“ I need every tooth covered. I chew a lot of toys.” — Bingo

The best puppy insurance. Period.

Fetch provides the most comprehensive puppy insurance with coverage for accidents and illnesses and unparalleled pet advice from our experts, so your new pup is taken care of right from the start.

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

Rated 'Excellent' on Trustpilot.

No enrollment fee, cancel anytime.

Get your price

Trusted by no-kill shelters in the U.S. and Canada

What is Fetch puppy insurance?

Puppy insurance helps you cover the cost of vet bills when your pup gets sick or hurt. Fetch is the most comprehensive puppy insurance there is. That means we cover what most providers don’t — like hereditary conditions linked to breed, injury and disease in every adult tooth and exam fees.

Because your pup can always count on you for the best care, and you can always count on us to pay back up to 90% of unexpected vet bills.

Fetch provides the best coverage for injuries & illnesses including:

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 so much more!

A cute puppy with an ice pack on their head.

What doesn’t puppy insurance cover?

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 puppy insurance?

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.

Two confused puppies standing in front of a calendar.
Illustrative mockup of the claims screen in the Fetch App.

How does puppy insurance work?

Your coverage kicks in after your waiting period (which could be up to 15 days), so you'll be ready when life throws you curveballs. Here's how Fetch's reimbursement model works:

Use any veterinarian in the U.S or Canada

With Fetch, you have the flexibility to keep your current vet or visit a new vet if you’d like. We even cover specialists and emergency clinics.

Submit a claim in minutes

Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.

Get paid back fast

Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.

A puppy with glasses on.

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.

Maximum annual payout

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

Annual deductible

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


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.

Is Fetch puppy insurance worth it?

Our coverage is 100% worth it, but that's not all we offer. Fetch is here to do more than merely ‘have your back’ on bad days. We wholly exist to help you and your best friend enjoy more good days. Here’s how:

Fetch Forward

Our ground-breaking, patent-pending technology provides tailored insights and recommendations on your pet’s future health. Our topical, monthly newsletter is designed to help you take action and improve your pet’s happiness.

The Dig

Our expert-backed editorial offers around-the-clock access to pet-parenting advice.


You can find our incredible community of pet parents sharing stories and advice, and cooing over adorable pet content (of course!) all across Fetch’s social media platforms.

Two puppies hugging in front of a "Welcome Home" sign.

Enjoy more good days

The care your best friend deserves. Plans average $35/mo for dogs and even lower prices for puppies.

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

Rated 'Excellent' on Trustpilot.

No enrollment fee, cancel anytime.

Get your price
Get your price