Fetch Pet Insurance, previously known as PetPlan, offers comprehensive accident and illness coverage for dogs and cats, along with an optional wellness add-on for routine care. The company distinguishes itself by covering certain expenses often excluded by competitors, such as exam fees and virtual visits, along with comprehensive dental coverage and protection for specific pre-existing conditions in newly adopted pets. Fetch provides an online veterinary service, Fetch Online Vet, allowing eligible members to access four video appointments annually and unlimited chat with veterinary professionals.
Serving over 600,000 clients in the U.S. and Canada, Fetch has been recognized as the No. 1 Best Pet Insurance in the 2026 Newsweek Readers’ Choice Awards. Premiums are determined by factors such as pet age, breed, and location, averaging about $34 per month for dogs and $22 for cats. Fetch allows policyholders to choose from various annual benefits, deductibles, and reimbursement percentages.
While plans do not cover most pre-existing conditions, they do offer unique Pre-Ex Protection for seven common illnesses encountered in shelter pets if the policy begins within 30 days of adoption. Fetch is competitive in the market with no waiting period for accident coverage and a 15-day waiting period for illnesses. However, it enforces a six-month waiting period for orthopedic conditions, which can be waived for knee issues under certain conditions.
Overall, Fetch combines extensive coverage options with flexibility, making it a strong choice for pet insurance. Prospective clients are advised to compare quotes from multiple insurers to find the best fit.
Why this story matters
- Fetch Pet Insurance offers unique benefits that could enhance pet care accessibility for many owners.
Key takeaway
- Fetch stands out for its comprehensive coverage options and no waiting period for accidents, appealing to many pet parents.
Opposing viewpoint
- Critics may argue that the six-month waiting period for hip and knee injuries is a significant drawback compared to other insurers.
