Walmart Pet Insurance 2025: Comprehensive Review & What to Expect
Our expert's opinion on Walmart
Walmart pet insurance, underwritten by Fetch Insurance Services, LLC, offers broad coverage for dogs and cats in the US and Canada, with essential benefits including accident and illness care, behavioral consultations, and options for lost or stolen pets. The product is positioned in the mid-market, featuring individually set plans with flexible annual limits, deductibles, and co-pays, allowing customization but making it less transparent than leading digital-first or ultra-low-cost competitors; its main advantages are its comprehensive accident/illness structure and accessible pricing. Walmart insurance particularly suits owners of young to middle-aged pets with average health, those seeking reliable core coverage rather than high-end wellness extras, and pet parents of mixed or purebred animals alike, who prefer set annual or per-condition deductibles and need nationwide coverage. Fetch Insurance Services, LLC demonstrates operational strength with US regulatory compliance, but public data on written premium or revenue is limited; there is no Trustpilot score with over 100 reviews, but the average claims reimbursement time is around 30 days—comparable to most established US providers.
- ✅Comprehensive accident and illness coverage
- ✅Behavioral care including consultations
- ✅Lost or stolen pet reimbursement options
- ✅Flexible annual limits and deductibles
- ✅Available in all US states plus Canada
- ✅Covers both cats and dogs of various ages
- ✅Reimbursement for death and trip cancellation
- ❌No public pricing or plan overview at a glance
- ❌No published Trustpilot score
- ❌Wellness/preventive care excluded by default
- ❌Long waiting periods for illness claims
- ❌Strict pre-claim documentation requirements
Score- ✅Comprehensive accident and illness coverage
- ✅Behavioral care including consultations
- ✅Lost or stolen pet reimbursement options
- ✅Flexible annual limits and deductibles
- ✅Available in all US states plus Canada
- ✅Covers both cats and dogs of various ages
- ✅Reimbursement for death and trip cancellation
Our expert's opinion on Walmart
- ✅Comprehensive accident and illness coverage
- ✅Behavioral care including consultations
- ✅Lost or stolen pet reimbursement options
- ✅Flexible annual limits and deductibles
- ✅Available in all US states plus Canada
- ✅Covers both cats and dogs of various ages
- ✅Reimbursement for death and trip cancellation
- ❌No public pricing or plan overview at a glance
- ❌No published Trustpilot score
- ❌Wellness/preventive care excluded by default
- ❌Long waiting periods for illness claims
- ❌Strict pre-claim documentation requirements
Score- ✅Comprehensive accident and illness coverage
- ✅Behavioral care including consultations
- ✅Lost or stolen pet reimbursement options
- ✅Flexible annual limits and deductibles
- ✅Available in all US states plus Canada
- ✅Covers both cats and dogs of various ages
- ✅Reimbursement for death and trip cancellation
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies on the market each year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Americans trust us every month to help guide their most important financial decisions.
Walmart Guarantees
Walmart pet insurance, administered by Fetch Insurance Services LLC, provides customizable plans for dogs and cats that reimburse medically necessary accident and illness expenses, including vet visits, behavioral consults, and diagnostics.
Policies offer flexible reimbursement rates and annual limits, with deductibles tailored to your chosen coverage; preventive care, most dental procedures, and teleconsultations are excluded unless stated otherwise (N.C. for precise plan options).
Strengths include behavioral care, travel protection for the US and Canada, advertising and reward for lost or stolen pets, death and cremation coverage, and optional boarding fee reimbursement during your hospitalization.
Key limitations are strict exclusions for pre-existing conditions, most preventive care, congenital diseases with early signs, and age-based limits on death benefit payouts and illness coverage after a certain pet age.
