Updated: March 16, 2026
Advertising & Editorial Disclosure
Pets Best costs less than Fetch by a wide margin. Middle-aged cats run $27 per month with Pets Best versus $45 with Fetch, and middle-aged dogs cost $53 versus $103. That's nearly half the price for dog owners.
Pets Best edges out Fetch on customer service. Reddit users gave it 70% positive sentiment for quick reimbursements and a hassle-free claims process.
Pets Best covers more than Fetch, with shorter waiting periods for accidents and illnesses and direct payments to licensed veterinarians for covered claims.
According to MoneyGeek's analysis, Pets Best beats Fetch overall for both dogs and cats on pet insurance.
| Cat | Affordability | Pets Best | 6 | 12 |
| Cat | Coverage | Pets Best | 2 | 3 |
| Cat | Customer Experience | Pets Best | 5 | 6 |
| Cat | Overall Score | Pets Best | 7 | 10 |
| Dog | Affordability | Pets Best | 4 | 13 |
| Dog | Coverage | Pets Best | 2 | 3 |
| Dog | Customer Experience | Pets Best | 5 | 6 |
| Dog | Overall Score | Pets Best | 3 | 11 |
How We Decided the Winning Pet Insurance Provider
All scores are based on average pricing and experiences for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Find the best pet insurance for your pet across different situations:
Pets Best is the best pet insurance company in comparison to Fetch, winning in all 50 states for both dogs and cats.
| Alabama | Cat | Pets Best |
| Alabama | Dog | Pets Best |
| Alaska | Cat | Pets Best |
| Alaska | Dog | Pets Best |
| Arizona | Cat | Pets Best |
| Arizona | Dog | Pets Best |
| Arkansas | Cat | Pets Best |
| Arkansas | Dog | Pets Best |
| California | Cat | Pets Best |
| California | Dog | Pets Best |
| Colorado | Cat | Pets Best |
| Colorado | Dog | Pets Best |
| Connecticut | Cat | Pets Best |
| Connecticut | Dog | Pets Best |
| Delaware | Cat | Pets Best |
| Delaware | Dog | Pets Best |
| Florida | Cat | Pets Best |
| Florida | Dog | Pets Best |
| Georgia | Cat | Pets Best |
| Georgia | Dog | Pets Best |
| Hawaii | Cat | Pets Best |
| Hawaii | Dog | Pets Best |
| Idaho | Cat | Pets Best |
| Idaho | Dog | Pets Best |
| Illinois | Cat | Pets Best |
| Illinois | Dog | Pets Best |
| Indiana | Cat | Pets Best |
| Indiana | Dog | Pets Best |
| Iowa | Cat | Pets Best |
| Iowa | Dog | Pets Best |
| Kansas | Cat | Pets Best |
| Kansas | Dog | Pets Best |
| Kentucky | Cat | Pets Best |
| Kentucky | Dog | Pets Best |
| Louisiana | Cat | Pets Best |
| Louisiana | Dog | Pets Best |
| Maine | Cat | Pets Best |
| Maine | Dog | Pets Best |
| Maryland | Cat | Pets Best |
| Maryland | Dog | Pets Best |
| Massachusetts | Cat | Pets Best |
| Massachusetts | Dog | Pets Best |
| Michigan | Cat | Pets Best |
| Michigan | Dog | Pets Best |
| Minnesota | Cat | Pets Best |
| Minnesota | Dog | Pets Best |
| Mississippi | Cat | Pets Best |
| Mississippi | Dog | Pets Best |
| Missouri | Cat | Pets Best |
| Missouri | Dog | Pets Best |
| Montana | Cat | Pets Best |
| Montana | Dog | Pets Best |
| Nebraska | Cat | Pets Best |
| Nebraska | Dog | Pets Best |
| Nevada | Cat | Pets Best |
| Nevada | Dog | Pets Best |
| New Hampshire | Cat | Pets Best |
| New Hampshire | Dog | Pets Best |
| New Jersey | Cat | Pets Best |
| New Jersey | Dog | Pets Best |
| New Mexico | Cat | Pets Best |
| New Mexico | Dog | Pets Best |
| New York | Cat | Pets Best |
| New York | Dog | Pets Best |
| North Carolina | Cat | Pets Best |
| North Carolina | Dog | Pets Best |
| North Dakota | Cat | Pets Best |
| North Dakota | Dog | Pets Best |
| Ohio | Cat | Pets Best |
| Ohio | Dog | Pets Best |
| Oklahoma | Cat | Pets Best |
| Oklahoma | Dog | Pets Best |
| Oregon | Cat | Pets Best |
| Oregon | Dog | Pets Best |
| Pennsylvania | Cat | Pets Best |
| Pennsylvania | Dog | Pets Best |
| Rhode Island | Cat | Pets Best |
| Rhode Island | Dog | Pets Best |
| South Carolina | Cat | Pets Best |
| South Carolina | Dog | Pets Best |
| South Dakota | Cat | Pets Best |
| South Dakota | Dog | Pets Best |
| Tennessee | Cat | Pets Best |
| Tennessee | Dog | Pets Best |
| Texas | Cat | Pets Best |
| Texas | Dog | Pets Best |
| Utah | Cat | Pets Best |
| Utah | Dog | Pets Best |
| Vermont | Cat | Pets Best |
| Vermont | Dog | Pets Best |
| Virginia | Cat | Pets Best |
| Virginia | Dog | Pets Best |
| Washington | Cat | Pets Best |
| Washington | Dog | Pets Best |
| West Virginia | Cat | Pets Best |
| West Virginia | Dog | Pets Best |
| Wisconsin | Cat | Pets Best |
| Wisconsin | Dog | Pets Best |
| Wyoming | Cat | Pets Best |
| Wyoming | Dog | Pets Best |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Our pet insurance cost study reveals that Pets Best is more affordable than Fetch across all age categories for both dogs and cats. Senior dog owners save the most by choosing Pets Best, cutting costs by 56% compared to Fetch's rates.
