Pet insurance in Georgia — coverage for dogs & cats
Get your price
Eastman, Georgia
Chad & Charlie
Fetch Members since 2018
The cost of pet insurance in Georgia — and why Fetch is worth it
Looking to protect your pet in the Peach State? The average cost of Fetch Pet Insurance in Georgia is $25/mo. for dogs and $20/mo. for cats. When you sign up with Fetch, you’re getting the most complete coverage, including what other providers charge extra for or don’t cover at all. From hiking the trails along the Chattahoochee River to exploring Savannah's coastal marshes, Georgia is a wonderful place for a pet to call home — but the state's warm, humid climate, mosquito-heavy summers and local wildlife create year-round health risks. Fetch pays back up to 90% for treatment related to all of these issues (plus much more) so you can help your pet live their longest, healthiest life wherever you live.
The most complete pet insurance coverage in Georgia (& everywhere else)
Fetch offers comprehensive pet insurance for accidents and illnesses. This ranges from common conditions like vomiting and diarrhea to more serious issues like cancer and IVDD. And unlike other providers, Fetch provides full-mouth dental coverage so every one of your pet's adult teeth and their gums are protected. Use any vet in Georgia and throughout the U.S. and Canada, including specialists. There are no networks with Fetch, so you’re covered whether you’re in Atlanta, Athens, Macon or anywhere else.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Learn more about coverage
Optional coverage
Wellness
Pet insurance doesn’t include preventive care. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, including:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
Common health risks for pets in Georgia
Whether you’re strolling through Forsyth Park or splashing around on Jekyll Island, there’s plenty to explore in Georgia with your dog or cat. While the warm climate is part of the draw, enjoying the outdoors also comes with higher likelihood of ticks, snake encounters and heatstroke than some other places in the country. With Fetch, you’ll have the coverage and protection your pet needs.
Take a look at what a 90% reimbursement and a $300 deductible looks like in these examples:
What is heatstroke?
Heatstroke is a life-threatening condition that occurs when a dog or cat's body temperature becomes dangerously high due to exposure to extreme heat. It happens when pets lose the ability to regulate body temperature — for example, dogs cool themselves primarily through panting. While cats are generally better at finding shade, they are also susceptible to heatstroke.
How heatstroke affects pets: Signs of heatstroke to watch for include excessive drooling, rapid breathing, bright red gums, vomiting, staggering and collapse. Heatstroke can cause kidney damage, blood clotting disorders and brain damage within minutes.
Why pets in Georgia are at an increased risk
Georgia is one of the hottest states in the U.S. — Atlanta averages 30-60 days per year above 90°F and coastal areas like Savannah see warm temperatures through October. Heatstroke is not just an outdoor risk, either. Parked cars can reach deadly temperatures within minutes on a summer day in Georgia.
Heatstroke
Fetch pays back: $1,388
Average cost to treat: $1,876
What is Brachycephalic Obstructive Airway Syndrome (BOAS)?
BOAS is a set of airway abnormalities — including narrowed nostrils, elongated soft palate and narrowed trachea. It affects flat-faced dog breeds, including state favorite, the English Bulldog. French Bulldogs, Boxers, Boston Terriers, Pekingese, Shar-Peis, Pugs, Shih Tzus and Bull Mastiffs are also at risk.
How BOAS affects pets: Dogs with BOAS have difficulty breathing, and the problem is dramatically worsened by heat, exercise, excitement and stress. Signs include chronic snoring, noisy breathing, tiring easily, snorting and in severe cases, collapsing or fainting. Over time, dogs with this syndrome can also develop larger problems like heart strain.
Why pets in Georgia are at an increased risk
English Bulldogs are among the most popular dog breeds in Georgia according to the Atlanta Journal-Constitution — it’s even the mascot of The University of Georgia. The prevalence of Brachycephalic breeds combined with the heat and humidity makes BOAS an important risk for pet parents in Georgia to keep on their radars.
BOAS
Fetch pays back: $997
Average cost to treat: $1,442
What is a venomous snake bite?
More than 100,000 dogs and cats are bitten by venomous snakes in the U.S. each year, according to the ASPCA. In Georgia, there are 7 types of venomous snakes: the Copperhead, Northern Cottonmouth, Florida Cottonmouth, Timber Rattlesnake, Eastern Diamondback Rattlesnake, Pygmy Rattlesnake and Eastern Coral Snake, according to the Georgia Department of Natural Resources.
