Resource Center Health & Care Why Your Pup Needs Pet Insurance

Why Your Pup Needs Pet Insurance

David Mead is the Vice President, Head of Marketing at PuppySpot. Dogs have been an important part of his life since his early childhood. He has a passion for dog training and believes that dogs make the best companions as long as you treat them right.

PuppySpot has partnered with Fetch, to provide a special offer for PuppySpot Customers

New puppies absolutely love to explore. The whole world is full of interesting smells, new people, and new things to bark at! Not all of these new things are good for a small puppy though, as anyone who has had a pup get into their chocolate stash can attest.

This is where pet insurance comes in. Just like human health insurance, pet insurance allows you the peace of mind to know that if anything goes wrong with your new pup, your pup's medical bills are covered. But what is pet insurance, really?

What is pet insurance?

Pet insurance helps you pay for vet bills if your pet gets sick or hurt

Fetch Insurance  -  PuppySpot customers save 10% every month for a whole year. 

Fetch pet insurance helps you cover the cost of vet bills when your dog or cat gets sick or hurt. We’re the most comprehensive pet insurance there is. That means we cover things like hereditary conditions linked to breed, injury and disease in every adult tooth, and exam fees.

Use any veterinarian in the U.S. or Canada
Rated 'Excellent' on Trustpilot with a 4.5 out of 5-star rating.
Covers up to 90% of unexpected vet bills

Fetch offers a fully customizable plan with annual limits of $2,500 to unlimited. You are also able to choose to apply your deductible on an annual or per-condition basis and you can choose from 70%, 80%, or 90% reimbursement options that are based on the veterinarian's actual bill. 

How Fetch works:

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 two days via direct deposit.  Claims are typically processed within 15 days from when we receive all your documents. We’ll email you with updates, so keep an eye on your inbox. And if you set up direct deposit, you’ll be paid back 5-10 days faster than if you have a check mailed to you.

What's covered?
Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease, and more. As long as it's not a pre-existing condition, we’re here for just about anything that happens. We provide the most comprehensive coverage in the industry, and it's all standard in your plan.

  • Treatment for injuries: The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
  • Treatment for illnesses: The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
  • 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.
  • Every tooth & gum: Injury and disease in every adult tooth, not just the four canine teeth. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more
  • Breed-specific issues: Medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese.
  • Alternative & holistic care: Treatments like acupuncture, aromatherapy, chiropractic, and homeopathic therapy administered by a vet to treat an injury or illness.
  • Emergency vet visits: Treatment at licensed emergency veterinary clinics anywhere in Canada or the U.S.
  • Specialists: Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists, and cardiologists.

What’s not covered?
Pet insurance covers future accidents and illnesses — the stuff you can’t see coming. Here’s everything you need to know about what we don’t cover.

  • Routine and preventive care are not covered. We don’t currently cover routine and preventive care: things like vaccinations, checkups, spaying/neutering, or teeth cleaning.
  • Pre-existing conditions are not covered. A pre-existing condition is anything that happened before you enrolled or during the waiting period. As a reminder, the waiting period ends 15 days after the effective date of your policy. We’ll send you an email the day the waiting period ends.
  • Anything that happened before or during the waiting period is not covered. We cover new injuries and illnesses that occur after the waiting period is over.

What kind of coverage should I get?

The type of coverage you get will depend on what your needs are. If you feel confident that you could cover any health-related costs for your pet, you may not need insurance at all. But for those who prefer to avoid unexpected pet-related expenses, it's important to consider what kind of financial impact you're willing and able to cover for your pet and insure them accordingly. If you're able to pay for an unexpected $1,000 vet visit, then you could keep your insurance minimal, perhaps only covering injuries and hereditary illnesses. But if you're willing to pay a bit more every month to avoid a large bill from the vet, it may be better to select a low deductible or co-payment. Luckily, pet insurance is very customizable and can be adjusted for your needs.

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