Pet Insurance in West Virginia & Ohio
1 in 3 pets need emergency vet treatment every year.
When your dog eats something they shouldn't or your cat needs emergency surgery, pet insurance means you can focus on treatment—not the bill. Get up to 90% back on unexpected vet costs with the most comprehensive pet insurance in the industry.
Quote online in 60 seconds. No phone call required. See your personalized price instantly.
Get a Pet Insurance QuoteCovers dogs and cats of all ages, breeds, and sizes
Why Pet Insurance Matters
Veterinary medicine has advanced dramatically. Your vet can now perform MRIs, chemotherapy, joint replacements, and organ transplants. But those advances come with costs that can reach $5,000, $10,000, or more for a single treatment.
Pet insurance isn't about whether you can afford a vet bill—it's about being able to say yes to treatment without hesitation when your pet needs it most.
The Reality Check
- Every 6 seconds, a pet parent faces a vet bill of $1,000+
- ACL surgery averages $3,000-$6,000
- Cancer treatment can exceed $10,000
- Foreign body removal: $800-$3,500
What's Covered
Fetch covers what other providers charge extra for—or don't cover at all. One comprehensive plan, no surprises.
Accidents & Illnesses
Comprehensive coverage in one plan
From broken bones to cancer treatment, ear infections to diabetes. Coverage for diagnostics, treatment, surgery, hospitalization, and medications.
Every Tooth, Plus Gums
Comprehensive dental coverage
Unlike competitors, Fetch covers dental injury and disease in every adult tooth—not just canines. Includes periodontal disease, oral tumors, and trauma.
Breed-Specific Conditions
No breed exclusions
Hip dysplasia in German Shepherds, breathing issues in French Bulldogs, kidney stones in Burmese cats—Fetch covers conditions linked to breed that others exclude.
Behavioral Therapy
Up to $1,000 per policy term
Coverage for separation anxiety, aggression, compulsive behaviors, and more. Includes medication and therapy sessions with veterinary behaviorists.
Alternative & Holistic Care
When administered by a vet
Acupuncture, chiropractic care, hydrotherapy, laser therapy, and homeopathic treatments. Coverage for modern healing approaches.
Sick Visit Exam Fees
Included standard—others charge extra
That $50-$250 exam fee you pay every vet visit? Fetch covers it when your pet is sick or injured. Most competitors exclude exam fees or charge extra.
Also Included Standard
Fetch Wellness Coverage
Add routine care coverage and save up to $735 per year on preventive care. Wellness coverage pays for the stuff you do every year anyway.
Annual Exams
Nose-to-tail wellness checkups
Vaccinations
Core and non-core vaccines
Heartworm Prevention
Monthly preventive medication
Flea & Tick Prevention
Year-round parasite protection
Dental Cleaning
Professional cleanings under anesthesia
Spay/Neuter
Surgical sterilization procedures
Blood & Urine Tests
Routine diagnostic screenings
Microchipping
Permanent pet identification
Wellness Tiers Available
Exams, vaccines, and flea/tick prevention
Adds dental cleaning, bloodwork, and more
Maximum coverage for all routine care
Real Claims, Real Payouts
In 2024, Fetch processed 768,000 claims and paid back over $160 million to pet parents. Here's what typical payouts look like:
Broken Tooth
Vet Bill
$850
Fetch Pays
$765
Ear Infection
Vet Bill
$512
Fetch Pays
$461
Ligament Tear (ACL)
Vet Bill
$1,074
Fetch Pays
$967
Foreign Body Ingestion
Vet Bill
$1,342
Fetch Pays
$1,209
Based on 90% reimbursement level after deductible. Your payout depends on your plan settings.
How Pet Insurance Works
Visit Any Vet
Take your pet to any licensed veterinarian—your regular vet, emergency clinic, or specialist.
Pay the Bill
Pay your vet bill like normal. Keep the invoice and medical records.
Submit a Claim
Upload your invoice through the Fetch app—it takes about 2 minutes.
Get Reimbursed
Receive up to 90% back via direct deposit, often within 2 days of approval.
The Fetch App Makes It Easy
94% of claims are submitted digitally through the highly-rated Fetch app. Snap a photo of your invoice, submit, and track your claim status in real-time. The app has over 7,000 five-star ratings.
Why Fetch Beats the Competition
We partnered with Fetch because they offer coverage others can't match. Here's the comparison:
| Coverage | Fetch | Others |
|---|---|---|
| Every tooth, plus gums | Limited | |
| Sick-visit exam fees | Extra $ | |
| Online vet visits ($1,000/yr) | ||
| Use any vet in US & Canada | Limited | |
| Alternative & holistic care | Extra $ | |
| Behavioral therapy | Extra $ | |
| Pets of every age (6 weeks+) | Age limits | |
| Supplements coverage |
Frequently Asked Questions
How much does pet insurance cost?
Pet insurance costs vary based on your pet's age, breed, location, and the coverage level you choose. Most dogs cost $30-60/month and cats $15-30/month. You can adjust your deductible ($200-$500) and reimbursement level (70%-90%) to fit your budget. Get a personalized quote in 60 seconds to see your exact price.
Are pre-existing conditions covered?
Like all pet insurance, pre-existing conditions aren't covered. That's why getting coverage while your pet is young and healthy is important—you lock in coverage before problems develop. However, some conditions that fully resolve may become eligible for coverage after a waiting period.
How long until coverage starts?
After enrolling, there's a short waiting period before coverage begins: typically 15 days for illnesses and 48 hours for accidents. This is standard across the industry to prevent people from signing up only after their pet gets sick.
Can I keep my regular veterinarian?
Absolutely. Fetch has no network restrictions—you can use any licensed veterinarian in the United States or Canada, including emergency clinics, specialists, and veterinary hospitals. Just pay your bill and submit for reimbursement.
What's the claims process like?
Simple. Submit your vet invoice and medical records through the Fetch app (takes about 2 minutes). Claims are typically processed within 8 days, and with direct deposit, you can have money back in your account within 2 days of approval. 94% of claims are submitted digitally.
Is there an age limit for pets?
Fetch covers pets from 6 weeks old through their golden years—no upper age limit. Whether you have a playful puppy or a senior cat, you can get coverage. (Note: some competitors cut off new policies at age 8 for dogs or age 10 for cats.)
Protect Your Best Friend Today
Get a free quote in 60 seconds. See your personalized price—no phone call, no pressure, no obligation.
Questions? We're happy to help explain your options.
About Fetch Pet Insurance
Fetch protects over 470,000 dogs and cats across the U.S. and Canada. Backed by leading insurance carriers and rated highly by both AM Best and the Better Business Bureau, Fetch has paid out over $160 million in claims and donated over $10 million to help pets in need through programs like Project Street Vet and their Shelter Heroes Program.
We're proud to offer Fetch as our pet insurance partner because they share our values: comprehensive coverage, transparent pricing, and treating pets like the family members they are.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV