Puppy Insurance

Your best friend deserves the best puppy insurance.

Fetch is the most comprehensive puppy insurance plan in the U.S. & Canada. It gets tails wagging.

Pays back up to 90% of your veterinary bills

Rated ‘Excellent’ on TrustPilot

Helps your puppy live a longer, healthier life

Protect your pup

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

– Bingo

Trusted by lifesaving shelters in the U.S. and Canada

How does Fetch puppy insurance compare?

Fetch covers what other providers charge extra for or don’t cover at all. See how different puppy insurance companies stack up.

Sick-visit exam fees

Fetch covers sick-visit exam fees — saving you an average of $50 - $250 per visit. You won’t have to choose between your wallet & your pup.

Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.

$1,000 in online vet visits

Fetch covers up to $1,000 in online vet visits (video chat, call or text). Get expert help 24/7, even if your vet’s hours are 9 to 5.

Trupanion & Healthy Paws don’t cover this.

Behavioral therapy

Fetch covers up to $1,000 in behavioral therapy & medicine. Because even the best-behaved pups need a little paw up sometimes.

Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.

Every tooth, plus gums

Fetch covers every adult tooth (plus, gums). This is something both you & your pet can smile about, especially because 1 out of 4 dogs fracture their teeth.

Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.

Knee injuries

Fetch covers knee injuries in as little as 2 weeks as long as your vet gives your pup’s knees the A-OK. You don’t have to wait before your pup – or your bank account – get relief.

Lemonade, Nationwide & Pets Best don’t do this.

Holistic care

Fetch covers holistic care (think: acupuncture) at no extra charge. Even though they’re alternative treatments, they’re considered standard by us.

Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.

$1,000 in boarding fees

Fetch covers $1,000 in boarding fees, if you need to be hospitalized for 4 days or more. Because making sure your pup is cared for should be the least of your worries.

Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best and ASPCA don’t cover this. Trupanion & Figo charge extra for it.

And so much more!

Get unmatched coverage

Fetch covers (and loves) dogs of all ages.

Unlike other providers, Fetch covers dogs of all ages — from the time they’re 6 weeks old all the way through their golden years. Your best friend is your best friend, no matter how many birthdays they’ve had.



6 weeks - 1 year old



Adult dogs
2 - 7 years old



Senior dogs
8 years old & beyond

Insure at any age

Rated 4.7 in the App Store & 4.8 in Google Play. *Updated March 2023.

Hand holding a phone with the Fetch App shown on the screen.

How does Fetch puppy insurance work?

Get paid back in as little as 2 days. It’s easier than giving a belly rub.

Visit any vet in the U.S. or Canada.

Pay for treatment at your vet — specialists and emergency clinics are also covered.

File a claim in the Fetch Pet Insurance app.

It’s the easiest way to submit claims.

Get paid back fast.

Sign up for direct deposit to get reimbursed in as little as 2 days after your claim is approved.

Get money back

Explore puppy insurance by breed.

Fetch offers puppy insurance plans to cover every breed, from large breed dogs to small. Check out the average insurance price for your puppy’s breed here and get a free quote for your best friend today.

Get a breed-specific price

French Bulldog

Learn more

Golden Retriever

Learn more


Learn more

Shih Tzu

Learn more

German Shepherd

Learn more

Why veterinarians choose Fetch puppy insurance.

Don’t just take our word for it – here’s what a top veterinarian has to say.

“No one wants to think about accidents or illnesses when it comes to their pup, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your puppy a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Metcalf Professor of Veterinary Medical Informatics at Virginia Tech

Protect your pup

See what pet parents say about Fetch puppy insurance.

We’re proud of our 'Excellent' Trustpilot rating and love hearing about how Fetch has positively impacted our community. Fetch wholly exists so puppies and their parents can enjoy more good days, together.

If your vet recommends it, Fetch probably covers it.

With Fetch, your pup can see any vet in the U.S. or Canada. Like other puppy insurance plans — and just like your own insurance — Fetch does not cover pre-existing conditions. That's why it's helpful to get coverage as soon as you can. Getting Fetch means peace of mind, all in one simple puppy insurance plan.

Accidents happen. Fetch is here to protect your puppy through it all. Here's a look at some of the most common injuries & illnesses that puppies experience — and how much Fetch pays back for each, on average.

Sick-visit exam fees

Every sick visit comes with an exam fee, which can be around $50 – $250. We cover those exam fees for you. Not all providers do.

Breed-specific issues

Other providers charge extra for medical conditions linked to breed (like hip dysplasia in French Bulldogs), which will be top of mind if you adopt or get a purebred puppy. We don’t.

