Fetch Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
With so many pet insurance options to choose from, here's how Spot plans compare to Fetch plans, so you can see the differences that matter most for your pet.
How do Spot plans and Fetch policies differ?
There are some key differences between Spot plans and Fetch plans. Here are a few that you might want to know about:
Fetch doesn't cover microchip implantation in its base plans. Spot includes it in every plan.
Fetch doesn't offer a multi-pet discount. Spot offers 10% off every additional pet.
Fetch doesn't cover prescription food. Spot does, when it's prescribed to treat a covered condition
Fetch requires a vet exam within 30 days of your policy start if your pet hasn't seen a vet in the past year, so it has the medical records needed to process claims. Spot doesn't have this requirement.
Behavioral Issues
No Upper Age Limit
Exam Fees
Preventive Care
Microchip
Prescription Foods
Alternative Therapies
Chronic Conditions
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Multi Pet Discount
30-Day Money Back Guarantee
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Included
Not included/Some inclusionsComparison information is provided using publicly available information as of 3/2/24 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were 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. Although we attempt to keep information up to date, 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 marketing@spotpet.com.
4 Reasons to consider Spot plans over Fetch plans
Fetch Doesn't Cover Microchip Implantation in Its Base Plans. Spot Does.
Microchip implantation is quick and simple and can help increase the chance that a pet parent and lost pet will be reunited by 80%. All base plans provided by Spot cover microchip implantation.
Fetch plans do not cover microchip implantation in their base plans. For an extra cost, Fetch offers coverage for microchip implantation in their Wellness add-ons.
Fetch Doesn't Offer a Multi-Pet Discount. Spot Offers 10% Off Every Additional Pet.
We know that many pet lovers can't have just one fur baby! Spot plans provide a 10 percent multi-pet discount for all added pets after the first. With Fetch plans, any added pets will have a full-priced premium insurance plan.
Fetch Doesn't Cover Prescription Food. Spot Does When It's Prescribed for a Covered Condition.
Spot plans cover prescription foods and supplements as long as they are prescribed by a licensed veterinarian.
Fetch plans do not cover any prescription foods.
Fetch Requires a Vet Exam Within 30 Days of Enrollment if Your Pet Hasn't Been Seen in the Past Year. Spot Doesn't.
Fetch requires an exam within 30 days of enrollment if your pet hasn't seen a vet in the past year, since it needs recent medical records on file to process claims.
Spot has no such requirement.
Frequently Asked Questions
Does Fetch cover microchip implantation?
No — Fetch only covers microchip implantation through an optional Wellness add-on. Spot includes it in every base plan at no extra cost.
Does Fetch offer a multi-pet discount?
No — Fetch charges full price for every additional pet. Spot offers a 10% multi-pet discount for every pet added after the first.
Does Fetch cover prescription pet food?
No — Spot helps cover Rx food and supplements prescribed by a licensed vet to treat a covered condition; Fetch does not.
Does Fetch require a vet exam before coverage starts?
Fetch requires an exam within 30 days of enrollment if your pet hasn't seen a vet in the past year, since it needs recent medical records on file to process claims. Spot has no such requirement.
Does Fetch offer an employer discount for pet insurance benefits?
Yes — Fetch offers a 10% employer discount for pet insurance offered through employee benefit programs. Spot matches this with its own 10% employer discount.
Choose Spot if You Want Microchip Coverage, a Multi-Pet Discount, and No Recent-Exam Requirement
Spot includes microchip implantation in every pet insurance plan, offers a 10% multi-pet discount on 2nd+ pets, and doesn't require a recent vet visit to be eligible for coverage — all handled differently with Fetch.
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Comparison information is provided using publicly available information as of [DATE] 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 is 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 the 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 marketing@spotpetins.com.
Happy Pet Parents Trust Spot
Everything went very smoothly
Everything went very smoothly
Very easy program
Very easy program. Quick turn around.
Easy submission
Submission of the paperwork was simple. Completing the questionnaire was so easy and took no time at all.
Fast pay out good coverage
Fast pay out good coverage, friendly service
Spot pet Insurance is absolutely…
Spot pet Insurance is absolutely wonderful. I’m so glad I became a client! Everyone is so helpful and so kind that many companies do not have that rapport. I would highly recommend them to anyone who is in need of coverage for their “ kids” !!!🥰
Great first experience with Spot!
The Spot mobile App is very easy to navigate and submit a claim. I submitted on Oct 27 “and I received reimbursement within 13 days on Nov 9th with a direct deposit. The process was fast because when i submitted the invoices, i also submitted the Doctor’s notes, medical history and diagnosis to make the submission process easy for the claims adjuster to review my claim. I did my homework on Spot and checked the reviews that were all good. Also the premium was affordable. I left Healthy Paws pet insurance after 8 years when they tripled my premiums on multiple pets and did not cover a procedure even though it should of been covered per guidelines. I am very happy with Spot Pet insurance for my 2 dogs and cat. THANK YOU, Josie R
The process was quick and easy and we…
The process was quick and easy and we got our check mailed out probably two days after we put in the claim. Very happy with Spot Insurance.
Insurance Claims
The experience that i had with this insurance was great and i would use it again and again.
Spot makes it easier to care for pets
We got spot insurance ... Months later our vet discovered an enlarged liver. Turned out to be cancerous. Spot allowed us to make the right decisions about his care. He's still fighting but we're hopeful the tumor will shrink with treatment.
A very user friendly website.
A very user friendly website.
Spot Is a Pack Leader
