With Fetch Pet Insurance, you are required to take certain steps to take care of your pet, including getting them an annual exam and dental cleaning. Otherwise, you won’t be eligible for reimbursement. In addition, you need to ensure your pet receives any treatments normally suggested by a veterinarian to prevent illnesses and injuries. The ASPCA® Pet Health Insurance Program does not have these kinds of requirements for coverage.

ASPCA® Pet Health Insurance Fetch Pet Insurance
Reimbursement Choice of 90%, 80% or
70% of covered vet costs
Choice of 90%, 80% or
70% of covered vet costs
Type of Deductible Annual Annual
Illness Waiting Period 14 Days 15 Days
Accident Waiting Period 14 Days 15 Days
Preventive Care Optional add-on Optional add-on
Coverage Includes:    
Exam Fees Yes Yes
Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. Yes Yes
Prescription Medications Yes Yes
Hereditary and Congenital Conditions Yes Yes
Alternative Therapies Yes Yes
Behavioral Issues Yes Yes, but only up to $1000 per policy year
Dental Illnesses Yes Yes
Chronic Conditions Yes Yes
Specialists Yes Yes
Stem Cell Treatments Yes Yes
Prescription Food & Supplements
To treat a covered condition (not for general maintenance or weight management)
Yes Prescription food is excluded; prescription supplements are covered
Microchip Yes Partial reimbursement for implantation (under wellness plans that can be added on for an additional cost)
No Vaccination Requirements for Coverage of Certain Conditions Yes No
Multiple Pet Discount 10% for each additional pet None
Upper Age Limits for Illness Coverage Enrollment

This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age.

None None
All Pets Eligible, Regardless of Health Yes Yes
Accident-Only Plan Available for All Pets Yes No
Money Back Guarantee 30 Days* 30 Days
Experience The agency that provides ASPCA Pet Health Insurance was founded in 1997. Fetch, formerly known as Petplan, was founded in 2003. In 2022, Petplan transitioned its name to Fetch
Better Business Bureau Rating A+ A+

Fetch Pet Insurance Plan Comparison

Fetch Pet Insurance and ASPCA® Pet Health Insurance plans differ in some important ways including coverage for microchipping implantation and multi-pet discounts.

Preventive Care Coverage

You can add preventive care coverage to your ASPCA® Pet Health Insurance plan at a low additional cost. This coverage reimburses a set amount for a list of conditions, including annual check-ups, vaccines, heartworm preventatives, and flea and tick medications. Fetch offers three wellness plans (Prime, Essential, and Advantage) available as an add-on at an additional cost.

Behavioral Conditions

ASPCA® Pet Health Insurance plans cover behavioral conditions, with symptoms such as excessive vocalization, destructive chewing, and pacing. Pets with this kind of condition can disrupt the house and may even hurt themselves, for instance, if they obsessively chew at their fur. The ASPCA® Pet Health Insurance program coverage can help you manage the costs of diagnosis and treatment of behavioral conditions, including any medications that your veterinarian prescribes to help your pet.

Fetch only offers this coverage with an annual limit of $1000. The annual limit is the maximum amount you can be reimbursed during the policy year. Fetch will not cover more than $1000 per policy period for behavioral conditions.

Prescription Food and Supplements

Your veterinarian may recommend prescription food or supplements to help with specific health conditions. Fetch covers prescription supplements but not prescription food. ASPCA® Pet Health Insurance plans cover both prescription food and supplements to treat covered conditions (not for general maintenance or weight management).

Microchip Implantation

The ASPCA® Pet Health Insurance Program coverage will reimburse you for the costs of implanting a microchip in your pet. This procedure is not painful for your pet, and it can help make sure your pet is returned home quickly and safely. Fetch offers partial reimbursement for microchip implantation under their wellness plans, which must be purchased as an add-on at an additional cost.

Multiple Pet Discount

If you plan to protect more than one pet, you’ll save money on your base plan premium with a 10% multiple pet discount from the ASPCA® Pet Health Insurance program for each pet after your most expensive pet. Fetch does not offer a discount for insuring multiple pets. You may only have one pet in your family now, but if you decide to welcome a new pet later, you may want a provider that offers this discount.


*We offer a 30-day money back guarantee if no claims are filed. Not available in NY.

Comparison information is provided using publicly available information as of 11/22/2022 and is only meant to summarize program features, not a specific plan.

Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.

Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.

Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).

The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.