Spot provides better pet insurance than Fetch overall, ranking second for cats and sixth for dogs, while Fetch places 10th for cats and 11th for dogs. While this is the case, your best option may change based on priorities: Fetch beats Spot on coverage breadth, offering more comprehensive financial protection. Spot pulls ahead on cost and service, making it the better choice for budget-conscious pet owners who value responsive support.
Spot vs. Fetch Pet Insurance
Updated: March 16, 2026
Advertising & Editorial Disclosure
Spot vs. Fetch Pet Insurance: Key Takeaways
Spot charges $30 monthly for middle-aged cats and $49 monthly for middle-aged dogs. Fetch costs $45 and $103 for the same age groups.
Spot outperforms Fetch in customer experience, with a 4.7 out of 5 Trustpilot score, an A+ BBB rating and 45% positive sentiment on Reddit for its fast claim reimbursement and responsive customer service.
Fetch provides more comprehensive coverage than Spot, covering unique pet owner benefits such as boarding fees, vacation cancellation, and advertising and reward in its base policy.
Is Spot or Fetch Pet Insurance Better?
| Cat | Affordability | Spot | 4 | 12 |
| Dog | Affordability | Spot | 9 | 13 |
| Cat | Coverage | Fetch | 3 | 8 |
| Dog | Coverage | Fetch | 3 | 8 |
| Cat | Customer Experience | Spot | 2 | 6 |
| Dog | Customer Experience | Spot | 2 | 6 |
| Cat | Overall Score | Spot | 2 | 10 |
| Dog | Overall Score | Spot | 6 | 11 |
How We Decided the Winning Pet Insurance Provider
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.
Learn more about the best pet insurance options for your pet across different situations:
Spot and Fetch Comparison by State
Spot ranks as the best pet insurance company across the country for both dogs and cats, winning against Fetch in all 50 states.
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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.
Spot vs. Fetch Pet Insurance Cost
Spot beats Fetch on pet insurance costs across all age groups, with lower monthly premiums at every life stage. The gap grows as pets get older. For senior dogs, Spot runs $187 less per month, or 61% cheaper than Fetch.
- Kittens: Spot costs $14 per month and comes in slightly lower than Fetch (3%).
- Young cats: Spot is $19 monthly versus Fetch's $23, saving you $4 per month (15%).
- Middle-aged cats: Spot charges $30 monthly while Fetch costs $45, a $15 difference (33%).
- Senior cats: Spot is $72 monthly compared to Fetch's $135, saving you $63 per month (46%).
- Puppies: Spot's $25 monthly premium beats Fetch's $45 by $20 (44%).
- Young dogs: Spot is $32 monthly versus Fetch's $60, a $28 per month difference (47%).
- Middle-aged dogs: Spot costs $49 monthly while Fetch charges $103, saving you $54 each month (53%).
- Senior dogs: The widest gap is here. Spot's $118 monthly rate versus Fetch's $305 saves you $187 per month (61%).
Data filtered by:
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| Kittens | Spot | $14 | 3% |
| Young Cats | Spot | $19 | 15% |
| Puppies | Spot | $25 | 44% |
| Middle Aged Cats | Spot | $30 | 33% |
| Young Dogs | Spot | $32 | 47% |
| Middle Aged Dogs | Spot | $49 | 53% |
| Senior Cats | Spot | $72 | 46% |
| Senior Dogs | Spot | $118 | 61% |
How We Decided the Winning Pet Insurance Provider
Rates reflect average monthly premiums for Labrador Retrievers and Ragdolls from under 1 year old through age 20, across all 50 states.
Spot vs. Fetch Pet Insurance Cost by State
Spot has the cheapest pet insurance across all 50 states for both dogs and cats at every age group, coming in below Fetch in every state.
