Fetch vs. Spot

Fetch vs. Spot

Fetch
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General info
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General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
Routine care
Emergency Visits
Regular Vet Visits
Specialist Consultations
Medication
Hospitalization & surgery
Hospitalization
Ambulance Services
Surgery
Lab care & imaging
Imaging
Lab Tests
Radiotherapy
Dentition
Dental Care
Teeth Cleaning
Prevention & specific care
Vaccinations
Anti-Parasitics
Neutering (Dog)
Neutering (Cat)
Identification
Additional guarantees
Lifetime Coverage
Waiting Period (Accident)
Waiting Period (Illness)
Hygiene
Alternative Therapies
Foreign Care
Death
Cremation
Euthanasia
Loss/Theft
Boarding Fees
Fetch - Fetch - Fetch Pet Insurance
FetchFetch Pet Insurance
Fetch - Fetch - AARP Pet Insurance by Fetch
FetchAARP Pet Insurance by Fetch
Spot Pet Insurance - Spot - Accident & Illness Plan
SpotAccident & Illness Plan
Spot Pet Insurance - Spot - Accident-Only Plan
SpotAccident-Only Plan
Spot Pet Insurance - Spot - Preventive Care Gold
SpotPreventive Care Gold
Spot Pet Insurance - Spot - Preventive Care Platinum
SpotPreventive Care Platinum
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Covered
Annual health check required
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Full dental illness/accident
Not covered
Not covered
Not covered
Not covered
Not covered
N.C.
N.C.
5 days
15 days
Not covered
Covered
Covered
Covered
N.C.
Not covered
Covered
Covered
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Included
Included
Included
Prescribed meds & supplements covered
Included
N.C.
Included
Included
Included
N.C.
Included
Covered in wellness add-on
Wellness add-on only
Not covered
Wellness add-on only
Wellness add-on only
N.C.
N.C.
15 days
15 days
Not covered
Included
N.C.
Included
N.C.
Included
Included
Included
Accident & Illness
Dogs & Cats
Up to 90%
Custom per policy
up to $1,000
From 8 weeks
From 8 weeks
N.C.
~2 business days
Accident & Illness
Dogs & Cats
Up to 90%
Custom per policy
up to $1,000
From 8 weeks
From 8 weeks
N.C.
~2 business days
Covered
Not covered
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
Covered
Covered
Not covered
Not covered
Not covered
Not covered
Not covered
Microchip implantation covered
Yes
14 days
14 days
Not covered
Covered
USA, Canada, territories only
Not covered
Covered
Covered
Not covered
Not covered
Accident Only
Dogs & Cats
N/A
N/A
N/A
From 8 weeks
From 8 weeks
No
~2 business days
Accident Only
Dogs & Cats
N/A
N/A
N/A
From 8 weeks
From 8 weeks
No
~2 business days
Yes
No
Yes
Yes
Yes
N.C.
Yes
Yes
Yes
N.C.
Extractions
No
No
No
No
No
Microchip only
Yes
14 days
N.C.
No
Yes
USA, Canada only
No
Yes
Yes
No
No
Preventive care
Dog, Cat
Actual cost up to annual limit
$50–$100/act
N/A
8 weeks min
8 weeks min
N.C.
N.C.
Preventive care
Dog, Cat
Actual cost up to annual limit
$50–$100/act
N/A
8 weeks min
8 weeks min
N.C.
N.C.
N.C.
$50/year
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
$20/year
N.C.
$100/year
$100/year
$20/year/vaccine
$20/year
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
N.C.
Preventive Care Option
Dogs and Cats
N/A
Per-act limits
None
From 8 weeks
From 8 weeks
None required
N.C.
Preventive Care Option
Dogs and Cats
N/A
Per-act limits
None
From 8 weeks
From 8 weeks
None required
N.C.
Not covered
Annual wellness exam covered
Not covered
Not covered
Not covered
Not covered
