Pet wellness plans to cover preventive care

Protect your pet with Fetch Wellness & prevent illnesses before they even start

In just 1 preventive care vet visit, all-new Wellness pays back more than it costs.

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Ruby & Amber

Ruby & Amber

Fetch Wellness paid back:

$678

Fetch Wellness is available in all U.S. states & Canada

New plans (starting at less than $18/month) are coming soon to all states. To see Wellness coverage in your area, get a free quote.

What does pet wellness cover? How is it different from accident & illness pet insurance?

Included coverage

Fetch Accident & Illness covers your pet if they get sick or hurt

This includes what others don’t cover or charge extra for, like injury and disease in every adult tooth and your pet’s gums, plus:

  • Emergency vet visits

  • Hospital stays

  • Cuts & scratches

  • Broken teeth

  • Broken bones

  • Bite wounds

  • Poisoning

  • Surgery & more

Optional coverage

Fetch Wellness covers the preventive care that helps keep your pet healthy

This includes coverage for vet care that helps stop illnesses before they even start, including:

  • Annual exams

  • Vaccinations

  • Spaying/Neutering

  • Dental cleanings

  • Flea & tick prevention

  • Blood test

  • Fecal test

  • Urinalysis & more

Total pet health

When you add optional Fetch Wellness coverage to your Accident and Illness pet insurance, your pet is protected for unexpected injuries and illnesses, plus preventive care.

Get your price

Why wellness coverage matters

Stop illnesses before they start to help give your pet a longer, healthier life

The preventive care treatments that Fetch Wellness covers empower you to take proactive care of your pet’s health. Help set your pet up to enjoy more good days by your side by adding this optional coverage to your Accident and Illness insurance.

  • Proactive annual exams

    Up to $100/yr. paid back

    Annual checkups reduce chronic disease risk by 30% and allow your vet to detect and treat hidden conditions early — before they become severe.

  • Vaccine safeguards

    Up to $125/yr. paid back

    Up-to-date rabies vaccinations make pets over 90 times less likely to contract the fatal disease. Ongoing vaccines protect pets at every life stage.

  • Parasite defense meds

    Up to $250/yr. paid back

    Continuous heartworm, flea and tick preventive meds reduce your pet’s risk by up to 100% and protect them from lasting damage or even death.

  • Preventive oral care

    Up to $250/yr. paid back

    Periodontal (gum) disease affects up to 90% of pets. If left untreated, it can threaten their overall health. Pairing vet cleanings, that get below the gumline, with at-home care is the best defense.

  • Longevity-boosting spay/neuter

    Up to $250/yr. paid back

    Beyond population control, spaying and neutering extends dogs’ lives by up to 26% and cats’ lives by up to 62%. It can also help prevent breast/uterine cancers and decrease behavior issues.

  • Wellness lab work

    Up to $230/yr. paid back

    Blood, urine and fecal tests uncover hidden health issues in up to 40% of dogs and 60% of cats, flagging illness before symptoms appear. Think of these diagnostics as an early warning system.

Get your price

Compare Fetch Wellness plans to find the one that’s best for your pet & your budget

With Fetch Pet, you have the flexibility to choose from 3 Wellness insurance plans, each covering different preventive care treatments. The costs and total reimbursement amounts vary by plan. Take a look.

Essentials

Advantage

Prime

Starting at less than

$18/mo.

Starting at less than

$30/mo.

Starting at less than

$40/mo.

wellness treatments

Total reimbursement a year for each benefit

Annual exam

$50

$75

$100

Vaccines

$50

$80

$125

Heartworm, flea & tick prevention

$35

$75

$250

Heartworm test

$20

$50

$65

Preventive oral care / Spaying / Neutering

$175

$200

$250

Blood work

$20

$65

$100

Urinalysis

$20

$50

$65

Fecal test

$20

$50

$65

Microchipping

-

$25

$35

Anal gland expression

-

$30

$40

Behavioral exam

-

-

$25

Health certificate

-

-

$30

Activity Monitor

-

-

$50

Total reimbursement per year

$390

$700

$1,200

Essentials

Advantage

Prime

Starting at less than $18/mo.

