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
Happy with the Service
So far, I'm happy with the service. The claims department is quick, and so is the refund process.
Wonderful experience
Wonderful experience
Excellent service and an easy claim…
Excellent service and an easy claim process. Clear communication, helpful support, and great peace of mind for Mila’s care. Very satisfied with Spot Pet Insurance.
I am happy for the most part
I am happy for the most part. After my last claim was in the review process only took two days to complete. I did an appeal for Jake's first depomedrol injection, it was given initially for Jake's arthritis, but as an added benefit it helped his dermatitis and hip. The vet had written in the note you received that was only for his dermatitis, the Vet sent a corrected letter stating that the injection was given for his arthritis. This was acouple months ago, I never received the outcome and nothing was added toward Jake's deductible for his first injection. The injections after that were added towards the deductible. I would be very happy to it this could be resolved and the amount added towards Jake's deductible. Thank you
Easy to understand website
Easy to understand website. Very clear coverage explanations and sign up process. Easy to submit claims and very fast reimbursements. Loved the explanation of benefits section.
They processed my claims quickly!
They processed my claims quickly!
Great turn around
Submitted claim online September 16th. September 19th received results and payment.
Great experience!
Great experience when i added our new puppy to our policy. It was quick, easy, and the rep was incredibly helpful and professional.
I was so glad to get a very nice person…
I was so glad to get a very nice person on the phone. She was congenial and put me at ease. I already had one dog with Spot and I added her 2 sisters. She was so helpful and I hope that if I have to contact Spot again, I get her to help me! Sorry, but I don’t have her name. 🥺 But she had an accent that was great!
Spot Is a Pack Leader
