Fetch Pet Insurance for AARP Members

Pet owners and dog protected by pet insurance for AARP members

Trusted Pet Insurance at a Special Price for Life

We’re making it easy for you to find pet insurance for your furry friends. Fetch Pet Insurance offers AARP members 10% off every month for comprehensive coverage for their dog or cat.
Get a Free Quote From Fetch
Woman holding cat

Why Do I Need Pet Insurance?

Fetch pet insurance can help protect pets from the unexpected. Every six seconds, a pet parent faces a vet bill of $1,000 or more. And each year, one out of every three pets needs emergency vet treatment.

What Does Fetch Pet Insurance Cover?

Fetch’s pet insurance plans can help pay for unexpected vet visits, as well as:
Prescription medications and supplements Sick-visit exam fees
Emergency vet visits Laboratory tests
Virtual, in-home and office visits Vomiting and diarrhea
Hospital stays Hereditary and congenital issues
Physical therapy Swallowed objects and toxins
Allergies Every tooth covered
Surgeries Gum disease
X-rays and CT scans Diabetes and insulin
Ultrasounds Cancer treatment
Blood tests Acupuncture and chiropractic care
Breed-specific issues, including hip dysplasia Treatment for aggression and separation anxiety
Man sitting with his pet bulldog

How Much Does Pet Insurance Cost?

On average, pet insurance plans from Fetch cost $35 a month for dogs and $20 a month for cats. Be aware that the price you’ll pay for pet insurance may vary depending on your location and your pet’s age and breed.
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How Does Pet Insurance Work?

Pet insurance works by reimbursing you for vet bills that you submit to your insurer as claims. Follow these steps to use your Fetch Pet Insurance coverage:
  1. Pay your vet for treatment. You can use any veterinarian in the U.S. or Canada, including specialists and emergency clinics.
  2. File a claim in the app. The Fetch Pet Insurance app makes the claim submission process fast and easy.
  3. Get paid back fast. With direct deposit, you’ll get paid back in as little as two days after your claim is approved.

Fetch Pet Insurance Coverage Types

Fetch’s Injury and Illness Insurance Plan

Fetch covers the most types of injuries and illnesses to help keep your pet safe, including:
  • Comprehensive dental
  • Breed-specific conditions
  • Injury and illness coverage for pets of all ages, including senior pets
  • Holistic care 
You can use your Fetch coverage at any vet in the U.S. and receive up to $1,000 a year to spend on virtual vet care at no extra cost.
Fetch reimburses up to 90% of vet bills and you’ll be paid back in as little as two days. You can also customize your plan’s coverage to better meet your needs.
You can also customize your plan's annual limit, co-pay and deductible to create a policy that fits your budget.
AARP members receive 10% off their Injury and Illness plans for life. Get your free quote today.

Fetch’s Wellness Plan

You also have the option to add a Wellness plan to your insurance policy when enrolling or renewing for as little as an additional $10 a month.
A Wellness plan can help you save hundreds of dollars a year on the routine and preventative care your pet needs to stay healthy, including:
  • Annual checkups
  • Dental cleaning
  • Heartworm prevention

Wellness Plan Reimbursement

Reimbursement for Wellness claims is simple. You’ll be reimbursed the full amount for a covered benefit until you hit the annual maximum payout limit. There is no deductible or copay associated with your Wellness plan and you can start using your benefits the day after you enroll.

Get Pet Insurance for AARP Members

Fetch offers members protection for their furry friends. Trusted by over 380,000 pet parents and counting, Fetch can help keep your dog or cat safe from the unexpected.
For members of AARP, pet insurance from Fetch comes with benefits like a 10% off discount on your insurance plan for life. To learn more about the coverages and benefits available to you, get a free quote from Fetch or call 866-583-2648 to speak with a Fetch Pet Advisor.

Frequently Asked Questions About Fetch Pet Insurance

The key to making sure your pet has the best injury and illness coverage possible is to enroll in pet insurance before they need it. Fetch recommends that you sign up your kitten or puppy to help cover any future illnesses or injuries. Fetch protects pets of all ages, so it’s also important to sign up an older pet before they develop any health issues.
Fetch offers AARP members 10% off Injury and Illness insurance plans every month for life.
Fetch offers the most comprehensive coverage in one simple plan. You can customize certain parts of your policy, like your deductible, annual coverage amount and reimbursement rate, to help make sure your insurance cost fits your budget.
With Fetch, you have the flexibility to choose any veterinarian in the U.S. or Canada.
An Injury and Illness plan covers treatment when your pet gets sick or hurt. For example, if your pet has an emergency vet visit after breaking their tooth, your Injury and Illness insurance plan can help cover the expenses.
On the other hand, a Wellness plan is an optional add-on to your policy. It covers routine and preventive care to help your pet stay healthy. Under a Wellness plan, services like annual checkups, vaccinations, heartworm prevention and dental cleaning are all covered. However, you’ll need to have an Injury and Illness plan before you can purchase an additional Wellness plan.
No. Wellness is only available as an add-on to your current pet insurance policy.
Your Injury and Illness coverage has a waiting period that starts the day after you enroll and lasts up to 15 days.
There’s also a six-month waiting period before hip and knee injuries can be covered. However, you can waive the waiting period for knee injuries. To do this, you’ll need to have your pet examined by a vet within the first 30 days of your policy to determine that they don’t have any relevant pre-existing conditions.
There is no waiting period for your Wellness plan. You can buy it today and use it tomorrow.
Pets explaining more about Fetch pet insurance for AARP members

Why Fetch Pet Insurance?

Learn more about Fetch pet insurance for AARP members, from pets themselves.
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Quick answers and easy-to-understand homeowners definitions written with you in mind.
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Last Updated: July 17, 2023
AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.
Fetch Wellness Insurance Coverage is insurance coverage. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.
Program not available in New Brunswick and Quebec.
Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. In ME, there is no waiting period for accidents and injuries, and a 15-day waiting period for illnesses, as of January 1, 2023. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the waiting period or prior to the first exam, are excluded from coverage. Risk-free cancellation terms vary by state.
This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. Not all coverages or options offered may apply to each policyholder. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval.
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. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT.
Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch by The Dodo, Fetch by The Dodo, LLC in Michigan & New Mexico, and Fetch by The Dodo Insurance Services, LLC in California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit FetchPet.com. ©2023 Fetch, Inc. Information accurate as of January 2023.
Fetch Forward and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.
Fetch is a registered trademark owned by Fetch, Inc. Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc.
Unmatched according to The Dodo, May 2022. The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. The arrangement between Fetch and The Dodo includes an equity stake, as well as brand licensing and marketing services through which The Dodo, and its affiliate, may be compensated to promote Fetch offerings. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on ConsumersAdvocate.org. Consumers Advocate is a Fetch by The Dodo Partner. Best pet insurance according to Consumer Rating January 2023. Based on a comparison of top pet insurance companies on ConsumerRating.org. Consumer Rating is a Fetch by The Dodo Partner.
Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2022 through 12/31/2022 and all available limit combinations.
Exam fees based on average costs.
Healthy Pet Credit: for each 12 month period that your enrolled pet goes without a paid pet insurance claim reimbursement, Fetch applies a 15% Healthy Pet Credit to your subsequent policy premium, up to a 30% maximum total. This credit may not be available in all states.
Policies in force and number of pets helped based on Fetch data as of 12/31/2022.
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.