The ins-and-outs of pet insurance

Pet Insurance 101

Man with glasses looks at laptop with dog beside him and illustrations of coins

What’s hiding in the fine print of pet insurance pricing

Pet insurance policies can be laden with confusing jargon. We explain what coverage exclusions & limitations to look for when comparison shopping.

cat scratching

Will Fetch Pet Insurance cover allergy testing?

If your pet suffers from allergies, your vet may recommend allergy testing.

dog at vet

How much does a dog MRI cost?

Getting your dog an MRI can be expensive. Learn more about the average cost of a dog MRI and how pet insurance can help cover the vet bill.

smiley dog

How does reimbursement work at Fetch Pet Insurance?

How does pet insurance work? Pet insurance works on a reimbursement model. Fetch pays back up to 90% of unexpected vet bills. Learn more.

puppy and its mom

Does Fetch Pet Insurance cover pregnancy?

Most pets do not experience complications during pregnancy, but it does happen. If your pet does encounter a problem, pet insurance may be able to help.

dog stretching

Does pet insurance cover IVDD?

Pet insurance can help cover some of the costs of treating intervertebral disk disease (IVDD) in dogs and cats. Learn more.

pug wearing a cone after emergency care

Does Fetch Pet Insurance cover emergency care?

When the unexpected strikes outside your vet’s business hours, turn to 24-hour emergency animal hospitals and specialty clinics.

Dog at the beach with hip dysplasia

Will Fetch Pet Insurance cover hip dysplasia in cats and dogs?

Hip dysplasia is an important medical condition to be aware of if you have your heart set on bringing home a breed of dog or cat prone to the condition.

A photo of a black dog who is wrapped in an orange blanket

Does pet insurance cover vet visits?

We understand how stressful emergency vet visits can be. That’s why Fetch Pet Insurance covers up to 90% of emergency vet expenses — here’s how to sign up.

A photo of a cat who is being held by a person

How Scratch Plans help pay veterinary bills

Scratch Plans will cover your vet bills immediately and Fetch helps to pay back your payment plans.

A photo of a dog who is chewing on a stick

Does pet insurance cover dental care?

Fetch Pet Insurance covers injuries and illnesses in all of your cat's or dog’s adult teeth - not just the canines. Learn more about what else makes our dental coverage the best option.

A photo of a brown and white colored dog who is laying on a blanket

Does pet insurance cover medication?

If your pet is sick and needs antibiotics to help them feel better, know that Fetch will be there to cover the cost of vet-prescribed medications. But that’s not the only way we’ll cover your pet’s medical expenses.

A photo of a French Bulldog who is sitting down

What is a waiting period?

A waiting period is a set amount of time before your pet’s vet expenses can be covered by pet insurance.

A photo of a brown and white puppy who is being held by a person

Here’s how much it costs to neuter a dog

Does your dog have an upcoming neutering appointment? If so, you’re in the right place. Here’s how you can prepare your pup for a neutering procedure.

A photo of a brown cat and a black pug sitting together

Does pet insurance cover surgery?

Surgery is just one of the many things Fetch Pet Insurance covers. Learn more about how we can help keep your pet protected for life's unexpected events.

A photo of a multi-colored puppy wrapped in a gray blanket

Does pet insurance cover cesarean sections?

Having a pet insurance policy in place can help with unexpected costs tied to births, like cesarean sections.

Sign up for our newsletter

© Fetch Inc, 2024

Fetch Health Forecast and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.
‍
This is a summary of the coverages in your pet health insurance policy from Fetch. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, the provisions of the policy shall prevail.

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state or province and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©2026 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. Unmatched according to The Dodo, May 2022. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

Fetch is a registered trademark owned by Fetch, Inc. Made for More and Love Longer are trademarks owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums for dogs and cats, using the most common coverage configuration of $10,000 annual limit, $300 deductible, and 80% reimbursement rate for the period of 07.01.2024 through 06.30.2025. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 8.15.2025.

Average savings of $40+ per order derived from actual Fetch member purchase data from April–June 2025 in the U.S. and Canada and displayed in U.S. dollars. Savings represent the difference between retail price and price paid through Fetch Deals. Individual results may vary. Fetch Deals offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Deals program or site. Fetch Deals is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company. Please click here to review terms and conditions.