| Kittens | Pets Best | $13 | 8% |
| Young Cats | Pets Best | $17 | 25% |
| Puppies | Pets Best | $27 | 40% |
| Middle Aged Cats | Pets Best | $27 | 40% |
| Young Dogs | Pets Best | $33 | 45% |
| Middle Aged Dogs | Pets Best | $53 | 48% |
| Senior Cats | Pets Best | $67 | 50% |
| Senior Dogs | Pets Best | $133 | 56% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Pets Best offers the cheapest pet insurance compared to Fetch across all 50 states and every age category we analyzed. Arkansas provides the lowest rates for both companies, with Pets Best charging between $9 monthly for kittens and $89 monthly for senior dogs in the state.
| Alabama | Pets Best | $39 | 48% |
| Alaska | Pets Best | $52 | 48% |
| Arizona | Pets Best | $65 | 48% |
| Arkansas | Pets Best | $36 | 48% |
| California | Pets Best | $67 | 48% |
| Colorado | Pets Best | $67 | 48% |
| Connecticut | Pets Best | $61 | 48% |
| Delaware | Pets Best | $53 | 48% |
| Florida | Pets Best | $60 | 48% |
| Georgia | Pets Best | $48 | 48% |
| Hawaii | Pets Best | $54 | 48% |
| Idaho | Pets Best | $53 | 48% |
| Illinois | Pets Best | $66 | 48% |
| Indiana | Pets Best | $48 | 48% |
| Iowa | Pets Best | $45 | 48% |
| Kansas | Pets Best | $48 | 48% |
| Kentucky | Pets Best | $42 | 48% |
| Louisiana | Pets Best | $43 | 48% |
| Maine | Pets Best | $65 | 48% |
| Maryland | Pets Best | $52 | 48% |
| Massachusetts | Pets Best | $69 | 48% |
| Michigan | Pets Best | $53 | 48% |
| Minnesota | Pets Best | $55 | 48% |
| Mississippi | Pets Best | $45 | 48% |
| Missouri | Pets Best | $42 | 48% |
| Montana | Pets Best | $45 | 48% |
| Nebraska | Pets Best | $48 | 48% |
| Nevada | Pets Best | $55 | 48% |
| New Hampshire | Pets Best | $62 | 48% |
| New Jersey | Pets Best | $60 | 48% |
| New Mexico | Pets Best | $47 | 48% |
| New York | Pets Best | $58 | 48% |
| North Carolina | Pets Best | $47 | 48% |
| North Dakota | Pets Best | $41 | 48% |
| Ohio | Pets Best | $49 | 48% |
| Oklahoma | Pets Best | $45 | 48% |
| Oregon | Pets Best | $66 | 48% |
| Pennsylvania | Pets Best | $55 | 48% |
| Rhode Island | Pets Best | $46 | 48% |
| South Carolina | Pets Best | $50 | 49% |
| South Dakota | Pets Best | $47 | 48% |
| Tennessee | Pets Best | $49 | 48% |
| Texas | Pets Best | $56 | 48% |
| Utah | Pets Best | $51 | 48% |
| Vermont | Pets Best | $49 | 48% |
| Virginia | Pets Best | $57 | 48% |
| Washington | Pets Best | $61 | 48% |
| West Virginia | Pets Best | $46 | 48% |
| Wisconsin | Pets Best | $57 | 48% |
| Wyoming | Pets Best | $49 | 48% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Pets Best offers four pet insurance discounts compared to Fetch's three, but Fetch has better savings on the discounts both companies share. Military members save twice as much with Fetch (10% versus Pets Best's 5%), and employer group plans through Fetch cut costs by 10% against Pets Best's 5%. Pets Best adds a multi-pet discount and veterinary staff savings, while Fetch offers exclusive AARP member benefits.