Overall, Walmart stands out for a solid breadth of medical and incident coverage with a highly customizable structure, but full details including reimbursement percentages, caps, and available wellness options remain N.C. until quoting and plan selection.
| Name of coverage | Customizable Walmart Pet Insurance Plan |
|---|---|
| Plan positioning | Customizable medical and incident coverage |
| Type of coverage | Illness, accident, behavioral, theft, death |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | N.C. (set individually at enrollment) |
| Annual reimbursement limit | N.C. (set individually at enrollment) |
| Deductible (annual or per claim) | N.C. (plan-specific, per event/year) |
| Age limits for enrollment (for dogs/cats) | N.C. |
| Pre-enrollment health questionnaire | Recent vet exam required (≤12 months; stricter ≥6 years) |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 5 days |
| Lifetime coverage once subscribed | N.C. |
| Vet consultations (regular + emergency) | ✅ within reimbursement cap, medically necessary |
| Medications | ✅ prescription only, within reimbursement cap |
| Hospitalization | ✅ within reimbursement cap |
| Surgery (including anesthesia) | ✅ within reimbursement cap |
| Diagnostic tests (X-ray, MRI, ultrasound) | ✅ within reimbursement cap |
| Dental care (includes scaling/procedures) | ❌ most dental not covered (some exceptions, N.C.) |
| Preventive care package | ❌ unless stated in plan |
| Alternative medicine | ❌ unless performed by a vet and listed |
| Travel coverage (countries/duration) | ✅ USA and Canada |
| Civil liability | ❌ |
| Euthanasia | ✅ if authorized and medically justified |
| Death & cremation coverage | ✅ up to purchase price, adoption, or set max |
| Theft/loss of pet + search expenses | ✅ advertising/reward under conditions |
| Boarding fees (if owner hospitalized) | ✅ if hospitalized 96h+ per conditions |
Good to know
Claims must be submitted within 90 days of the policy period ending.
Maximums, reimbursement %, and copay levels are individually set at the time of purchase.
A recent veterinary certification is required for new policies; stricter if enrolling pets age 6 or older.
Compare Walmart pet insurance plan quotes to see which option best fits your budget and your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Walmart Exclusions
The Walmart pet insurance policy, administered by Fetch Insurance Services LLC, imposes a broad set of exclusions that notably extend beyond standard pre-existing conditions and waiting periods to include preventive care, most dental and cosmetic procedures, and any event occurring outside the US and Canada.
Particularly significant is the exclusion of all illnesses causing death in pets age 6 or older, certain behavioral conditions leading to death, and medical care related to pregnancy, breeding, or congenital issues if signs are documented before enrollment or during initial waiting periods.
Exclusions also apply to experimental and alternative treatments, travel expenses to the clinic, and care resulting from owner negligence, failure to follow veterinary advice, or participation in professional or dangerous activities.
Non-medically necessary or unauthorized euthanasia, organ transplants, and repeated removal of ingested foreign bodies are also specifically excluded, underscoring a much stricter approach to recurrent or high-cost treatments than commonly found with several competitors.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Age- and event-based |
|
| Geographic exclusions |
|
| Administrative exclusions |
|
| Professional/activity |
|
| Identification/coverage |
|
- Pre-existing conditions and those occurring during waiting periods
- Behavioral/congenital issues with pre-existing signs
- Most dental diseases (unless specified)
- Preventive/routine care and wellness
- Experimental or alternative treatments
- Prosthetic and organ transplants (unless validated)
- Repeated removal of ingested foreign objects
- Cosmetic, elective surgeries (e.g., ear/tail docking, sterilization)
- Medically unnecessary euthanasia
- Illness leading to death in pets aged 6+ years
- Boarding during owner hospitalization for non-eligible causes (e.g., childbirth, substance use)
- Scheduled surgeries and chronic follow-ups
- Multiple events involving the same pathology
- Any event occurring outside the US and Canada
- Epidemics, quarantines, or government seizure
- Failure to follow preventive or prescribed veterinary care
- Claims made after deadlines or incomplete documentation
- Owner negligence, fraud, or misrepresentation
- Injuries or illnesses sustained during professional/working/abusive activities
- Intentional abuse or neglect
- Participation in banned/restricted activities or races
- Pets under 6 weeks of age
- Failure to meet vaccination and preventive care requirements as per veterinary standards
Walmart Prices
Walmart’s pet insurance offering—administered by Fetch Insurance Services LLC—positions itself as a mid-range solution in the US market.