How venomous snake bites affect pets: Dogs, curious by nature, are sometimes bitten on the face, nose or legs when they investigate snakes. Snake bites require immediate veterinary care — Copperhead and Cottonmouth venom is hemotoxic, which causes localized swelling, tissue damage, pain and in severe cases, blood clotting disorders, organ failure and shock.
Why pets in Georgia are at an increased risk
Snakes are common across Georgia, from suburban neighborhoods to forests. Snake activity peaks in warmer months when pets spend more time outdoors, but the Georgia weather gives snakes a longer active season.
Venomous snake bite
Fetch pays back: $921
Average cost to treat: $1,357
What are tick-borne diseases?
Tick-borne diseases are bacterial illnesses transmitted to dogs and cats through infected ticks. In Georgia, the 3 most prominent tick-borne diseases are Ehrlichiosis, Lyme disease and Rocky Mountain spotted fever (RMSF).
How tick-borne diseases affect pets: Ehrlichiosis is a bacterial infection spread primarily by brown dog ticks. Signs include fever, swollen lymph nodes, lethargy, reduced appetite and in some cases, bleeding disorders. Lyme disease is transmitted by black-legged (deer) ticks and can cause shifting leg lameness, fever, swollen lymph nodes and lethargy. Rocky Mountain spotted fever is transmitted by American dog ticks and wood ticks. RMSF is one of the most severe and life-threatening tick-borne illnesses, causing fever, rash and potentially fatal organ damage if not treated quickly with antibiotics.
Why pets in Georgia are at an increased risk
Ticks are active for most of the year in Georgia's climate, especially in the state's forests, fields and areas with tall grass. According to the Georgia Department of Public Health, tick-borne diseases occur year-round in Georgia, not just during warm months, making prevention all the more crucial for pets and humans alike.
tick-borne diseases
Fetch pays back: $237
Average cost to treat: $264
Deductible has been met in this example.
What are alligator attacks?
American alligators can prey on dogs and cats, especially near freshwater and brackish water, including ponds in residential communities or on golf courses, as well as in wetlands, marshes and swamps, like those by the Ogeechee River. Keep your pet leashed and a safe distance from the water’s edge.
How alligator attacks affect pets: An alligator attack can result in bite wounds, lacerations, broken bones, infections and even death.
Why pets in Georgia are at an increased risk
American alligators are commonly found in coastal Georgia’s waterways and marshes — there are approximately 250,000 in the state, according to the Georgia Department of Natural Resources. The reptiles swim in the waters of Okefenokee Swamp, Jekyll Island, Harris Neck National Wildlife Refuge, Lake Seminole and other Georgia local hot spots, according to World Atlas.
Alligator attack
Fetch pays back: $847
Average cost to treat: $1,275
How claims work for pet parents in Georgia
It’s fast and easy to get reimbursed for approved claims with Fetch.
1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
Georgia laws every pet parent should know
Here are a few examples of state-specific rules to note if you have a dog or cat in Georgia.
Rabies vaccination
Georgia law requires that all dogs and cats be vaccinated against rabies by a licensed veterinarian according to the Georgia Department of Public Health. Pets should be vaccinated at the earliest age according to the vaccine manufacturer label. If an unvaccinated pet is exposed to a potentially rabid animal, Georgia law may require quarantine of up to 4 months. You can get paid back for rabies vaccinations and other routine care by adding Fetch Wellness to your pet insurance plan.
Responsible Dog Owner Act
In Georgia, pet parents can be liable when their dog seriously injures a person or another animal, and consequently, their dog may be classified as vicious. Dogs classified as dangerous or vicious must be registered, microchipped, kept in secure enclosures posted with warning signs and muzzled when off-property.
Leash laws
Georgia doesn’t have a statewide leash law, but most counties and cities, like Bibb County and Houston County, have their own regulations. Local laws typically require that dogs are on a leash no longer than 6 feet, or otherwise secured, in public spaces. Pet parents may be fined or face more serious legal consequences if their dog injures a person or another animal while off-leash.
