Fetch offers comprehensive accident and illness pet insurance coverage with the option to add on a plan for wellness coverage.Accident and illness pet insurance covers your dog or cat when they get unexpectedly sick or hurt. For example, an emergency vet visit for vomiting or a broken tooth is covered under accident and illness coverage. Wellness pet insurance coverage is for preventive care that keeps your dog or cat healthy. Think: routine care like vaccinations, heartworm prevention, and dental cleanings.