Spot vs. Fetch Pet Insurance

Fetch provides better pet insurance coverage for both cats and dogs than Spot, ranking third nationally while Spot ranks eighth. Fetch offers more flexible deductible options ranging from $100 to $1,000, higher annual coverage limits up to unlimited, and competitive reimbursement rates of 70% to 90%, while both providers maintain similar accident waiting periods of 15 days and allow coverage adjustments within the first 30 days of enrollment.

Spot is the best pet insurance company in 3 states for cats and 4 states for dogs. The company leads cat coverage in California, Florida and Massachusetts. For dog insurance, Spot ranks first in California, Florida, Maryland and West Virginia.

Spot offers more affordable pet insurance than Fetch across all age groups for both cats and dogs. Middle-aged dogs cost $49 per month with Spot compared with Fetch's $103 per month. For cats, it's $30 with Spot versus $45 with Fetch.

Learn how much pet insurance costs across different age categories.

Spot offers the cheapest pet insurance in nearly every state, leading across all categories including middle-aged dogs and cats. Fetch only beats Spot's pricing in one state for kittens.

Spot offers more pet insurance discounts than Fetch, giving pet owners more opportunities to lower monthly premiums. Spot provides savings through multi-pet, partner and employer programs, while Fetch focuses on specific groups like military members and AARP participants.

Spot delivers better customer experience than Fetch, ranking second nationally for both dogs and cats compared to Fetch's eighth place ranking. Both companies maintain A+ BBB ratings, but Spot's stronger Trustpilot performance gives it the edge. The six-rank difference in national standings reflects Spot's more consistent customer service across claims processing and support interactions.

Fetch offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Fetch 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.

Both providers offer optional wellness plan choices that help cover preventive care like exams, vaccines, and dental cleanings. Spot keeps its options simple with two wellness tiers, while Fetch’s plan includes broader holistic coverage and virtual vet benefits.

Spot offers two wellness plan add-ons:

• Gold Wellness Plan: Covers dental cleaning, routine exams, vaccines, fecal tests, deworming, and heartworm tests with up to $250 in annual benefits.
• Platinum Wellness Plan: Includes all Gold benefits plus spay/neuter, blood tests, health certificates, urinalysis, and flea or heartworm prevention with higher reimbursement limits.

Fetch offers one wellness and preventive care add-on:

• Fetch Wellness Add-on: Covers annual wellness exams, dental cleaning, vaccines, spay/neuter, and blood tests.
• Holistic Therapy Add-on: Offers coverage for acupuncture, hydrotherapy, chiropractic care, and physical therapy for recovery after accidents or surgery.

Spot beats Fetch overall, delivering better affordability, customer service and overall value. Spot's rates start at just $49 per month for middle-aged dogs and $30 for cats, making quality coverage accessible for most pet owners. Spot also provides superior customer service, earning a 4.7 out of 5.0 Trustpilot rating and an A+ BBB rating. However, Fetch offers more comprehensive coverage options for pet owners who prioritize extensive benefits over cost savings.

Compare Spot and Fetch pet insurance through these common questions:

Our evaluation of Spot versus Fetch pet insurance analyzed both providers under identical conditions to ensure fair comparison. We collected quotes using the same pet profiles and policy specifications for accurate pricing assessment.

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

MoneyGeek evaluated both companies using three key factors weighted by their importance to pet owners.

Affordability (50% of score): We obtained quotes across multiple pet ages and coverage options to assess real-world pricing, including available discounts that affect actual premium costs.

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

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