Pet Insurance

Cornerstone + Fetch Pet Insurance

We’re proud to partner with Fetch Pet Insurance to offer Cornerstone members 10% off Fetch Pet Insurance for life, so you can provide the best care for your pets, without worrying about expensive vet bills.

Unexpected vet bills can be budget busting, but pet insurance can take the financial frustration out of determining the best care for your four-legged friend. Trusted by over 375,000 pet parents, and counting, Fetch offers the most comprehensive coverage on the market and is rated 'Excellent' on Trustpilot with over 700 5-star reviews. Learn more here.

Get a Free Quote from Fetch

or call Fetch at 866-583-3531

Why Get Pet Insurance?

Every 6 seconds, a pet parent is faced with a vet bill of $1,000+ and 1-in-3 pets need emergency vet treatment every year. Pet insurance protects you from expensive vet bills so you can protect your pet if the unexpected happens.

What does Fetch Pet Insurance Cover?

Fetch offers the most comprehensive insurance on the market – at a price that works for you. Fetch’s Injury & Illness plan covers treatment for unexpected vet visits, including:

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


Every tooth covered


Gum disease

X-rays and CT scans

Diabetes and insulin


Cancer treatment

Blood tests

Acupuncture and chiropractic care

Breed-specific issues, including hip dysplasia

Treatment for aggression and separation anxiety


Fetch’s Injury & Illness Insurance Plan

Cornerstone members receive 10% off Fetch’s Injury & Illness plan for LIFE.  Fetch covers more types of injuries & illness than other providers such as comprehensive dental, breed-specific conditions, coverage for pets of all ages, (including senior pets), holistic care & more. You can use Fetch at any vet in the US and policyholders receive up to $1,000/year to spend on virtual vet care, at no extra cost.

  • Plans average $35/mo for dogs & $20/mo for cats but the price you’ll pay may vary depending on your location and your pet’s age and breed. Plans are customizable to meet your budgetary needs and Fetch reimburses up to 90% of vet bills, with reimbursement in as little as 2 days.

    Get a Free Quote from Fetch

    or call Fetch at 866-583-3531

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.

Cornerstone members receive 10% off their Injury and Illness plans for life.

Get a Free Quote from Fetch

or call Fetch at 866-583-3531

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.


When should I get 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.

How do I pick the best plan?

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.

What vets can I use?

With Fetch, you have the flexibility to choose any veterinarian in the U.S. or Canada.

What’s the difference between an Injury & Illness plan and a Wellness plan?

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.

Can I get wellness on its own?

No. Wellness is only available as an add-on to your pet’s insurance policy.

When does my insurance go into effect?

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.

Why Fetch Pet Insurance?

Learn more about Fetch pet insurance for Cornerstone members, from pets themselves.

Get a Free Quote from Fetch

or call Fetch at 866-583-3531