Get paid back for preventive care in Georgia with Fetch Wellness
When you sign your pet up for Fetch, you have the option to add a Wellness plan to your pet insurance, so you’ll also get money back for preventive visits (think: vaccines, annual checkups, dental cleanings, spaying, neutering and more). With coverage for both unexpected and routine vet visits, your pet (and your wallet) will have total protection.
Get your price
Samantha & Sofie
Fetch Members since 2020
Your Georgia pet insurance questions, answered
How much is Fetch Pet Insurance for a dog in Georgia?
Fetch Pet Insurance averages $25/mo. for dog insurance in Georgia. Fetch is the best pet insurance for puppies at the best price with the most complete coverage.
- French Bulldogs and English Bulldogs are popular breeds in Georgia — Fetch covers breed-specific conditions like Brachycephalic Obstructive Airway Syndrome (BOAS).
- If you're adopting, Fetch is the #1 pet insurance for shelter and rescue dogs.
- Over 95% of dogs experience behavioral problems — Fetch covers behavioral therapy with 100% reimbursement.
- Georgia is one of the hottest states in the U.S. — Fetch covers heatstroke.
Does Fetch Pet Insurance cover pre-existing conditions in Georgia?
No pet insurance provider covers all pre-existing conditions in Georgia, including Fetch.
A pre-existing condition is any injury, illness or condition that you or your veterinarian notice either before you enroll in insurance or during the waiting period of up to 15 days. Any claims for treatment related to a pre-existing condition will not be covered — unless it’s a curable pre-existing condition. To learn more, read about pre-existing conditions.
Does pet insurance cover heartworm prevention in Georgia?
Heartworm prevention (monthly preventives) is considered routine care, and is covered when you add Fetch Wellness to your accident and illness plan. Given Georgia's high heartworm and mosquito prevalence, year-round preventives for all dogs and cats in the state is recommended.
Is pet insurance worth it in Georgia?
If you live in Georgia, having the most complete coverage for unexpected accidents and illnesses is important — and that's Fetch. Here's why: Dogs and cats in Georgia are at high risk of heatstroke, tick-borne diseases and snake bites — in addition to other common injuries and sicknesses you can’t see coming. With Fetch, you’ll have the most comprehensive protection for your pet and your wallet.
How does Fetch Pet Insurance compare to other pet insurance in Georgia?
Fetch is the most complete coverage in Georgia, including what others charge extra for or don’t cover — all in one simple plan. This includes:
- Accidents
- Illnesses
- Full-mouth dental
- Online vet visits
- Behavioral therapy
- Breed-specific conditions
- Medications
How much is Fetch Pet Insurance for a cat in Georgia?
The average cost of cat insurance with Fetch is $20/mo. in Georgia. With the most complete coverage, Fetch is the best pet insurance for kittens at the best price.
- Fetch covers venomous snake bites, a common injury for cats in Georgia.
- If your cat gets overheated due to the heat and humidity, Fetch covers heatstroke.
- Fetch is the #1 pet insurance for shelter and rescue cats.
Does Fetch Pet Insurance cover dental disease for pets in Georgia?
Yes, Fetch Pet Insurance covers dental disease for dogs and cats in Georgia and throughout the U.S. and Canada. Fetch’s complete dental coverage includes every adult tooth, plus gums. This includes periodontal disease (the most common disease in dogs and cats), broken teeth, gingivitis, extractions, root canals and more.
Does Fetch cover flea, tick and Lyme disease treatment for Georgia pets?
Yes, Fetch Pet Insurance covers treatment for Lyme disease as well as other tick-borne illnesses (like Ehrlichiosis or Rocky Mountain spotted fever). To get reimbursed for flea and tick preventives, which are recommended year-round, add Fetch Wellness to your pet insurance plan.
Is Fetch Pet Insurance available in Atlanta, Savannah and Augusta?
Yes, Fetch Pet Insurance is available everywhere in the state of Georgia, including Atlanta, Savannah and Augusta. With Fetch, you can use any vet in the U.S. or Canada, including specialists and telehealth. There are no networks with Fetch.
What is the waiting period for Fetch Pet Insurance in Georgia?
In Georgia, Fetch Pet Insurance has a waiting period of up to 15 days before illness coverage begins. There is no waiting period for accident coverage, and, if added, Fetch Wellness.