Total reimbursement a year for each benefit

Annual exam

$50

Vaccines

$50

Heartworm, flea & tick prevention

$35

Heartworm test

$20

Preventive oral care / Spaying / Neutering

$175

Blood work

$20

Urinalysis

$20

Fecal test

$20

Microchipping

-

Anal gland expression

-

Behavioral exam

-

Health certificate

-

Activity Monitor

-

Total reimbursement per year

$390

Starting at less than $30/mo.

Total reimbursement a year for each benefit

Annual exam

$75

Vaccines

$80

Heartworm, flea & tick prevention

$75

Heartworm test

$50

Preventive oral care / Spaying / Neutering

$200

Blood work

$65

Urinalysis

$50

Fecal test

$50

Microchipping

$25

Anal gland expression

$30

Behavioral exam

-

Health certificate

-

Activity Monitor

-

Total reimbursement per year

$700

Starting at less than $40/mo.

Total reimbursement a year for each benefit

Annual exam

$100

Vaccines

$125

Heartworm, flea & tick prevention

$250

Heartworm test

$65

Preventive oral care / Spaying / Neutering

$250

Blood work

$100

Urinalysis

$65

Fecal test

$65

Microchipping

$35

Anal gland expression

$40

Behavioral exam

$25

Health certificate

$30

Activity Monitor

$50

Total reimbursement per year

$1,200

Get your price

Pet wellness plan costs: What you pay vs. what you get reimbursed each year

While the costs and reimbursement amounts differ between our 3 Fetch Wellness plans, they all pay back more than they cost in just 1 vet visit for an annual exam, vaccines, heartworm, flea and tick preventive meds and testing, plus blood, urine and fecal tests.

Total Wellness savings benefits by plan

Wellness plan

Essentials

Advantage

Prime

What you get back

(max reimbursement)

$390/yr.

$700/yr.

$1,200/yr.

What you pay

(starting cost)

$212/yr.

Less than $18/mo.

$357/yr.

Less than $30/mo.

$478/yr.

Less than $40/mo.

Essentials

What you get back
(max reimbursement)

$390/yr.

What you pay

(starting cost)

$212/yr.

Advantage

What you get back
(max reimbursement)

$700/yr.

What you pay

(starting cost)

$357/yr.

Essentials

What you get back
(max reimbursement)

$1,200/yr.

What you pay

(starting cost)

$478/yr.

Get paid back more than your whole Wellness plan costs in just 1 preventive care vet visit — here’s how

It’s all about grouping treatments. Talk to your pet’s vet about including these common treatments in your pet’s annual exam. Together, they pay back more than each of our 3 Wellness plans cost — in just 1 visit.

What treatments to ask your vet about grouping into a single visit

  • Annual exam

  • Vaccine safeguards

  • Blood, urine & fecal tests

  • Heartworm, flea & tick meds

  • Heartworm test

What you get paid back for this grouping by plan

Wellness plan

Essentials

Advantage

Prime

Max this grouping

pays back a year

$215

$445

$770

Wellness plan

Max this grouping pays back a year

Essentials

$215

Advantage

$445

Prime

$770

Why grouping treatments matters

You’re billed for the visit every time you see the vet, so grouping treatments helps you maximize preventive care for your pet and get more money back.

Get your price

Compare wellness coverage across pet insurance providers — Fetch Pet covers more

Trupanion, Healthy Paws, Lemonade and MetLife all offer less preventive care coverage than Fetch Pet does. See for yourself, and find the best wellness plan for you and your pet.

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Comparison is accurate as of July 2026 based on Fetch Wellness coverage.

Get your price

How Wellness reimbursements work: You pay the vet & we pay you — $0 deductible, $0 copay

It’s easy to get paid back for your pet’s preventive care with Fetch Pet. Since there’s no waiting period for Fetch Wellness, you can start scheduling treatments and getting reimbursed right away.