Multiple pets | None. | Reduce rates by 5% for insuring more than one pet with Pets Best. |
Military | Receive 10% off on pet insurance if you're an active military or a veteran who enroll with proof of service. | Active duty service members, veterans and military spouses or kids get 5% off on pet insurance. |
Membership | 10% automatically off for AARP members who enroll through the AARP benefit page. | None. |
Employer group plan | Save 10% by signing up with a participating employer's group plan. | Get 5% off for joining a participating employer's group plan. |
Veterinary staff | None. | 5% off for employees and staff working at a veterinary clinic. |
Pets Best provides better customer experience than Fetch, ranking fifth nationally compared to Fetch's sixth place. Although Fetch earns higher ratings from Trustpilot and the Better Business Bureau, Pets Best outperforms its competitor on positive sentiment among Reddit users.
Fetch earns a higher Trustpilot rating at 4.5 out of 5.0 compared to Pets Best's 3.6 out of 5.0. Fetch customers praise fast claim processing and helpful customer service, though some report claim denials and coverage confusion. Pets Best users appreciate straightforward plans and coverage for major procedures, but frequently mention slow reimbursements, website issues and inconsistent claim decisions.
Fetch holds an A rating from the BBB and is accredited, while Pets Best isn't rated or accredited by the organization. Fetch's A rating reflects BBB accreditation and 198 filed complaints, showing the company meets BBB Standards for Trust despite customer concerns. Pets Best lacks BBB accreditation because it's still responding to previously closed complaints, which prevents the organization from assigning a rating.
We analyzed Reddit discussions and found that Fetch only holds 8% positive feedback from 13 total comments, while Pets Best maintains 70% positive sentiment from 10 comments. Reddit users praise Pets Best for straightforward claim approvals and reliable reimbursements, while Fetch discussions center on claim denials and coverage disputes.
Pets Best offers better pet insurance coverage for dogs and cats than Fetch, ranking second nationally while Fetch ranks third. Pets Best wins against Fetch for requiring shorter waiting periods for accidents and illnesses and paying licensed veterinarians directly for covered claims.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$250 to $2,500 | $100, $200, $250, $500, $1,000 | |
$5,000, $10,000, $15,000, Unlimited | $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | 3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | |
Age restrictions | No upper age limits for enrollment | No upper age limit for enrollment |
Pre-existing conditions | Curable conditions may be covered after 365 symptom-free days | Curable pre-existing conditions may be covered if cured and no further treatment is needed |
Direct vet payment | Doesn't feature direct vet payment | Pays licensed vets directly if you submit a completed pet insurance claim along with a veterinarian reimbursement release form that both you and your vet have signed |
Coverage varies by state and policy terms. Always review your policy documents to understand exact coverage terms, exclusions and limitations.
Regarding optional add-ons, Fetch offers Fetch Wellness, which comes in three tiers (Essential, Advantage and Prime) and covers routine care like annual exams, vaccinations, flea and tick prevention, heartworm testing and dental cleanings. In contrast, Pets Best provides three:
Pets Best beats Fetch for pet insurance overall for dog and cat owners. Rates start at $53 per month for middle-aged dogs and $27 monthly for cats. It also ranks higher on customer service and coverage, including direct payments to vets for covered claims.
Compare other major pet insurance companies to determine the best choice for your pet:
Compare Fetch and Pets Best pet insurance through these common questions:
Pets Best outperforms Fetch across all categories in our analysis, making it the better option for pet insurance. Pets Best provides more affordable premiums, better customer service and more comprehensive coverage, with the standout feature of paying vets directly for covered claims.
Pets Best is cheaper than Fetch across all 50 states and every pet age category. Middle-aged cats cost $27 per month with Pets Best versus Fetch's $45. The gap is wider for middle-aged dogs, with Pets Best at $53 compared to Fetch's $103 per month.
Pets Best ranks second nationally for coverage versus Fetch's third for both cats and dogs. It also has shorter waiting periods for accidents and illnesses and pays vets directly for covered claims, which Fetch doesn't. Both providers cover parasite prevention only through optional wellness plans and exclude parasite treatment.
Both providers accept senior pets with no upper age limits. Pets Best costs less for older animals, with senior dog coverage running 56% less than Fetch and senior cat coverage 50% less.
Fetch scores 4.5 out of 5.0 on Trustpilot versus Pets Best's 3.6, with customers crediting fast claim processing. Pets Best users appreciate its straightforward plans but mention slow reimbursements and website issues. Reddit sentiment runs 70% positive for Pets Best compared to 8% for Fetch, with users pointing to reliable reimbursements and smooth claim approvals.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
