Bringing home a new puppy is one of life’s most exciting milestones. From the first car ride home to the first night in their new bed, every moment is filled with excitement, learning, and plenty of surprises.
While most puppy owners spend time preparing for food, training, toys, and veterinary care, many don’t think about what happens if the unexpected occurs. A sudden illness, an injury at the dog park, or even a swallowed sock can quickly lead to an expensive trip to the veterinarian.
That’s why Puppies.com is proud to partner with Fetch Pet Insurance to help puppy owners protect their newest family members from day one of the policy. → Learn more about our exclusive member offer and get your quote today.
Why Puppies.com Chose Fetch
At Puppies.com, our mission doesn’t end when a puppy finds a home. We want to help families provide the best possible care throughout their dog’s life.
When evaluating pet insurance providers, we looked for a company that offered comprehensive coverage, flexible options, and a simple claims process. Fetch stood out for its broad coverage and commitment to helping pet owners manage unexpected veterinary expenses.
Named the most complete pet insurance by Forbes Advisor, Fetch covers many expenses that other providers may exclude, including sick-visit exam fees, breed-specific conditions, and dental disease in every adult tooth.
What Is Pet Insurance?
Pet insurance helps cover the cost of unexpected veterinary expenses related to accidents and illnesses.
Instead of facing a large veterinary bill all at once, policyholders pay a monthly premium and may be reimbursed for covered veterinary expenses according to their policy.
For many puppy owners, pet insurance provides peace of mind knowing they’re prepared if an unexpected health issue arises.
Does My Puppy Really Need Pet Insurance?
The earlier you enroll your puppy, the better.
Most pet insurance providers do not cover pre-existing conditions, so enrolling when your puppy is young and healthy can help maximize future coverage options.
Puppies are naturally curious. They chew things they shouldn’t, jump from furniture, explore unfamiliar environments, and sometimes find themselves in situations that require veterinary care.
Common unexpected expenses can include:
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Broken bones and injuries
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Intestinal blockages from swallowed objects
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Emergency veterinary visits
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Illnesses and infections
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Diagnostic testing and treatment
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Breed-specific health conditions. To learn more about breed-specific conditions, visit the Puppies.com breed directory.
Having pet insurance can help make those situations less financially stressful.
Every Breed Has Unique Health Considerations
One of the reasons we encourage new puppy owners to research breeds carefully is that each breed has its own traits, exercise needs, grooming requirements, and potential health considerations.
For example, some breeds may be more prone to joint issues, while others can be susceptible to eye, heart, respiratory, or skin conditions. Understanding these tendencies can help you prepare for your puppy’s lifelong care.
Not sure which breed is right for you? Explore our Breed Matchmaker to discover breeds that fit your lifestyle, or browse our breed profiles to learn more about temperament, grooming needs, exercise requirements, and common health considerations.
Helpful Resources:
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Browse Dog Breeds: https://www.puppies.com/breeds
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Take the Puppies.com Breed Matchmaker Quiz
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Explore Puppy Care Articles on the Puppies.com Blog
Learning about your breed’s unique needs is one of the best ways to set your puppy up for a happy, healthy future.
Does Coverage Start Immediately Through Fetch?
Many pet insurance providers require waiting periods before coverage begins.
As an exclusive benefit for Puppies.com, Fetch waives waiting periods, allowing eligible coverage to begin on day one of the policy.
What Does Fetch Cover?
Comprehensive Accident and Illness Coverage
Fetch helps cover unexpected accidents and illnesses, including:
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Sick-visit exam fees
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Breed-specific conditions
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Injuries and emergencies
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Dental disease in every adult tooth
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Diagnostic testing and treatment
Use Any Licensed Veterinarian
You’re never restricted to a specific veterinary network. Visit your regular veterinarian, a specialist, or an emergency clinic anywhere in the United States or Canada.
Simple Claims Process
Submitting a claim is easy. Simply upload your veterinary documents and answer a few questions. After your claim is approved, Fetch can reimburse up to 90% of covered veterinary expenses in as little as two days via direct deposit.
Added Peace of Mind
Pet insurance can’t prevent emergencies, but it can help ensure financial concerns don’t stand in the way of getting your puppy the care they need.
How Much Does Fetch Cost?
The average Fetch plan costs approximately $35 per month for dogs, depending on factors such as breed, age, location, and coverage selections.
As a Puppies.com member, you’ll also have access to exclusive savings and benefits.
Exclusive Puppies.com Member Benefits
Puppies.com members are eligible for:
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10% lifetime discount on their Fetch policy
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Waived waiting periods
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$25 Fetch Pet Rx Cash
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Risk-free cancellation for up to 30 days
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Reimbursement of up to 90% of covered veterinary expenses in as little as two days
→ Learn more about our exclusive member offer and get your quote today.
Frequently Asked Questions
Q: What are breed-specific conditions?
A: Some dog breeds are more likely to experience certain health issues due to genetics. For example, large breeds may be more prone to joint concerns, while some flat-faced breeds may experience respiratory challenges. Researching your breed’s health considerations can help you prepare for future care needs.
Q: Can I use my current veterinarian?
A: Yes. Fetch allows you to visit any licensed veterinarian in the United States or Canada, including specialists and emergency clinics.
Q: What is a waiting period?
A: A waiting period is the amount of time between enrolling in a pet insurance policy and when coverage begins. Many pet insurance providers require waiting periods. Puppies.com members receive waived waiting periods through this exclusive Fetch offer.
Q: How do pet insurance claims work?
A: Simply submit your veterinary documents through Fetch, answer a few questions about your pet’s treatment, and Fetch handles the rest. Once approved, reimbursement can be sent via direct deposit.
Q: Is pet insurance worth it for puppies?
A: Many pet owners find that pet insurance helps provide peace of mind during a puppy’s early years, when curiosity, accidents, and unexpected illnesses can happen. Having coverage in place can help make emergency veterinary care more affordable.
Q: Protect Your Puppy From Day One
A: No one plans for an emergency, but every puppy owner hopes they’ll be prepared if one happens.
Whether your puppy is mastering basic training, exploring the backyard, or settling into life with your family, Fetch can help provide an extra layer of protection when the unexpected occurs.
Q: What do I receive as a Puppies.com member?
A. When you sign up for Fetch from Puppies.com, you’ll receive:
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10% lifetime discount on your policy
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Waived waiting periods
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$25 Fetch Pet Rx Cash
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Risk-free cancellation for up to 30 days
→ Get your Fetch Pet Insurance quote today and help protect your puppy’s future.
Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer.
With $25 Fetch Pet Rx Cash, Fetch members get $25 off a $50 or more order at FetchPetRx.com in the Fetch app. All orders from FetchPetRx.com are fulfilled by Allivet. Allivet is a fully licensed pharmacy, licensed to sell pet prescription medication in all states.
This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state or province and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.
Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2026 Fetch, Inc.
At Puppies.com, we are proud to support breeders who lead with integrity and transparency. Have questions or need support? Our team is always here to help!
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