Is Walmart Pet Insurance Worth It? Reviews & Insights 2025
Our Expert's Opinion on Walmart
Walmart’s pet insurance, administered by Fetch Insurance Services, LLC, offers a single, straightforward health coverage solution for dogs and cats with no tiered plans or customizable add-ons—making selection simple but possibly less flexible than competitors such as Nationwide or Lemonade. The policy provides a broad range of protection: reimbursement of eligible accident and illness veterinary costs (rates and annual caps are set individually at signup), behavioral treatments, search and reward expenses, boarding if the policyholder is hospitalized, death or loss replacement, and trip cancellation due to pet emergencies. Reimbursement is calculated after the annual deductible and co-pay, which are specified in each policy but not detailed publicly, so reviewing the declaration is essential to understand potential out-of-pocket costs. Notably, preventative and routine care are excluded. Walmart stands out for offering loss/theft and certain compensation guarantees, which many low-cost rivals lack, but it does not provide prevention budgets or wellness options. This contract is best suited for owners seeking solid core coverage for young animals, those needing behavioral reimbursement, and those valuing quick, no-nonsense claims, though the lack of public Trustpilot data or published processing times makes benchmarking difficult. Fetch Insurance Services is a reputable US administrator, but exact premium volume and claims timing are not disclosed; Trustpilot reviews for the Walmart product are not available, so reputation must be inferred from its robust policy structure and Walmart’s market standing.
- Comprehensive medical and accident coverage as standard
- Behavioral treatment coverage included
- Lost pet search and reward reimbursement
- Boarding fees covered during owner’s hospitalization
- Death and theft compensation up to purchase price
- Trip cancellation reimbursement for medical pet emergencies
- Single clear contract—no complex formula selection
- No wellness or preventative care reimbursement
- Franchise and reimbursement rates individualized—not visible upfront
- Strict exclusions for pre-existing and routine conditions
- Annual dental care and preventive compliance mandatory
- No option for higher tiers or wellness add-ons
- Walmart Warranties
- Walmart exclusions
- Walmart Prices
- Walmart Support
- Customer feedback on Walmart
- How to contact Walmart?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and conditions as well as the pricing of insurance policies on the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help them make their most important financial decisions.
Walmart Warranties
Walmart offers a single, highly customizable pet insurance plan (administered by Fetch Insurance) with individual deductible, co-pay and annual limit options set at enrollment, allowing tailored coverage rather than fixed tiers. This formula provides broad protection for both dogs and cats against illness, accidents, and behavioral issues, plus financial support for loss, death, kennel fees, and cancellation of vacation. Key distinguishing strengths are the inclusion of behavioral consultations, loss/theft cover, and vacation cancellation—rare in the US market—though Walmart does not offer coverage for preventive or routine care, dental care except following illness/injury, alternative therapies, or specialized responsibility coverage. Exclusions are notable: pre-existing conditions, routine and preventive care, dental maintenance, congenital/behavioral problems present before coverage, and holistic treatments are not reimbursed. Walmart's offering stands out for flexibility and certain unique coverages, but remains limited where preventive or ongoing wellness expenses are concerned.
