Is Fetch pet insurance worth it?
Fetch pet insurance is worth it for owners whose priority is coverage breadth on things most insurers exclude: Fetch genuinely covers dental disease and behavioral therapy, which most competitors exclude or sell separately. There is no accident waiting period from the effective date, matching Embrace. At an illustrative starting estimate of about $47/month for a dog and $27/month for a cat, it is not the budget pick, and the listed annual caps top out at $15,000 (higher limits exist by contacting Fetch directly). Skip it if you chase the largest off-the-shelf cap or the lowest price.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeWhat the price buys
Fetch is upper-mid in catalog pricing: an illustrative starting estimate of about $47/month for a healthy young dog and $27/month for a cat. What distinguishes it is coverage breadth rather than ceiling: real dental disease coverage (most insurers exclude it or relegate it to a paid add-on) and behavioral therapy coverage, plus an optional Fetch Wellness add-on for routine care.
Mechanics are conventional: deductibles from $250 to $2,500 (three recommended amounts shown at signup, others by contact), 70/80/90% reimbursement, and annual limits of $5,000, $10,000 or $15,000 listed, with higher limits available by contacting Fetch.
No accident wait from the effective date
Fetch has no accident waiting period from the policy effective date, matching Embrace, and illness coverage starts within up to 15 days. Compare that to 24 hours at Figo, 2 days at Lemonade, 3 days at Pets Best, and 5 days at Trupanion. If you are insuring right before an active, accident-prone phase (a new puppy, a sporting dog), that head start has real value.
When a competitor wins instead
On price, Fetch loses to Lemonade (about $28/month for a dog, scoring 9.0 against Fetch at 7.6). On ceiling, Embrace and Spot both offer unlimited annual limits off the shelf against Fetch’s $15,000 top listed tier. On overall value for dogs, Healthy Paws (9.3, unlimited payout) beats it on both score and starting price in our estimates.
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.