Spay/Neuter covered
Not covered
Several covered
Not covered
Dental cleaning covered
Covered
Multiple vaccines covered
Tick, flea, heartworm prevention
Covered
Covered
Not covered
N.C.
None
None
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Fetch
Fetch Pet Insurance
Fetch
AARP Pet Insurance by Fetch
Spot
Accident & Illness Plan
Spot
Accident-Only Plan
Spot
Preventive Care Gold
Spot
Preventive Care Platinum
Coverage Type
Accident & Illness
Accidents & illnesses
Accident & Illness
Accident Only
Preventive care
Preventive Care Option
Covered Pets
Dogs & Cats
Dogs & cats
Dogs & Cats
Dogs & Cats
Dog, Cat
Dogs and Cats
Reimbursement Rate
Up to 90%
70%, 80%, or 90%
Up to 90%
N/A
Actual cost up to annual limit
N/A
Annual Coverage Limit
From $5,000 to unlimited
$10,000 or unlimited
Custom per policy
N/A
$50–$100/act
Per-act limits
Annual Deductible
Between $250 and $1,000
$200, $350, or $500
up to $1,000
N/A
N/A
None
Enrollment Age (Dog)
From 6 weeks
Min 6 weeks, no max
From 8 weeks
From 8 weeks
8 weeks min
From 8 weeks
Enrollment Age (Cat)
From 6 weeks
Min 6 weeks, no max
From 8 weeks
From 8 weeks
8 weeks min
From 8 weeks
Health Questionnaire
N.C.
Veterinary exam required
N.C.
No
N.C.
None required
Claim Reimbursement Time
As fast as 2 days
Avg 6 days (max 30)
~2 business days
~2 business days
N.C.
N.C.
Emergency Visits
Covered
Included
Covered
Yes
N.C.
Not covered
Regular Vet Visits
Annual health check required
Included
Not covered
No
$50/year
Annual wellness exam covered
Specialist Consultations
Covered
Included
Covered
Yes
N.C.
Not covered
Medication
Covered
Prescribed meds & supplements covered
Covered
Yes
N.C.
Not covered
Hospitalization
Covered
Included
Covered
Yes
N.C.
Not covered
Ambulance Services
N.C.
N.C.
N.C.
N.C.
N.C.
Not covered
Surgery
Covered
Included
Covered
Yes
N.C.
Spay/Neuter covered
Imaging
Covered
Included
Covered
Yes
N.C.
Not covered
Lab Tests
Covered
Included
Covered
Yes
$20/year
Several covered
Radiotherapy
N.C.
N.C.
Covered
N.C.
N.C.
Not covered
Dental Care
Full dental illness/accident
Included
Covered
Extractions
$100/year
Dental cleaning covered
Teeth Cleaning
Not covered
Covered in wellness add-on
Not covered
No
$100/year
Covered
Vaccinations
Not covered
Wellness add-on only
Not covered
No
$20/year/vaccine
Multiple vaccines covered
Anti-Parasitics
Not covered
Not covered
Not covered
No
$20/year
Tick, flea, heartworm prevention
Neutering (Dog)
Not covered
Wellness add-on only
Not covered
No
N.C.
Covered
Neutering (Cat)
Not covered
Wellness add-on only
Not covered
No
N.C.
Covered
Identification
N.C.
N.C.
Microchip implantation covered
Microchip only
N.C.
Not covered
Lifetime Coverage
N.C.
N.C.
Yes
Yes
N.C.
N.C.
Waiting Period (Accident)
5 days
15 days
14 days
14 days
N.C.
None
Waiting Period (Illness)
15 days
15 days
14 days
N.C.
N.C.
None
Hygiene
Not covered
Not covered
Not covered
No
N.C.
Not covered
Alternative Therapies
Covered
Included
Covered
Yes
N.C.
Not covered
Foreign Care
Covered
N.C.
USA, Canada, territories only
USA, Canada only
N.C.
Not covered
Death
Covered
Included
Not covered
No
N.C.
Not covered
Cremation
N.C.
N.C.
Covered
Yes
N.C.
Not covered
Euthanasia
Not covered
Included
Covered
Yes
N.C.
Not covered
Loss/Theft
Covered
Included
Not covered
No
N.C.
Not covered
Boarding Fees
Covered
Included
Not covered
No
N.C.
Not covered

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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