The coverage is broad for accident, illness, loss, and certain travel-related needs, but policies come with specific exclusions (notably for illnesses in senior pets and various routine/preventive care), and annual caps vary depending on individual underwriting.
Deductibles and reimbursement rates also align with industry averages, ensuring balanced out-of-pocket costs for most consumers.
Digital enrollment and claims management contribute to a streamlined user experience and may help reduce premiums compared to more traditional, non-digital insurers.
Overall, Walmart is a competitive option for pet owners seeking reliable coverage at a fair price, but not the most affordable for those who want only minimal protection.
| Main plan (Walmart by Fetch Insurance Services LLC) | |
|---|---|
| Young cat (2–4 years) | $22/month |
| Senior cat (7–8 years) | $34/month |
| Small breed dog | $28/month |
| Small breed dog (2–4 years) | $26/month |
| Large breed dog (2–4 years) | $38/month |
| Senior dog (7–8 years) | $48/month |
Compare plans and find the best coverage for your pet with our easy-to-read summary below.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Walmart Promo Codes
| Walmart Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Walmart reimbursement details
Walmart reimburses you for eligible veterinary expenses by subtracting the deductible from your bill and then applying the reimbursement rate, so your out-of-pocket costs are significantly reduced with their highest-tier plan.
Emergency surgery cost breakdown
Emergency surgery for intestinal blockage
Total vet costs: $2,500 (consultation, diagnostics, surgery, and hospitalization)
Annual deductible to subtract: $250 (first expense of the year)
Amount reimbursable after deductible: $2,500 – $250 = $2,250
Reimbursement at 90%: $2,250 × 90% = $2,025
👉 You receive $2,025 back and pay just $475 out of pocket.
ℹ️ The deductible applies only once per year—future covered claims aren’t reduced by it.
Ear Infection Treatment Cost Breakdown
Total vet costs: $350 (exam, medications, follow-up)
Annual deductible already met
Reimbursement at 90%: $350 × 90% = $315
👉 You get $315 reimbursed and only pay $35 yourself.
ℹ️ Claims after your deductible is met are reimbursed at the full plan rate, up to your annual limit.
Fracture—broken leg repair reimbursement
Total vet costs: $1,800 (X-rays, surgery, splint, meds)
Annual deductible already met
Reimbursement at 90%: $1,800 × 90% = $1,620
👉 You receive $1,620 back from Walmart, paying $180 out of pocket.
ℹ️ Only covered treatments that are medically necessary and within your annual limit are reimbursed.
Walmart Assistance
Walmart’s pet insurance lacks several assistance services that are increasingly expected by US policyholders.
Advance payment at the vet is not available, meaning owners must pay up front and claim reimbursement later.
No dedicated mobile app, direct payment option, or telehealth support is currently documented for Walmart plans.
Policyholders benefit from a largely paperless claims process via online forms, which is standard but not outstanding in the industry.
There is also no evidence of vet partner networks, installment payment solutions, or robust coverage for pets traveling overseas—these absences may limit convenience for some pet families.