What Wellness vs. Accident & Illness pays you back

Wellness pays you back a set dollar amount per year for each type of preventive care in your plan.

No copay

No deductible

Accident and Illness pays you back a percentage for approved claims.

There’s a copay and a deductible applied before you’re reimbursed.

How to get paid back for Wellness

  1. 1

    You pay the vet first

    You pay your pet’s bill in full at the veterinarian’s office during your visit.

  2. 2

    Submit a claim to get paid back

    Upload a picture of your paid invoice within 90 days of your visit, and submit it in the top-rated Fetch app.

  3. 3

    Get reimbursed — fast

    Claims are typically processed in less than 10 days. Once approved, you get paid back straight to your bank account when you set up direct deposit.

Get your price

Fetch Pet’s Accident and Illness pet insurance covers your pet if they get sick or hurt. By adding Wellness to your coverage, you’re covered for the preventive care that helps keep your pet healthy, plus any injuries or illness that might occur.

A portrait of Dr. Aliya McCullough.

Dr. Aliya McCullough, DVM, MS

Fetch Chief Veterinary Officer & Director of Veterinary Affairs

Your pet wellness questions, answered

Get your price

Fetch is on a mission to help you give your pet a longer, healthier life.

Making the best veterinary care accessible to your dogs and cats — no matter the cost — is just the beginning. When you join Fetch, you’re getting the most complete pet insurance and unlocking a world of exclusive Member Perks on products and services that help you enjoy more good days with your pet.

Fetch Pet Insurance | Love Longer.™

1A behavioral exam is only available in the Prime plan.

2Anal gland expression is available in the Advantage and Prime plans.

Comparison of coverage is based on Fetch Wellness and the information is accurate as of Sept. 2026. Comparisons are subject to change. Fetch Wellness is an add-on.

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.

Start using Wellness benefits on or after the effective date of your Wellness plan.

Spaying/neutering, microchipping and the activity monitor can only be claimed once per lifetime per pet. Pets who get regular checkups are 30% less likely to develop chronic diseases according to the Academic International Journal of Veterinary Medicine, The Importance of Preventative Care for Pets: A Guide for Pet Owners. October 2023. Dogs and cats with up-to-date vaccinations were 130.8 and 93.6 times less likely, respectively, to contract rabies than their unvaccinated counterparts, according to a study in the Journal of the American Veterinary Medical Association (JAVMA). August 2025. Heartworm has been 100% preventable for decades. For 20 years, we’ve had access to products that are 100% efficacious in preventing the disease when used as directed according to the Companion Animal Parasite Council (CAPC). The Case for Year-Round Parasite Control. November 2024. All flea and tick products available from a veterinarian are around 98-99% effective according to the University of Wisconsin-Madison School of Veterinary Medicine. Tips for Choosing Tick Protection. March 2023. 80%-90% of dogs have periodontal disease according to a study of dogs over the age of 3, published in Cornell University College of Veterinary Medicine's DogWatch newsletter. October 2022. 50-90% of cats will get dental disease according to a study of cats over the age of 4, published in Cornell University College of Veterinary Medicine’s CatWatch newsletter, March 2022. Spaying and neutering extends dogs' lives by up to 26% according to an article published in the Public Library of Science (PLOS). Reproductive capability is associated with lifespan and cause of death in companion dogs. April 2013. Spaying and neutering extends cats' lives by up to 62% according to the Banfield State of Pet Health Report 2013, based on an average lifespan of 12.1 yrs. Spaying and neutering may contribute to longer lifespans. May 2013. Routine diagnostic screening can help uncover potential issues in up to 40% of dogs and up to 60% of cats according to an IDEXX study. June 2022.

Over 6 million pets are insured in the U.S., based on the North American Pet Health Insurance Association’s 2025 State of the Industry Report. April 2025.

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 complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. Forbes Advisor is a Fetch partner. 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, according to Fetch data. Policies in force and number of pets helped based on Fetch data as of 9.10.2026.

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.