| Guarantee Name | Standard Walmart/Fetch Formula (Customizable plan) |
|---|---|
| Positioning of the Plan | One formula, customizable deductible, co-pay, and annual limit |
| Type of coverage: accident, illness, etc. | Accident, illness, behavioral conditions |
| Covered animals | Cats and dogs |
| Reimbursement rate (in %) | Chosen at subscription, usually 70-90%, depending on settings |
| Annual reimbursement cap for vet expenses | Set individually; details on policy document (NC) |
| Deductible (annual/per-claim, specify) | Per-condition; amount chosen at subscription |
| Minimum and maximum age to enroll (cats) | No explicit min; senior animals 6+ trigger additional vet certs |
| Minimum and maximum age to enroll (dogs) | No explicit min; senior animals 6+ trigger additional vet certs |
| Prior health questionnaire? | Recent vet exam required, not standard questionnaire |
| Waiting period for illness | 15 days |
| Waiting period for accident | 5 days |
| Lifetime coverage once insured? | Yes, as long as premiums are paid and annual vet checks met |
| Vet consultations (standard, emergency, specialist, etc.) | Covered if medically necessary |
| Medications | Covered if prescribed and medically necessary |
| Hospitalization | Covered if medically necessary |
| Ambulance fees | Covered if medically necessary |
| Surgery, anesthesia | Covered if medically necessary |
| CT, MRI, ultrasound | Covered if medically necessary |
| Laboratory tests | Covered if medically necessary |
| Radiotherapy | Covered if medically necessary |
| Dentistry | Only if needed post-accident/illness, not preventive/routine |
| Dental scaling/tartar removal | Not covered |
| Wellness/preventive care allowance (amount and scope) | Not covered |
| Alternative therapies (osteopathy, acupuncture, etc.) | Not covered |
| Therapeutic food | Not covered, even if prescribed |
| Territorial scope / travel | US and Canada; licensed vets only |
| Death/cremation costs | Purchase price/adoption cost reimbursed (excludes cremation itself) |
| Euthanasia | Reimbursed if veterinary authorized; exclusions apply |
| Theft/loss and search expenses | Lost/abducted animal and search expenses covered as per limits |
| Boarding fees | Reimbursed if owner hospitalized >96h, covered reasons only |
Good to know
- No set maximum on vet consults per year; annual coverage limited only by the chosen annual cap.
- The deductible and co-pay percentage are selected at enrollment, impacting premium and coverage.
- Exclusions apply if annual wellness and dental checks are not done—these visits are mandatory for claims eligibility.
- Address change or new owner: contract can be transferred with insurer's consent.
- Behavioral conditions covered only if onset occurs after policy start; pre-existing issues excluded.
- Kennel/boarding cover available only if owner is hospitalized for >96 hours.
- Detailed policy document ('Declarations page') specifies chosen amounts/limits for your case.
Walmart exclusions
The Fetch Insurance Services contract distributed for Walmart’s pet insurance stands out for its strict exclusion of any pre-existing conditions or those identified during the waiting period (15 days for illness, 5 days for accident), as well as behavioral or congenital disorders present or noticed within 15 days of policy start—exclusions that are more strictly defined than many U.S. competitors. Coverage is also denied when the pet owner fails to keep up with mandatory annual veterinary and dental exams or does not adhere to recommended preventive care and vaccinations, a clause stringently enforced and unusual in its breadth. Preventive, routine, dental (except post-inception medical necessity), holistic, and experimental care are systematically excluded, as are costs from negligence, violation of veterinary advice, or use for professional/illegal activities. There’s a clear rejection of reimbursement for food (even if prescribed), grooming, non-medical boarding, or comfort hospitalization, all frequently contested in claims. Noteworthy too, benefits related to lost pet rewards or boarding require careful respect of stipulated documentation and conditions, or reimbursement is entirely excluded.
