Pet insurance for rescue dogs & cats: What Fetch covers from day one

No pet insurance covers all pre-existing conditions, including Fetch Pet. A pre-existing condition is defined as any injury, illness or condition that you or your veterinarian notice signs or symptoms of either before you enroll in insurance or during your policy’s waiting period. These conditions will be noted in your pet's veterinary medical records.

Fetch Pet is the only pet insurance that gives rescue dogs and cats coverage to treat 7 common pre-existing conditions — upper respiratory infection, ear mites, kennel cough, feline herpes, conjunctivitis, ringworm and puppy pyoderma (skin infection). Fetch also covers curable pre-existing conditions — medical issues that can be completely cured with no recurrence of signs or symptoms. (Think: urinary tract infections, burns and bite wounds.) In order for the condition to be considered curable, your pet must go 1 policy year completely symptom-free from the issue.

With Fetch Pet, the monthly price is $35/mo. for dogs and $22/mo. for cats, on average. Your exact price will depend on factors including your pet’s age (younger pets tend to cost less to insure because they’re less likely to have pre-existing conditions), your pet’s breed (certain breeds of dogs and cats are prone to hereditary conditions) and where you live (because the cost of veterinary care can vary from place to place). You can find out more about what Fetch would cost for your pet by getting a free quote.

Yes, Fetch Pet covers 100% for behavioral therapy with no copay and no deductible — up to $1,000/yr. This means you can consult a vet for aggression, separation anxiety, excessive barking, plus more, and get 100% paid back for approved claims. Other pet insurance providers don’t do this even though over 76% of rescue dogs exhibit signs of a behavioral disorder. Fetch Pet helps you get your pet the care they need while also saving you money on vet bills.

No, you can't sign your foster dog up for pet insurance through Fetch Pet. Generally, pet insurance is recommended as a long-term commitment, and fosters typically stay with a family for a few weeks or months at a time. If you choose to adopt your foster dog (or any dog or cat) and they officially become a part of your family, it's a smart idea to protect your new pet (and your wallet) with the most complete coverage — Fetch Pet.

Yes, you can get pet insurance for a rescue dog or cat with Fetch Pet. Shelter pets don’t always come with a complete history (and some don’t have any at all), but Fetch Pet’s complete coverage is built for their unique needs. Only Fetch Pet covers 7 common pre-existing conditions for newly adopted dogs and cats starting on day one of your policy’s effective date, giving more protection to these newly adopted pets and their families.

Yes, you can get pet insurance for a rescue dog (or cat) without knowing their full medical history. Your pet will need an exam with a vet to help establish a record of their overall health and determine if they have any pre-existing conditions. If they haven’t seen a vet in the 12 months before you signed them up with Fetch Pet, they’ll need to have one within the first 30 days of starting your policy — or as soon as possible after that.

You can use any vet in the U.S. or Canada with Fetch Pet (we don’t have any networks) for that initial visit and future ones. The American Animal Hospital Association (AAHA) recommends that all pets should see their veterinarian at least annually, while senior pets and those with chronic health issues will need more frequent appointments. Those vet visits and other preventive care, like spay/neuter, vaccines and flea/tick prevention, are covered if you add Wellness to your Fetch policy.

You can sign your rescue pet up for insurance as soon as you bring them home. In fact, it’s a good idea to enroll them as soon as possible, because rescue pets can come with an incomplete medical history and unknowns about their pre-shelter life. If you sign up for Fetch within 30 days of adopting your dog or cat, they’ll be covered for 7 common pre-existing conditions from day one of your policy’s effective date, with no waiting period. You won’t find this coverage with other pet insurance providers.

The pet insurance that’s best for dogs and cats adopted from a shelter is Fetch Pet, because it includes more protection for newly adopted dogs and cats. In addition to being able to treat 7 common pre-existing conditions right from the start of your policy, with no waiting period, your pet also gets all the benefits of Fetch Pet’s unmatched coverage: that includes full-mouth dental (up to 90% of pets get periodontal disease), up to $1,000/yr. for behavioral therapy and 100% reimbursement on hundreds of qualifying pet meds^† from our online pharmacy, Fetch Pet Rx.

Fetch Pet is the #1 pet insurance for shelter and rescue pets. We believe every dog and cat deserves a forever home, which is why we work with 70+ trusted partner shelters across the U.S. and Canada, and have raised $14.6 million (and counting) to help pets find forever homes, get veterinary care and recover from natural disasters.