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Middle Aged Dogs
| Alabama | Spot | $36 | 53% |
| Alaska | Spot | $48 | 53% |
| Arizona | Spot | $59 | 53% |
| Arkansas | Spot | $33 | 52% |
| California | Spot | $61 | 53% |
| Colorado | Spot | $61 | 53% |
| Connecticut | Spot | $56 | 53% |
| Delaware | Spot | $49 | 53% |
| Florida | Spot | $55 | 53% |
| Georgia | Spot | $44 | 53% |
| Hawaii | Spot | $49 | 53% |
| Idaho | Spot | $49 | 53% |
| Illinois | Spot | $60 | 53% |
| Indiana | Spot | $44 | 53% |
| Iowa | Spot | $41 | 53% |
| Kansas | Spot | $44 | 53% |
| Kentucky | Spot | $39 | 53% |
| Louisiana | Spot | $39 | 53% |
| Maine | Spot | $59 | 53% |
| Maryland | Spot | $48 | 53% |
| Massachusetts | Spot | $63 | 53% |
| Michigan | Spot | $49 | 53% |
| Minnesota | Spot | $51 | 53% |
| Mississippi | Spot | $41 | 53% |
| Missouri | Spot | $38 | 53% |
| Montana | Spot | $41 | 53% |
| Nebraska | Spot | $44 | 53% |
| Nevada | Spot | $50 | 53% |
| New Hampshire | Spot | $56 | 53% |
| New Jersey | Spot | $55 | 53% |
| New Mexico | Spot | $43 | 53% |
| New York | Spot | $53 | 53% |
| North Carolina | Spot | $43 | 53% |
| North Dakota | Spot | $37 | 53% |
| Ohio | Spot | $45 | 53% |
| Oklahoma | Spot | $41 | 53% |
| Oregon | Spot | $61 | 53% |
| Pennsylvania | Spot | $51 | 53% |
| Rhode Island | Spot | $43 | 53% |
| South Carolina | Spot | $46 | 53% |
| South Dakota | Spot | $43 | 53% |
| Tennessee | Spot | $45 | 53% |
| Texas | Spot | $52 | 53% |
| Utah | Spot | $47 | 53% |
| Vermont | Spot | $45 | 53% |
| Virginia | Spot | $52 | 53% |
| Washington | Spot | $56 | 53% |
| West Virginia | Spot | $42 | 53% |
| Wisconsin | Spot | $52 | 53% |
| Wyoming | Spot | $45 | 53% |
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.
Spot vs. Fetch Pet Insurance Discounts
Spot and Fetch have the same number of pet insurance discounts, each providing three ways to save on premiums. Spot wins for multi-pet households with 10% off each additional pet, while Fetch is the better choice for military families with its 10% military discount. Both match on employer group plans at 10% savings, as well as association discounts.
Multiple pets | Save 10% on each additional pet's premium when you insure multiple pets. | None. |
Association/Membership | Get 10% off if you're a member of American Automobile Association (AAA) or Blue Cross Blue Shield. | AARP members who enroll through the AARP benefit page receive 10% savings. |
Employer group plan | 10% off for joining a participating employer's group plan. | Get 10% off when you sign up with a participating employer's group plan. |
Military | None. | Active military members and veterans save 10% when they enroll with proof of service. |
Spot vs. Fetch Pet Insurance Customer Experience
Spot outperforms Fetch on customer service, ranking second nationally while Fetch places sixth. Spot earns higher ratings across Trustpilot, the Better Business Bureau and Reddit for fast claim reimbursement and helpful representatives.
Spot vs. Fetch Trustpilot ratings
Spot earns a higher Trustpilot rating of 4.7 out of 5 compared to Fetch's 4.5 out of 5. Customers praise both companies for fast claim processing and helpful service, though Spot reviewers highlight quicker reimbursement times while Fetch users appreciate knowledgeable representatives. Common complaints center on pre-existing condition denials for both providers, with some customers frustrated by coverage exclusions and premium increases at renewal.
Spot vs. Fetch BBB ratings
Spot holds an A+ BBB rating, while Fetch earns an A rating. The A+ designation means Spot has fewer customer complaints relative to its business size and consistently resolves issues, while Fetch's A rating reflects 198 filed complaints but still demonstrates responsive problem-solving.
Spot vs. Fetch Pet Insurance Reddit Sentiment
Spot receives much stronger Reddit support with 45% positive sentiment from 29 comments versus Fetch's 8% positive feedback from 13 comments. Reddit users praise Spot for fast claim reimbursement and responsive customer service, while Fetch reviewers express frustration with denied claims and coverage gaps.