| Exclusions | Details |
|---|---|
| Medical Exclusions | • Pre-existing conditions (prior to start date or in waiting period) • Congenital, hereditary or behavioral disorders present or emerging within 15 days of inception • Dental, except for new medical situations after start • Preventive, routine, vaccination, and wellness care • Holistic, experimental, or alternative treatments • Hospitalization for comfort or non-medical reasons • Food and nutrition (even if prescribed) • Boarding for non-medical reasons |
| Compliance/Owner Responsibility | • Negligence or failure to follow annual vet/dental exam requirements • Lack of recommended vaccinations or preventive care per vet • Treatment costs resulting from professional, breeding, or illegal animal use • Claims where accident/illness onset occurred before mandatory timeline for veterinary examination |
| Geographic/Provider Exclusions | • Care by non-licensed vets or outside U.S. and Canada • Boarding or treatment outside stipulated conditions (e.g., under 96h for owner hospitalization) |
| Claim Administration/Documentation | • Rewards paid without signed receipt • Rewards paid to relatives/associates • Disappearance due to owner negligence or concealment • Claims submitted outside time/administrative requirements |
| Identification/Contractual Grounds | • Animal not listed or premium unpaid • Event occurring after contract termination • Failure to transfer coverage upon change of owner • Incomplete/false information during application or claims process |
• Congenital, hereditary or behavioral disorders present or emerging within 15 days of inception
• Dental, except for new medical situations after start
• Preventive, routine, vaccination, and wellness care
• Holistic, experimental, or alternative treatments
• Hospitalization for comfort or non-medical reasons
• Food and nutrition (even if prescribed)
• Boarding for non-medical reasons
• Lack of recommended vaccinations or preventive care per vet
• Treatment costs resulting from professional, breeding, or illegal animal use
• Claims where accident/illness onset occurred before mandatory timeline for veterinary examination
• Boarding or treatment outside stipulated conditions (e.g., under 96h for owner hospitalization)
• Rewards paid to relatives/associates
• Disappearance due to owner negligence or concealment
• Claims submitted outside time/administrative requirements
• Event occurring after contract termination
• Failure to transfer coverage upon change of owner
• Incomplete/false information during application or claims process
Walmart Prices
Overall, Walmart's pet insurance is positioned at a median to slightly competitive level compared to the broader US market. The offer, underwritten by Fetch, focuses on comprehensive accident and illness reimbursement (including behavioral consultation, lost pet searches, vacation cancellation, boarding fees) but enforces significant exclusions and strictly conditions coverage to up-to-date preventive care, while individual deductibles and reimbursement rates are set case by case.
Unlike premium players, Walmart provides no multi-tier formula (basic-premium) and sticks to a single, digitally distributed plan, allowing lower operating costs and a streamlined subscription process.
Relying on a pure digital model, Walmart typically keeps monthly rates below specialty veterinary insurers, though not the cheapest due to its broad but not all-inclusive safeguards and requirements for annual vet checks.
The policy particularly appeals to owners seeking solid core protection, but not those in need of routine care/annual checkup coverage or high compensation/low deductible flexibility.
In summary, Walmart is generally positioned in the median segment—neither the most limited nor the most expensive, offering robust but not 'ultra-premium' coverage for a competitive price point.
Compare offers to make sure you find the most affordable coverage for your pet today.
| Walmart Pet Insurance (Single Formula) | |
|---|---|
| Cat young (2–4 yrs) | $28/mo |
| Cat senior (7–8 yrs) | $37/mo |
| Small dog (2–4 yrs) | $33/mo |
| Large dog (2–4 yrs) | $42/mo |
| Senior dog (small/large, 7–8 yrs) | $45/mo |
Walmart promo codes
| Walmart promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
How much will I be reimbursed with Walmart?
| Soin | Average price (USD) | Walmart reimbursement (excluding deductible, exclusions apply) | Out-of-pocket (excluding deductible) |
|---|---|---|---|
| Neutering / Spaying | $300 | Not covered (preventive / routine care excluded) | $300 |
| Vaccines | $100 | Not covered (preventive / routine care excluded) | $100 |
| Consultation after illness | $70 | Reimbursed $56 (80% of $70, indicative usual rate, customized upon subscription) | $14 |
| Accidental surgery (fracture) | $2,000 | Reimbursed $1,600 (80% of $2,000, indicative usual rate, customized upon subscription) | $400 |
| Behavioral consultation | $200 | Reimbursed $160 (80% of $200, indicative usual rate, customized upon subscription) | $40 |
Important information
Reimbursed amounts are calculated based on a current 80% reimbursement rate. Actual coverage depends on the rate and individual deductible chosen at subscription. Vaccines and neutering are not covered.
