“I need coverage if one day I don’t land on my feet.”
– Chi
CAT INSURANCE GUIDE
Your best friend deserves the best cat insurance. Fetch is the most comprehensive cat insurance plan in the U.S. & Canada.
Use any veterinarian in the U.S. or Canada
Rated ‘Excellent’ on Trustpilot
Covers up to 90% of unexpected vet bills
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Trusted by lifesaving shelters in the U.S. and Canada
What is cat insurance?
If your pet gets sick or hurt, cat insurance coverage can help reimburse you for treatment. Fetch offers the most comprehensive pet insurance 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 cat the care they need to live their longest, healthiest, happiest life.
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Why do I need health insurance for my cat?
Every 6 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 pet insurance plans help give you protection from these increasing costs and peace of mind that’s priceless. From allergies to broken bones to cracked teeth, Fetch can offer coverage for a wide range of injuries and illnesses. As a pet parent with Fetch, you’ll be able to give your cat the care they need – without worrying about the full cost of vet bills.
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What does cat insurance cover?
Accidents happen, especially if you have an adventurous pet that loves getting into mischief. You can’t predict when your cat will get stung by a bee or swallow a toy. But you can count on Fetch cat insurance to help cover the cost of care when the unexpected happens. We cover unexpected injuries ranging from cuts and broken teeth to ACL tears and bone fractures. If your pet needs surgery, you’re covered. And whatever your vet recommends on the road to recovery, from acupuncture to physical therapy, Fetch has your back.
We’re also here for you when your cat gets sick, with coverage for illnesses ranging from vomiting and diarrhea to chronic conditions like diabetes and cancer. Need to see a specialist? It’s covered. And unlike other providers, we even cover the exam fees, which can save you around $50 – $250 per visit. Below, take a closer look at some common cat insurance claims and how much Fetch can put back in your wallet.
Vet bill costs are based on U.S. cats’ annual policy terms between 1.1.2020-12.31.2021, where the cats are 1+ years of age. Fetch pays back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500, where the deductible has been met and a reimbursem*nt rate of 90%.
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When it comes to unmatched coverage, Fetch is the cat’s pajamas
Fetch doesn’t just have the most comprehensive cat health insurance — we also stand out from the competition with a plan that includes what other providers charge extra for or don’t cover at all.
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
Not all providers cover medical conditions linked to breed, like heart disease in Ragdolls or dental disease in Persians. We do.
Boarding fees
We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.
Advertising & reward
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.
Name-brand prescription medications & supplements
We cover medicines like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness.
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Compare cat health insurance plans
Want to see Fetch’s superior cat insurance coverage in action? Here’s how other providers stack up against us.
See the Fetch difference:
Click through the list to learn more.
Sick-visit exam fees
$1,000 in online vet visits
Behavioral therapy
Every tooth, plus gums
Alternative & holistic care
$1,000 in boarding fees
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.
Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.
$1,000 in online vet visits
Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.
Trupanion & Healthy Paws don’t cover this.
Behavioral therapy
Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.
Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.
Every tooth, plus gums
Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.
Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.
Alternative & holistic care
We cover treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness. Not all providers do.
Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.
$1,000 in boarding fees
Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.
Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.
And so much more!
Get unmatched coverage
Fetch Pet Insurance covers (and loves) cats of all ages
We cover kittens and senior cats alike — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Your best friend is your best friend, no matter how many birthdays they’ve had.
COVERED
COVERED
Kittens
6 weeks - 1 year old
COVERED
COVERED
Senior cats
8 years old & beyond
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Rated 4.7 in the App Store & Google Play. *Updated July 2023.
How does pet insurance work for cats?
Use any veterinarian in the U.S. or Canada
With Fetch, you have the flexibility to keep your current vet or use 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.
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Want to add preventive care to your cat insurance plan? We’ve got you
Fetch cat insurance gives you unmatched coverage when your pet is sick or hurt. Add Fetch Wellness, and you'll also be covered for the routine care that keeps them healthy. With both, you'll be better prepared for your cat’s veterinary needs, plus you'll save big on vet bills.
