Fetch vs. Pets Best Pet Insurance

Pets Best offers better pet insurance coverage for dogs and cats than Fetch, ranking second nationally while Fetch ranks third. Both providers offer similar deductible ranges and reimbursement rates, but Pets Best provides unlimited annual coverage options compared to Fetch's $15,000 cap and allows more flexibility in adjusting coverage terms after enrollment.

Pets Best ranks as the best pet insurance company in Maryland for cats and Wisconsin for dogs. While Pets Best leads in just these two states, it maintains strong national rankings with second place for dog coverage and third place for cat insurance nationwide.

Pets Best offers more affordable pet insurance than Fetch across all age groups for both cats and dogs. For middle-aged dogs, Pets Best costs $53 per month compared with Fetch's $103. Middle-aged cats cost $27 with Pets Best versus $45 with Fetch.

Learn more about how much pet insurance costs across different age categories.

Pets Best offers the cheapest pet insurance across all 50 states for every pet type and age group. Pets Best provides the most affordable rates for middle-aged dogs and cats nationwide, consistently beating Fetch's pricing in every category we analyzed.

Both providers recognise that pet owners are seeking affordable options while still maintaining strong financial protection for their four-legged family members. Below is side-by-side comparison of the key discount opportunities available from Fetch and Pets Best.

Pets Best delivers better customer experience than Fetch, ranking fifth nationally for both dogs and cats compared to Fetch's position six spots lower. However, the ratings tell a complex story. Fetch maintains an A+ BBB rating and strong 4.5 Trustpilot score, while Pets Best struggles with an F BBB rating despite earning a solid 4.0 Trustpilot score.

Pets Best offers better pet insurance coverage for dogs and cats than Fetch, ranking sixth nationally while Fetch ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Pets Best has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

If you’re looking to enhance your pet’s financial protection beyond standard illness and accident coverage, both Fetch and Pets Best provide optional add-ons and wellness-oriented options. These can help cover routine care and non-emergency treatments so you’re not caught off guard by everyday vet costs.

• Wellness/Preventive care add-on (“Fetch Wellness”): Covers routine services like vaccinations, dental cleaning, and parasite prevention, and may have no waiting period for wellness. Plans may reimburse up to set benefit amounts.
• Fetch Pet Rx and perks: Offers 100% reimbursement on qualifying medications through their online pharmacy and provides pet product/health-wellness discounts (e.g., up to $1,500 in savings on pet health & wellness items).
• Virtual vet visits benefit: Included in some plans with access to annual online vet care allowance to reduce emergency costs.

• Routine care/Wellness coverage: Offers two tiers (e.g., EssentialWellness™ and BestWellness™) that can be added to an Accident & Illness plan, covering vaccines, blood tests, spay/neuter, dental cleaning, and preventive treatments like parasite control.
• Prescription medication add-on/coverage: Many plans include or allow an add-on for medications which covers conditions like allergies, chronic illness, cancer and more in their formulary.
• Vet direct-pay and specialty care enhancements: Some plans include direct vet payment options or extensions for specialist care, depending on the plan selected.

Pets Best beats Fetch across all key areas, making it the better choice for most pet owners. Pets Best offers more affordable coverage with rates starting at $53 per month for middle-aged dogs and $27 for cats. The provider also delivers superior coverage options, including more comprehensive benefit packages and flexible policy terms. While Pets Best earns a 4.0 out of 5.0 rating on Trustpilot with an F BBB rating, it still outperforms Fetch in overall customer experience through faster claim processing and more responsive support.

Compare Fetch and Pets Best pet insurance through these common questions:

Evaluating Fetch versus Pets Best required gathering quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same pet profiles and policy specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Our analysis used three key factors, each weighted by importance to pet owners:

Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to calculate typical monthly premiums, including available discounts that affect real costs.

Customer Experience (30% of score): We evaluated Trustpilot ratings and analyzed customer feedback to assess satisfaction with claims processing and customer support.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.