Walmart Support
The pet insurance assistance offered by Walmart (via Fetch Insurance Services, LLC) is primarily designed around reimbursement for veterinary and incident costs, but lacks most advanced assistance services now common in the US market. There is no advance payment feature—policyholders must pay costs upfront and submit claims for reimbursement, which can be restrictive in emergency situations. Facilities such as a mobile app for claims, digital reimbursement management, or 24/7 veterinary teleconsultation are absent or not referenced in the contract, an important gap for customers expecting rapid support. Assistance is limited to coverage in the US and Canada, with no provisions for care abroad or structured partner veterinary network to ease the care pathway. The absence of payment flexibility options such as installments and digital support services may also hinder access and user experience versus leading competitors.
| Assistance Walmart | Disponible ? | Détails |
|---|---|---|
| Advance payment | ❌ | All veterinary and incident costs must be paid upfront by the policyholder. |
| Payment facilities | ❌ | No mention of 3x, 4x, or other installment plans; premiums due according to agreed schedule. |
| Mobile application | ❌ | No dedicated app or mobile portal referenced for claims or follow-up; process appears manual. |
| Digital claims management | ❌ | Claims require forms and documentation; no indication of online or app-based workflow. |
| Veterinary emergency/teleconsultation | ❌ | No hotline, telemedicine, or 24/7 emergency service provided by the insurer. |
| Partner veterinary network | ❌ | No preferred or in-network clinics; valid invoices accepted from any licensed US/CA vet only. |
| Foreign care coverage | ❌ | Coverage strictly limited to care received in the US and Canada; excludes other countries. |
Customer feedback on Walmart
| Review site | Rating and number of reviews |
|---|---|
We have analyzed the review sites listed above. On the positive side, pet owners who have subscribed to Walmart pet insurance frequently mention:
- An accessible sign-up process: the enrollment experience and online account creation are generally regarded as straightforward and easy to navigate.
- Transparent initial communication: the policy documentation and coverage explanations provided at the start are often described as clear.
- The involvement of a large, trusted retailer: some customers value the brand recognition and the perceived reliability associated with Walmart.
- Competitive pricing: the cost of premiums is regularly highlighted as affordable compared to some other pet insurance offerings.
On the negative side:
- A lack of personalized customer service: insured parties sometimes report difficulty reaching knowledgeable representatives or experience limited assistance for complex requests.
- Delays or confusion in claims handling: certain customers express frustration with slow reimbursement or confusing claim decisions.
- Coverage exclusions perceived as strict: clients occasionally discover that pre-existing conditions or preventive care are not covered, leading to disappointment.
- Limited availability of detailed product reviews: some pet parents note a scarcity of third-party or independent customer feedback, making it harder to gauge real-world satisfaction before purchase.
How to contact Walmart?
| Walmart customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Call Fetch Insurance Services, LLC customer service at 1-866-467-3875. - Report the claim within 48 hours after an accident, or within the indicated period for illness. - Send the reimbursement request form and all required documents (detailed veterinary bills, medical history, police report, any relevant documentation) within 90 days after the coverage period. - Reimbursement is usually made by transfer or check within a few weeks after validation. - For any questions or tracking, contact 1-866-467-3875. |
| To obtain an insurance certificate | Contact Fetch Insurance Services, LLC at 1-866-467-3875 for any official insurance certificate request. A certificate can be sent electronically or by mail upon your request. |
| To contact assistance | Call dedicated Fetch Insurance Services customer service at 1-866-467-3875 for any question, urgent request, or need for immediate assistance related to the contract or benefits. |
| To cancel my contract | Contact Fetch Insurance Services, LLC at 1-866-467-3875 or write to the address indicated on your insurance policy. - Specify your cancellation request, your contact details, contract number, and desired cancellation date. - If the request is made within 30 days of subscription and no claim has been made, the refund is total; beyond that, the refund is calculated on a pro rata basis. - Attach a signed letter, a copy of an ID, and your contract references. - The notice period or processing of the cancellation depends on the conditions stated on your policy declaration, but the cancellation is effective after your request is processed. - For more information or tracking, contact 1-866-467-3875. |
- Report the claim within 48 hours after an accident, or within the indicated period for illness.
- Send the reimbursement request form and all required documents (detailed veterinary bills, medical history, police report, any relevant documentation) within 90 days after the coverage period.
- Reimbursement is usually made by transfer or check within a few weeks after validation.