Unexpected Visits
Get Fetch Pet Insurance
Accidents & Illnesses
Prescription medications
Emergency visits
Surgery & hospitalization
Physical therapy
And more
+
ROUTINE CARE
Add Fetch Wellness
Annual exam
Vaccinations
Dental cleanings
Spaying & neutering
Blood, urine & fecal tests
See all plans
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Why veterinarians recommend Fetch cat insurance
Don’t just take our word for it — here’s what a top veterinarian has to say about Fetch cat insurance.
“No one wants to think about accidents or illnesses when it comes to their cat, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your cat a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”
Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS
Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board
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See why pet parents love Fetch cat insurance
We’re proud of our 'Excellent' Trustpilot rating and love reading pet insurance reviews about how Fetch has positively impacted our community.
Trustpilot
1 out of 3 pets need unexpected veterinary care each year.
Here's a look at how much Oriental Shorthairs, like Radar, rack up in vet bills in a year, on average.
Oriental Shorthair's vet bills:
$3,218
Fetch pays back:
$2,896
Vet bill cost is based on the average vet bills for U.S. Oriental Shorthairs’ annual policy terms with effective date between 1.1.2019-12.31.2021, where the cats are 4 years old. Fetch pays back is based on a policy configuration of a max annual payout of $5,000, an annual deductible of $250 and a reimbursem*nt rate of 90%.
Your cat insurance questions – answered!
When should I get cat insurance?
The sooner you enroll, the sooner your cat is covered. Fetch covers cats 6 weeks and older, but it's best to sign up before they need it. Like other cat insurance providers, Fetch cat insurance doesn’t cover pre-existing conditions. That’s why we recommend signing up as early as possible before health issues develop — so you and your best friend can live your best lives together.
What’s not covered with cat insurance?
Like other pet insurance providers, we don’t cover pre-existing conditions. This is any condition that your pet shows signs of, or occurs before you enroll or during the waiting period of up to 15 days. The good news: if your cat has an injury or illness and then goes 12 months without signs, symptoms or treatment, that injury or illness is considered curable and is eligible for coverage. Curable pre-existing conditions can include UTIs, respiratory infections and broken bones.
How much is cat insurance?
With Fetch, your cat insurance cost is based on your cat’s age, breed and location. From there, you’ve got options. Here are the different factors you can customize to make sure your price fits your budget.
Cat insurance terms — decoded:
Maximum annual payout
Your max annual payout is the maximum dollar amount you can be paid back each year. Choosing a lower max annual payout will make your price lower.
Annual deductible
Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved veterinary care before we can start reimbursing you.
Reimbursem*nt
Your reimbursem*nt rate is the percentage of an approved claim total that we can cover. For example, if your reimbursem*nt rate is 80% and you submit a claim for $500, we can cover up to $400.
How much does a vet visit cost without cat insurance?
The cost of vet visits without cat insurance varies widely and depends on factors like your cat’s breed, age, location and what brings you and your pet to the vet in the first place.
Let’s say your cat gets a urinary tract infection. Your vet bill would cost, on average, $616 without cat insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $554 would be covered. Getting cat insurance helps your pet get the medical attention they need while also protecting your wallet from unexpected vet expenses.
Is cat insurance worth it?
If you’re looking for potential savings on future vet trips, the answer is yes. Cat insurance helps make vet bills more affordable, and you can rest easy knowing you’ll be covered if your pet unexpectedly gets sick or hurt down the road. But if you’re at the vet with a sick cat right now, bear in mind that your current visit won’t be covered because like other pet insurance providers, we don’t cover pre-existing conditions. Your cat will be covered for eligible claims once they’re enrolled and the waiting period has passed. Just another reason to sign up today.
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The comparison is accurate as of July 2023 and is subject to change.
Every 6 seconds a pet owner is faced with a vet bill of more than $1,000 according to NBC News. September 2018.
This is a summary of the coverages in your pet health insurance policy from Fetch. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, the provisions of the policy shall prevail.
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, 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 April 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.
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.