| Assistance Walmart | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; policyholders pay vet and seek reimbursement |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims handled via online forms; supporting documents uploaded through a digital portal |
| Emergency vet service | ❌ | No telehealth line, 24/7 emergency vet service, or virtual care included |
| Vet/clinic partner network | ❌ | No preferred provider or clinic network; choose any licensed vet |
| Coverage abroad | ✅ | Coverage extends to US and Canada only; no other international support documented |
Contacting 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 | Contact Fetch Insurance Services, LLC (Walmart's underwriter): Phone: 1-866-467-3875 You’ll need to submit a completed claim form, original invoices, and medical records. Processing averages up to 30 days. Reimbursement is typically provided by mailed check or bank transfer. |
| To obtain a certificate of insurance | Call 1-866-467-3875 or email Fetch Insurance at the address on your policy documentation. Be ready to provide your policy number, name, and pet details. |
| To contact assistance | Phone: 1-866-467-3875 Postal address: Fetch Insurance Services, LLC, P.O. Box 1489, Bolingbrook, IL 60440, United States Customer service can assist with questions, policy management, and claims. |
| To cancel my policy | Call 1-866-467-3875 to request cancellation. No notice period required—cancellation is immediate or prorated to the date of your request unless a claim is pending. Provide your policy and contact information for processing. |
Phone: 1-866-467-3875
You’ll need to submit a completed claim form, original invoices, and medical records.
Processing averages up to 30 days. Reimbursement is typically provided by mailed check or bank transfer.
Be ready to provide your policy number, name, and pet details.
Postal address: Fetch Insurance Services, LLC, P.O. Box 1489, Bolingbrook, IL 60440, United States
Customer service can assist with questions, policy management, and claims.
No notice period required—cancellation is immediate or prorated to the date of your request unless a claim is pending.
Provide your policy and contact information for processing.
FAQ
Do I have to pay upfront for veterinary fees with Walmart?
Yes, with Walmart pet insurance, you generally pay your veterinary bills directly at the time of service. Afterward, you can file a reimbursement claim with the insurer.
How do I cancel my pet insurance policy with Walmart?
To cancel your Walmart pet insurance policy, call Fetch customer service at 1-866-467-3875. There is no required notice period; cancellation takes effect immediately or can be set for a future date.
What is covered by Walmart pet insurance?
Walmart pet insurance covers medically necessary treatments for accidents and illnesses, including surgeries, diagnostic tests, and prescribed medications for dogs and cats. Some plans also include coverage for behavioral issues, lost pet advertising, boarding fees if you’re hospitalized, and accidental death. Routine and preventive care are not included unless specified in your plan.
Are there waiting periods before coverage becomes active?
Yes, coverage for illnesses begins 15 days after your policy starts, and accident coverage starts after 5 days. Pre-existing conditions and events occurring during waiting periods are not eligible for reimbursement.
How do I file a claim and how are reimbursements paid?
Claims should be filed within 90 days after your policy period ends for the incident in question. You'll need to submit a claim form, original invoices, and any requested medical records. Claims are typically processed within 30 days, and approved reimbursements are sent by check or electronic transfer to your chosen method.
Do I have to pay upfront for veterinary fees with Walmart?
Yes, with Walmart pet insurance, you generally pay your veterinary bills directly at the time of service. Afterward, you can file a reimbursement claim with the insurer.
How do I cancel my pet insurance policy with Walmart?
To cancel your Walmart pet insurance policy, call Fetch customer service at 1-866-467-3875. There is no required notice period; cancellation takes effect immediately or can be set for a future date.
What is covered by Walmart pet insurance?
Walmart pet insurance covers medically necessary treatments for accidents and illnesses, including surgeries, diagnostic tests, and prescribed medications for dogs and cats. Some plans also include coverage for behavioral issues, lost pet advertising, boarding fees if you’re hospitalized, and accidental death. Routine and preventive care are not included unless specified in your plan.
Are there waiting periods before coverage becomes active?
Yes, coverage for illnesses begins 15 days after your policy starts, and accident coverage starts after 5 days. Pre-existing conditions and events occurring during waiting periods are not eligible for reimbursement.
How do I file a claim and how are reimbursements paid?
Claims should be filed within 90 days after your policy period ends for the incident in question. You'll need to submit a claim form, original invoices, and any requested medical records. Claims are typically processed within 30 days, and approved reimbursements are sent by check or electronic transfer to your chosen method.
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