Unmatched puppy insurance, advice & love.

Fetch makes future vet bills more manageable, so you can always get the best care for your newest family member. The sooner you get Fetch, the more we can cover.

Use any veterinarian in the U.S. or Canada.

No enrollment fee, cancel anytime.

Rated 'Excellent' on Trustpilot.

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I need every tooth covered. I chew a lot of toys.

It's all included in one simple puppy insurance plan.

Prescription medications & supplements

Emergency vet visits

Virtual, in-home & office visits

Hospital stays

Physical therapy



X-rays & CT scans


Blood tests

Breed-specific issues including hip dysplasia


Sick-visit exam fees

Laboratory tests

Vomiting & diarrhea

Hereditary & congenital issues

Swallowed objects & toxins

Every tooth covered

Gum disease

Diabetes & insulin

Cancer treatment

Acupuncture & chiropractic care

Treatment for aggression & separation anxiety

And more!

See coverage details

What isn’t covered?

Fetch puppy insurance provides coverage for future accidents and illnesses — the stuff you can’t see coming. We don’t cover pre-existing conditions. No one does. We also don’t cover cosmetic or elective procedures like tail docking and ear cropping (unless your vet decides they’re medically necessary). Routine and preventive care, which cover things like spaying and neutering, teeth cleaning, flea and tick protection and vaccines, aren’t covered either.

When should I get pet insurance for my puppy?

The sooner you get Fetch, the sooner we can help. If you have a puppy, you shouldn’t wait to sign up. And the same goes if you’ve adopted an older dog, too — it’s likely an older pet will develop a new illness or injury as they continue to age. But, if you wait until your pet gets sick or hurt, we won’t be able to cover your vet visit.

Rated 4.6 in the App Store & Google Play. *Updated October 2022

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How Fetch works.

Pay your vet as usual.

Fetch works on a reimbursement model: you pay your veterinarian, then we pay you back. You can use any vet in the U.S. or Canada, specialists and emergency clinics included.

Use our app to file a claim.

The Fetch by The Dodo app makes it fast and easy to file claims. Just scan and upload an invoice and your pet’s medical records, and we’ll take it from there.

Get paid back fast.

Claims are typically processed within 15 days. With direct deposit, money goes right into your account when claims are approved — no extra charges, no hidden fees.

The sooner you enroll your pet the more we can cover. Fetch will be there for future accidents and illnesses your pet may face, but like other providers we’re unable to cover pre-existing conditions.

How much does puppy insurance cost?

Our plans average $35/month for dogs and even lower prices for puppies. How do we do it? Using the same data points that power our patent-pending tool, Fetch Forward™, we determine the most accurate pricing based on your pet’s breed, age and your location. From there, you’ve got options. Here are the levers you can pull to either pay less or get paid back more.

Annual coverage amount

The maximum dollar amount you can be paid back per policy year. The higher your annual coverage amount, the more you'll pay per month.


The fixed dollar amount you're responsible for paying before your insurance kicks in. Higher deductible plans have lower monthly premiums.

Reimbursement rate

The percentage of each covered vet bill you’ll be paid back after you meet your deductible. The higher your reimbursement rate, the more you’ll pay per month.

Our one simple plan covers what other providers charge extra for or don’t cover at all.

Why Fetch is the best puppy insurance.

Fetch is here to help you and your best friend enjoy more good days by having your back on the tough ones. In addition to our unmatched coverage, we offer expert-backed health advice and data-driven insights to help you care for your pet from mischievous puppyhood to their golden years.

Peek into your dog’s future health with the first and only predictive health platform from Fetch. Get your custom Pet Health Forecast for:

Data-driven health forecasts

Recommendations to help prevent illnesses

Insights to ask your veterinarian

Get my free forecast
Border collie sitting in a wooden chair in front of a blue backdrop.

Because I'm worth it.

The Dig by Fetch — a deep dive into all things pets.

Ever wondered why dogs chase their tails? Or if your cat has conjunctivitis? Curious to know if dogs can eat bell peppers, or how and when to bathe a cat? The answers to all these questions and many more can be found in The Dig, Fetch by The Dodo’s around-the-clock online resource of all things pets. It covers lifestyle, health and wellness, and even an exhaustive list of things your dog can and/or can’t safely eat. Cinnamon? Not so much.

Top stories from The Dig

More questions about puppy insurance?We have answers.

What does puppy insurance cover?

Puppy insurance helps you cover the cost of unexpected veterinary bills if your pet gets sick or hurt. Fetch provides the most comprehensive coverage for your pup and pays back up to 90% of your vet bills. That means we offer the best coverage including sick-visit exams fees, breed-specific issues, and teeth and gums.

What is a deductible?

If your puppy receives veterinary care, the first thing you need to do is submit a claim. Once your claim is approved, the initial amount will go towards the annual deductible that you’ve selected (either $500, $300 or $250). We’ll start reimbursing your claims after your deductible is met.

How do I get pet insurance for my puppy?

Enrolling is easy with Fetch. All you need to do is answer a couple of questions about your pup and you’ll get a free quote that’s personalized to them. Once you sign up, there’s a 15-day waiting period before injuries and illnesses are covered. (Don’t worry, we’ll email you everything you need to know.) After the waiting period is over, you’re free to begin submitting claims.

When should I get puppy insurance?

The key to ensuring your pup has the best coverage possible is to enroll before they need it. Like other providers, Fetch is unable to cover pre-existing conditions. That’s why we recommend signing up when your dog is a puppy so that any future illnesses or injuries will be covered. Fetch covers pets of any age, so it’s important to sign up an older dog before they develop any health issues.

How do I pick the best plan?

Fetch offers the most comprehensive coverage in our one simple plan. There are a few factors you can customize to make sure your price fits your budget: your deductible, annual coverage amount and reimbursement rate. See how to customize your price to find the value that is right for you.

Get your price