Fetch vs Spot pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-05-19).
The key differences
- Fetch has an unlimited annual limit option; Spot tops out at $10,000.
- Dental: Fetch — injury & disease; Spot — accidents only.
Side by side
| Feature | Fetch | Spot |
|---|---|---|
| Plan | Comprehensive Plan | Accident & Illness (Levels 2–4) |
| Price level | $$ Mid-range | $$ Mid-range |
| Reimbursement | 70/80/90% | 70/75/80/85/90% |
| Annual limit (max) | Unlimited | $10,000 |
| Deductible | Annual | Annual |
| Exam fees | Covered | Covered |
| Dental | Injury & disease | Accidents only |
| Pays vet directly | No | No |
Show all rows
| Feature | Fetch | Spot |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | none | 1 day |
| Illness wait | 15 days | 14 days |
| Orthopedic wait | 6 mo | None extra |
| Wellness option | Yes | Yes |
| Multi-pet discount | None | 5% for 2 pets, 10% for 3+ |
| Enrollment age | No maximum enrollment age. | New policies: dogs up to 10, cats up to 12. |
| Availability | Not sold in New Brunswick, Quebec. | Not sold in Quebec. |