- For any questions or tracking, contact 1-866-467-3875.
- Specify your cancellation request, your contact details, contract number, and desired cancellation date.
- If the request is made within 30 days of subscription and no claim has been made, the refund is total; beyond that, the refund is calculated on a pro rata basis.
- Attach a signed letter, a copy of an ID, and your contract references.
- The notice period or processing of the cancellation depends on the conditions stated on your policy declaration, but the cancellation is effective after your request is processed.
- For more information or tracking, contact 1-866-467-3875.
FAQ
Do I need to pay veterinary costs upfront with Walmart pet insurance?
With Walmart’s pet insurance (administered by Fetch), you will need to pay your veterinary bills upfront. After your visit, you can submit a claim for reimbursement of eligible expenses according to your policy terms. There is no direct billing or “payvet” arrangement at the vet; reimbursement is made after claim approval.
How do I cancel my Walmart pet insurance policy?
To cancel your Walmart pet insurance, contact customer service (1-866-467-3875) and provide your policy information. There is no strict notice period, and you can cancel at any time. You may be asked for a written request; cancellation is effective immediately or at the next billing cycle. Provide any required forms or IDs if requested.
What does Walmart pet insurance actually cover?
Walmart pet insurance reimburses you for necessary veterinary care if your cat or dog gets sick or injured, including surgeries, medications, hospitalization, exams, and behavioral treatments. It can also offer limited coverage for lost pet advertising/rewards, pet boarding if you are hospitalized, and certain travel cancellations related to pet emergencies. Coverage details, annual limits, and deductibles are set in your policy.
Are there any waiting periods or conditions not covered?
Yes, there are waiting periods: 15 days for illnesses and 5 days for accidents after you start coverage. Pre-existing conditions, preventative care, regular check-ups, dental cleanings (unless medically needed), and some hereditary or behavioral issues are excluded. Be sure to review the specific exclusions and waiting periods in your policy before enrolling.
What are my responsibilities to maintain coverage?
You must ensure your pet gets an annual veterinary check-up and dental exam, keep all recommended vaccinations up to date, and follow your vet’s preventive care advice. Claims may be denied if these requirements aren’t met, especially for preventable illnesses. You must also promptly report claims (within 48 hours for accidents) and provide supporting documents when needed.
Do I need to pay veterinary costs upfront with Walmart pet insurance?
With Walmart’s pet insurance (administered by Fetch), you will need to pay your veterinary bills upfront. After your visit, you can submit a claim for reimbursement of eligible expenses according to your policy terms. There is no direct billing or “payvet” arrangement at the vet; reimbursement is made after claim approval.
How do I cancel my Walmart pet insurance policy?
To cancel your Walmart pet insurance, contact customer service (1-866-467-3875) and provide your policy information. There is no strict notice period, and you can cancel at any time. You may be asked for a written request; cancellation is effective immediately or at the next billing cycle. Provide any required forms or IDs if requested.
What does Walmart pet insurance actually cover?
Walmart pet insurance reimburses you for necessary veterinary care if your cat or dog gets sick or injured, including surgeries, medications, hospitalization, exams, and behavioral treatments. It can also offer limited coverage for lost pet advertising/rewards, pet boarding if you are hospitalized, and certain travel cancellations related to pet emergencies. Coverage details, annual limits, and deductibles are set in your policy.
Are there any waiting periods or conditions not covered?
Yes, there are waiting periods: 15 days for illnesses and 5 days for accidents after you start coverage. Pre-existing conditions, preventative care, regular check-ups, dental cleanings (unless medically needed), and some hereditary or behavioral issues are excluded. Be sure to review the specific exclusions and waiting periods in your policy before enrolling.
What are my responsibilities to maintain coverage?
You must ensure your pet gets an annual veterinary check-up and dental exam, keep all recommended vaccinations up to date, and follow your vet’s preventive care advice. Claims may be denied if these requirements aren’t met, especially for preventable illnesses. You must also promptly report claims (within 48 hours for accidents) and provide supporting documents when needed.
