Fetch Pet Insurance

4 Reddit posts

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r/puppy101🐶Mar 25, 2026

Recommend Pet insurance

Can you guys recommend good pet insurance? I currently have Fetch because that’s what the shelter recommended and had me enroll in the day I adopted my puppy. It’s been almost 3 months since then and I hate it. My puppy is soon to be 6 months healthy mixed breed boy with no prior health conditions and I pay $52/month. The only concern that I have with switching pet insurance is the “pre-existing conditions”. During my first vet visit, I asked the vet so many questions because this is my first time raising a dog😅 and the vet included them in the note. The two that I’m worried about is asking the vet regarding his dry skin and the fact that he peed a lot the day before. I’m hearing from other pet owners that anything can be marked as pre-existing conditions and deny claims/reimbursements. Any suggestions? Which insurance do you guys have a positive experience with?

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r/puppy101🐶Apr 26, 2026

fetch vs spot pet insurance

i just started comparing fetch and spot pet insurance for a border collie puppy and wanted to hear from people who have already gone through this. if youve used either one id love to know how claims went what they actually covered and whether one ended up being better value over time. im especially trying to think ahead about common border collie stuff like injuries from being super active joint issues accidents and anything hereditary that tends to come up with the breed. would you go with fetch or spot if you were starting over

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r/puppy101🐶Apr 26, 2026

fetch vs spot pet insurance

Border collie energy is no joke so youre already ahead thinking about long term stuff like hips injuries and random accidents. the claims side is where people start to see differences, especially when its not just one visit but ongoing care meds and checkups. seen fetch pet insurance brought up a lot because it tends to cover a wider range without splitting everything into add ons, which can make a big difference with an active puppy. spot isnt bad but people sometimes realize later theyre paying extra to get closer to that same level of coverage.

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r/puppy101🐶Apr 28, 2026

fetch vs spot pet insurance

I went through the same comparison and ended up choosing Spot mainly because I could adjust the deductible and monthly cost to fit my budget, and when my dog had a minor injury that needed a couple follow-up visits, the claims process was pretty straightforward and helped with part of the expenses. From what I saw while researching, Spot tends to be more flexible and budget-friendly, while Fetch leans more toward broader built-in coverage but can cost more upfront, so it really comes down to whether you want lower monthly cost or more all-in coverage from the start.