Top 7 Dog Insurance Plans in the USA (2026): Compare Prices, Coverage & Real Reviews

4. Fetch by The Dodo (formerly Petplan)

• Best for: Holistic and detailed coverage
• Monthly Premium: $20 to $75
• Reimbursement Rate: Up to 90%
• Deductible: $250 to $500
• Coverage Highlights: Accidents, illnesses, exam fees, boarding fees, holistic treatments
• Annual Limit: Customizable
• Waiting Period: 15 days for illness/accidents

Why Fetch Stands Out

Fetch by The Dodo—previously known as Petplan—is one of the most comprehensive pet insurance providers on the market. It’s designed for pet parents who want detailed, holistic coverage that goes beyond the basics of accidents and illnesses.

Unlike some competitors, Fetch covers exam fees, which can be a significant out-of-pocket cost with other insurers. It also provides coverage for boarding fees if you’re hospitalized and can’t care for your pet, as well as advertising and reward costs if your pet gets lost. On top of that, Fetch includes virtual vet visits, a modern perk that saves time and stress for both pets and owners.

While premiums tend to be slightly higher than budget providers, the extra features and holistic approach often justify the cost for owners who want thorough protection.

Pros of Fetch

• Virtual Vet Visits Included: Convenient for emergencies or routine concerns.
• Covers Boarding Fees: Helps with pet care if you’re hospitalized.
• Lost Pet Benefits: Covers advertising and rewards if your pet goes missing.
• Holistic Treatments: Includes coverage for alternative therapies.
• Customizable Annual Limits: Adjust coverage to fit your financial comfort zone.

Cons of Fetch

• Slightly Higher Premiums: Can be more expensive compared to providers like Spot or Embrace.
• 15-Day Waiting Period: Similar to many competitors, but longer than insurers offering 2–5 day accident coverage.

Cost Example

A 4-year-old Golden Retriever may cost around $55–$65 per month, while a smaller breed like a Poodle could be around $25–$35 per month. Premiums depend on breed, location, and annual limit selection.

Ideal For

Fetch is best for pet parents who:

• Want detailed and holistic coverage that includes extras like exam fees, boarding, and virtual vet visits.
• Value lost pet protection, including advertising and rewards.
• Prefer flexibility with customizable annual limits.
• Don’t mind paying slightly higher premiums for a more robust policy.

Fetch by The Dodo offers some of the most well-rounded coverage available, extending beyond the standard accident and illness model. With extras like virtual vet visits, boarding coverage, and lost pet advertising, it’s an excellent choice for owners seeking peace of mind with comprehensive protection. While premiums are higher than some competitors, the added benefits make it a strong option for thorough, holistic care.