Spot vs. Fetch Pet Insurance Coverage
Fetch offers better pet insurance coverage for dogs and cats, leading ahead of Spot by five spots in our study. Although Fetch has longer waiting periods for accidents and illnesses, it wins by including pet owner benefits like boarding fees and vacation cancellation in its base policy, which Spot excludes.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $250 to $2,500 | |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $5,000, $10,000, $15,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents, illnesses and orthopedic conditions | 15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | |
Age restrictions | No upper age limits for enrollment | No upper age limits for enrollment |
Pre-existing conditions | Curable pre-existing conditions may be covered after 180 symptom-free days | Curable pre-existing conditions may be covered if cured and symptom-free for 365 days |
Pet owner benefits | Excludes benefits like boarding fees, vacation cancellation costs or advertising and rewards in its base policy | Reimburses the cost of advertising and reward, pet loss due to theft or straying, boarding fees and vacation cancellation through its standard coverage |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Fetch Pet Insurance Add-ons
Both Spot and Fetch offer a wellness plan as an optional add-on, though Spot only has two tiers, while Fetch has three.
- Gold Wellness Plan: Reimburses up to $250 annually for dental cleaning, routine exams, vaccines, fecal tests, deworming, and heartworm tests.
- Platinum Wellness Plan: Includes all Gold benefits, plus spaying/neutering, blood tests, health certificates, urinalysis, and flea or heartworm prevention with higher benefit limits.
- Essentials: Covers basic preventive care like annual exams, vaccinations, flea prevention, heartworm testing, dental cleanings and spay/neuter procedures with a $315 annual limit.
- Advantage: Builds on Essentials coverage with a $520 annual limit and adds microchipping and anal gland expression to the covered services list.
- Prime: Offers the highest coverage at $735 annually and pays up to $250 for spay/neuter procedures and dental cleaning combined.
Spot vs. Fetch Pet Insurance: Bottom Line
Spot beats Fetch on both price and customer experience. Its rates start at $49 monthly for middle-aged dogs and $30 monthly for middle-aged cats, running 33% to 53% less than Fetch. Spot also holds an A+ BBB rating and a 4.7 out of 5 Trustpilot score. Fetch costs more but covers a broader range of benefits, which may suit owners who want more extensive coverage.
See how other leading pet insurance companies compare to find the right fit for your pet:
Spot vs. Fetch Pet Insurance Comparison: FAQ
Compare Spot and Fetch pet insurance through these common questions:
What's the difference between Spot and Fetch pet insurance?
Spot ranks higher overall with stronger affordability and customer experience scores, while Fetch leads in coverage breadth. Spot costs less across all pet ages and wins in customer service with a 4.7 Trustpilot rating and A+ BBB rating compared to Fetch's 4.5 and A ratings. Fetch offers more comprehensive coverage options with unique benefits like lost pet advertising and boarding fee reimbursement.
Is Spot or Fetch pet insurance cheaper?
Spot offers cheaper pet insurance in all 50 states for both dogs and cats across every age category. Monthly premiums with Spot range from $14 for kittens to $118 for senior dogs, saving pet owners 3% to 61% compared to Fetch's rates.
Which is better: Spot or Fetch pet insurance for puppies and kittens?
Spot provides better value for puppies and kittens with lower monthly premiums and stronger customer experience ratings. Kittens cost $14 monthly with Spot compared to $14 with Fetch (saving 3%), while puppies cost $25 monthly with Spot versus $45 with Fetch (saving 44%).
Does Spot or Fetch cover pre-existing conditions?
Spot usually covers curable pre-existing conditions after 180 consecutive symptom-free days, while Fetch requires 12 months without symptoms for non-chronic conditions to qualify for coverage.
Which offers better coverage: Spot vs Fetch pet insurance?
Fetch ranks third nationally for coverage options compared to Spot's eighth-place ranking, offering more comprehensive benefits. Fetch includes unique coverages like lost pet advertising, boarding fees and vacation cancellation, while Spot provides strong standard accident and illness protection.
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.
sources
- Trustpilot. "Spot Pet Insurance ." Accessed March 24, 2026.
- Trustpilot. "Fetch Pet Insurance ." Accessed March 24, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed March 24, 2026.
- Better Business Bureau. "Fetch Pet Insurance." Accessed March 24, 2026.