Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.
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“You had me at Fetch.”
— Rugby
Fetch covers more than most other providers, including Spot
Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!) with the most comprehensive coverage. Spot has limited or no coverage when it comes to dental illness, boarding fees, supplements and more.
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Fetch covers what Spot does not, including:
Comprehensive dental coverage for injury and disease in every adult tooth. Spot doesn’t offer coverage for every tooth.
Up to $1,000 in boarding fees should you require hospitalization for 4 days or more. Spot doesn’t do that.
Coverage for dogs and cats from the time they’re 6 weeks old all the way through their golden years. Spot only starts providing coverage at 8 weeks.
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Spot Pet Insurance doesn’t cover every tooth, Fetch does
Fetch Pet Insurance covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.
Spot’s limited dental coverage doesn’t include endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants or root canals.
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Fetch has your back if you're hospitalized
We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.
Spot Pet Insurance doesn’t cover this, so you’ll likely need to find someone to take care of your pet or pay boarding fees out of pocket.
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Fetch covers more than just vet bills
If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.
Spot Pet Insurance doesn’t offer this.
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When you need help, we're here for you
You can’t predict when your pet will need care, which is why Fetch is here for you (even on the weekends). Between our app, live chat and agents, you can get customer support when you need it.
Spot’s customer service is only available Monday through Friday 8AM to 8PM ET and Saturday 9PM to 5PM ET.
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What should you consider when you’re comparing pet insurance providers?
What does the coverage include?
Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.
How much can you customize the price?
Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursem*nt rate. Not all providers let you customize your price like this.
What matters the most to you?
Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.
Add routine & preventive coverage, save up to $735 more a year
Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).
Unexpected Visits
Get Fetch Pet Insurance
Covers injuries, illnesses, prescription medications & more.
+
Optional ROUTINE CARE
Add Fetch Wellness
Covers annual exams, vaccinations, dental cleanings & more.
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Read customer reviews about Fetch Pet Insurance
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Compare Fetch to Spot Pet Insurance
Coverage
Fetch
Spot
Covers pets of every age 6 weeks+
Use any vet in the U.S. and Canada
Offers wellness coverage
Sick-visit exam fees
Boarding
Online vet visits
Alternative & holistic care
Behavioral therapy
Breed-specific conditions
Every tooth, plus gums
Covered
Not covered
Less coverage
than Fetch
This comparison is based on core policy coverage and the information is accurate as of September 2023.
Fetch Wellness is add-on coverage.
The comparison is accurate as of September 2023 and is subject to change.
Alternative and holistic care is known as complementary therapy in your policy.
Other provider comparisons contained herein were prepared solely by Fetch based upon a comparison of each company’s policy form or core policy coverages available on each company’s website as of September 2023.
Periodontal disease is the most common disease in dogs and cats according to the American Veterinary Dental College, Primary Care Practice Resources. 2023.
For residents of DE, LA, ME, MS, NE, NH, WA, click to review an Insurer Disclosure of Important Policyholder Provisions.
Program not available in New Brunswick and Quebec.
This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods and other terms vary by state. Exclusions apply, such as pre-existing conditions. Please see your policy for full terms and conditions of coverage.
This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.
Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT.
Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc. Information accurate as of May 2024.
Fetch Forward and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.
Fetch is a registered trademark owned by Fetch, Inc. Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc.
Unmatched according to The Dodo, May 2022. The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner.
MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners.
Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations.
Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.
Fetch Wellness is insurance coverage added by endorsem*nt to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursem*nt-based program that is separate from an insurance policy.
1 out of 3 pets need emergency veterinary treatment each year according to MetLife Pet Insurance. 6 Shocking Pet Health Statistics. Published February 2022.
For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.
