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
So far spot has been great at getting…
So far spot has been great at getting back when I submit a claim.
My dog had a tooth extracted
My dog had a tooth extracted. From filing the claim to receiving reimbursement was way to simple. Really took alot of stress from a big bill.
Fast n easy to use
Fast n easy to use! Got my payment back quickly!!
me (not…
It was very easy for me (not technically savy) to download my receipts. But it's talking a long time for Spot to review my Soap notes for my payment. However, I did download multiple receipts at one time, so I'll assume that's the reason. I was also able to see on my Spot app where the processing is for progress, so that's helpful.
The Spot Pet Insurance Web page made it…
The Spot Pet Insurance Web page made it very easy to file our claim and submit the necessary documentation. We could monitor the progress of our claim and their telephone support was very helpful. Great service!
Easy sign up
Easy sign up. Clear instructions to file a claim. Quick response
Very helpful and nice
Very helpful and nice
My dog Ellie had gum disease and had…
My dog Ellie had gum disease and had teeth pulled. Spot did cover as to what I signed up for and was easy to process.
I'm a retired senior citizen and live…
I'm a retired senior citizen and live in a fixed income. I researched different pet insurance companies and Spot was the one I chose. I could pick my deductible, my Co pay, my limit. I have a 5 month miniature Schnauzer and wanted some type of coverage. I made a claim for a vaccine, they approved it that same day and the money showed up in my bank account on 2 days. I did most of this over the phone as I'm not computer savvy. Thank you Spot!!
Great Pet Insurance, I recommend to other Pet Owners!
My dog, Lucas, had Spot Pet Insurance from about 8 years old to when he passed away at 11 years old. He needed a lot of medical treatment at the end and SPOT came through with the full payment the policy offered to me. No issues with the claim and they did what was right. Lucas had a 90% reimbursement, $1k deductible, Unlimited Limit, Accident & Illness plan and I was very happy with the process. My other dog Leia also has a Spot policy and I wouldn't use anyone else. Thanks!!
Spot Is a Pack Leader
