Pet Insurance for Dogs & Cats | Fetch (2024)

FAQs

What is the best level of pet insurance? ›

Lifetime policies

These policies cover your pet for their entire life, taking care of expenses for both illnesses and injuries. Although they are the most expensive option, they offer the highest level of protection, with coverage limits that reset annually upon policy renewal.

The three main types of pet insurance are accident-only plans, accident and illness plans and preventive care add-ons. Each type of plan offers different coverage levels, catering to various needs and budgets.

Which vets accept Fetch Pet Insurance? With Fetch, you can use any licensed veterinarian in the U.S. or Canada.

The typical waiting period is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.

According to our research, pet insurance costs $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month.

While some pet insurance companies may occasionally claim to not increase with a pet's age, you'll still find that those premiums increase over time. These policies may attribute these increases to other factors like rising veterinary costs or inflation, but they'll still go up over time.

Most will cover common injuries and illnesses, like cancer, diabetes, and broken bones; however, coverage for certain treatments and services, like microchipping, behavior therapy, and dental care, can vary. Pet insurance works differently from human health insurance.

It's usually not too difficult to know when you should claim, and you can always check your policy documents or speak to your insurance provider if you're not sure. The only time it might not be worth claiming is if your policy excess – that's the amount you pay to make a claim – is more than the cost of the treatment.

There is evidence that customers are not getting enough information on prices to allow them to shop around and fears pet owners are overpaying for medicines. The CMA flagged in September that prices for pet care had risen faster than the rate of inflation.

Why do vets recommend Petplan? ›

We pride ourselves on our breadth of cover, paying 97% of all the claims we receive and this is why thousands of vets partner with us. We can also pay vets directly.

How Much Does Fetch Pet Insurance Cost? Based on the sample quotes we requested for pets in all 50 states, the average cost of a Fetch pet insurance plan is $50 per month for dogs and $28 for cats. Exact pet insurance costs will vary depending on multiple factors, including where you live and your pet's age.

No, you cannot get pet insurance and use it straight away. All pet insurance companies have waiting periods. That's the amount of time between when you bought your plan and when coverage begins. The accident waiting period typically ranges between one to 15 days and the average illness waiting period is 14 days.

It is typically recommended that you sign your pet up for an insurance plan as early as possible, even as soon as the day you bring them home. This can help limit the number of items categorized as pre-existing conditions.

An annual limit is the maximum amount of money your pet insurance provider will pay per year once you've met your annual deductible. For example, if you have a pet insurance policy with an annual limit of $10,000 but you have $12,000 worth of expenses, you're responsible for $2,000 of those expenses.

A more affordable monthly premium requires a higher deductible, and a lower deductible will require a higher monthly premium. A young and healthy pet is less likely to be diagnosed with a chronic condition, making a higher deductible and lower monthly premium a good choice.

"There is no upper age limit for coverage or enrollments." "You may enroll your dog or cat as early as 7 weeks of age," insurer Pets Best says. "Like children, young dogs and cats have the highest risk of accidents. And because their immune systems aren't mature, they're more susceptible to infectious diseases.