Boarding fees

We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility should you require hospitalization. Up to $1,000 per year.

Advertising & reward

If your pet is missing, we cover the cost of advertising and pay a reasonable reward for finding them. Up to $1,000 per year.

Name-brand prescription medications & supplements

We cover prescription drugs like antibiotics and anxiety medicine, plus vitamins and other supplements, when recommended by a vet to treat your pet’s injury or illness.

Customize your plan

1 in 3 pets need unexpected veterinary care each year.

Here’s a look at how much Australian Shepherds, like Taco, rack up in vet bills in their first 2 years, on average.

Taco's total vet bills:


Fetch pays back:


Your puppy insurance questions – answered!

What is puppy insurance coverage?

If your pet gets sick or hurt, puppy insurance coverage reimburses you. Fetch puppy insurance offers the most comprehensive coverage in the U.S. and Canada and pays you back up to 90%, making your vet bills more affordable. With Fetch, you won’t have to choose between your wallet and your best friend, and it’s easy to give your puppy the care they need to live their longest, healthiest, happiest life.

Why do I need a puppy insurance plan?

Every six seconds, a pet parent is faced with a vet bill of more than $1,000. That doesn’t even take into account the rising cost of inflation, or the fact that veterinary medicine is getting better – and more expensive. Fetch puppy insurance plans give you protection from these increasing costs and peace of mind that’s priceless. Everything from allergies to name-brand prescriptions to a cracked tooth — and so much more — is covered by Fetch.

When should I get puppy insurance coverage?

The sooner you enroll, the sooner your puppy’s covered. Fetch covers pets of all ages, but to make sure your pup gets as much puppy insurance coverage as possible, it's best to sign up before they need it. Like other pet insurance providers, Fetch doesn’t cover pre-existing conditions – which is why we recommend signing up as early as possible. Insuring your puppy before health issues develop is recommended, so you and your best friend can live your best lives together.

What’s not covered?

Like other puppy insurance providers, we are unable to cover pre-existing conditions. These are injuries or illnesses that occur before you enroll or during the 15-day waiting period.

To give your puppy more protection, Fetch classifies pre-existing conditions as incurable or curable. This means that a chronic, incurable condition (think: arthritis) is not covered. However, if your pup has a urinary tract infection (UTI) — something that is temporary and curable — then goes one year from the original incident without any symptoms or treatment, your pup’s UTI may be classified as curable and covered later.

How much does puppy insurance cost and how is it determined?

At Fetch, your puppy insurance plan’s cost will never be affected by sex, medical and behavioral history, spay or neuter status and indoor or outdoor status. So what do we factor in when we’re determining your plan’s cost? It’s simple: your pup’s age, breed and location.

From there, you’ve got options. Here are the levers you can pull to either pay less or get paid back more.

Puppy insurance terms — decoded:

Annual puppy insurance coverage amount
The maximum dollar amount you can be paid back per your pup’s plan annually. The higher your annual puppy insurance coverage amount, the more you’ll pay per month.

Annual deductible
The fixed dollar amount you're responsible for paying before your insurance kicks in. The higher your deductible plan, the lower your puppy insurance plan will cost per month.

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.

How much does a vet visit cost without puppy insurance?

The cost of vet visits without puppy insurance varies widely and depends on factors like your puppy’s breed, age, location and, of course, what brings you and your pup to the vet in the first place.

Let’s say your French Bulldog puppy has a bout of vomiting and diarrhea (dogs, they’re just like us!). Your vet bill would cost, on average, $519 without puppy insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible and copays – in this case, $385 would be covered. Getting Fetch means getting a significant reduction in your vet bill costs, so that your pup gets the medical attention they may need, and you’ll be protected from the full cost of vet expenses if they do.

Why is Fetch puppy insurance worth it?

In addition to offering the most comprehensive puppy insurance in the U.S. and Canada — period, we offer expert-backed health advice and data-driven insights to help you care for your puppy from the adorable early days to their golden years.

Fetch Health Forecast >
The Fetch Health Forecast is the world’s first predictive AI health tool personalized for your pup. This groundbreaking technology uses 17 years of clinical health findings and 180+ million data points from over 800,000 dogs to identify common health conditions. Peek into your puppy’s future health so you can take preventive action today and help your pup live their healthiest, longest life.

The Dig >
Read up on the latest pet parenting tips and health advice when you visit The Dig — your one-stop resource for all things dogs and cats. Want to learn more about your pup? Check out what the experts have to say:

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