Spot vs. Fetch Pet Insurance Comparison 2026: Who Has Better Unlimited Coverage?

Both Spot and Fetch Insurance are reputable and premium companies known for offering different types of coverage. For example, Spot Insurance provides coverage for prescription food and having Short waiting period, while Fetch is known for its comprehensive dental coverage. Both are unlimited annual limit pet insurance provider companies, meaning they cover unlimited veterinary bills. However, when we do Spot vs. Fetch Pet Insurance Comparison 2026:Who Has Better Unlimited Coverage? Then we will find the differences in their fine print. 

Spot and Fetch pet insurance cater to the needs of two different types of pet owners. This article will also explore whether Spot pet insurance offers better value for active dogs and if Fetch is a better option for pets with serious dental problems.


At a Glance: The "Cheat Sheet" Comparison

The table below provides a complete comparison of Spot and Fetch pet insurance. If you need quick and concise information, you can refer to this table.


Feature

Spot Pet Insurance

Fetch Pet Insurance

Annual Limit

Unlimited Option Available

Unlimited Option Available

Knee (ACL) Wait

14 Days (Industry Leader)

6 Months (Unless waived by exam)

Rx Food

Covered (Base Plan)

Not Covered

Microchip

Covered (Base Plan)

Add-on Only

Curable Pre-Existing

180 Days Symptom-Free 

365 Days Symptom-Free

Dental Coverage

Illness & Accidental

Injury & Disease (Every Tooth)

Avg. Cost

$$ (Generally Cheaper)

$$$ (Premium Pricing)

If you have any doubt, please let us know

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