Spot provides better pet insurance than Fetch overall, ranking second for cats and sixth for dogs, while Fetch finishes 10th and 11th, respectively. 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: January 22, 2026
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Spot vs. Fetch Pet Insurance: Key Takeaways
Spot offers more affordable pet insurance rates, charging $30 monthly for middle-aged cats and $49 monthly for dogs, while Fetch costs $45 and $103 respectively.
Spot outperforms Fetch in customer experience, with a 4.7 out 5.0 Trustpilot score, 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, offering lower monthly premiums whether you're insuring a kitten or a senior dog. The savings gap widens as pets age—Spot costs 61% less for senior dogs compared to Fetch, translating to $187 monthly savings.
- Kittens: Spot costs $14 monthly compared to Fetch's $14, saving you 3% ($0.47 per month).
- Young cats: You'll pay $19 monthly with Spot versus $23 with Fetch, cutting costs by 15% and saving $4 monthly.
- Middle-aged cats: Spot charges $30 per month while Fetch costs $45, delivering 33% savings ($15 monthly difference).
- Senior cats: Fetch charges $135 monthly compared to Spot's $72 rate, meaning Spot saves you 46% ($63 per month).
- Puppies: Spot's $25 monthly premium beats Fetch's $45 rate by 44%, saving you $20 each month.
- Young dogs: With Spot at $32 monthly versus Fetch at $60, you save 47% ($28 per month).
- Middle-aged dogs: Spot costs $49 monthly while Fetch charges $103, offering 53% savings ($54 monthly).
- Senior dogs: The largest gap appears here, with Spot's $118 monthly rate compared to Fetch's $305 saving you 61% ($187 monthly).
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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
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.
Spot vs. Fetch Pet Insurance Cost by State
Spot offers the cheapest pet insurance in all 50 states for both dog and cat age groups, maintaining its affordability advantage over Fetch nationwide.
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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 delivers superior customer service than Fetch, finishing second in our national ranking, while Fetch places sixth. Spot earns higher ratings across different platforms, from Trustpilot and the Better Business Bureau to Reddit, for its fast claim reimbursement and helpful representatives.
Spot vs. Fetch Trustpilot ratings
Spot earns a higher Trustpilot rating of 4.7 out of 5.0 compared to Fetch's 4.5 out of 5.0. 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, which 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 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 offers better pet insurance than Fetch, outperforming its competitor in affordability and customer experience. Spot's rates start at just $49 per month for middle-aged dogs and $30 per month for cats, providing 33% to 53% savings. Spot also maintains an A+ BBB rating and 4.7 out of 5.0 Trustpilot score. However, Fetch provides more comprehensive coverage for pet owners who prioritize extensive benefits over cost savings.
Compare other major pet insurance companies to determine the best choice 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 typically 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.