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Insurance Pet Insurance

Fetch Pet Insurance: A Comprehensive Review You Can Trust

Updated Dec 08, 2023   |   16-min read
Our take on Fetch pet insurance
Best forBest coverage
Editorial rating4.9 out of 5
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You’re here because you want the best for your furry friend. Fetch pet insurance ranks high with its LendEDU editorial rating of 4.9. This is the highest of all the pet insurance companies we rated, earning Fetch our best coverage designation.

If you want comprehensive care for your pet that goes beyond just the basics, Fetch is worth your attention. Specializing only in pet insurance, this company offers an extensive range of medical needs coverage—from prescription medications to emergency vet visits and even behavioral therapy.

Features that make Fetch the best for coverage:

  • No limit on claims: After the up-to-15-day waiting period (15 days after your policy start date), submit as many claims as needed.
  • High reimbursement rates: Get up to 90% back on unexpected vet bills.
  • Use any vet: No network restrictions. Choose any vet in the U.S. or Canada.
  • Holistic care: Includes physical therapy, acupuncture, and more at no extra cost.
  • No lifetime limits: Continues to cover your pet’s medical needs regardless of past claims.

About Fetch

Founded to make quality pet care accessible, Fetch focuses solely on pet insurance, making it a dedicated player in the industry. It insures cats and dogs throughout the U.S. and most of Canada. 

Fetch’s coverage is comprehensive. You can expect accident and illness coverage, optional wellness add-ons, and holistic care options.

Fetch coverage highlights:

  • Accidents and illnesses: Fetch covers everything from broken bones to long-term conditions.
  • Preventive care: Optional add-ons give you the flexibility for routine checkups.
  • Nationwide availability: Fetch insures dogs and cats from the East Coast to the West.

Fetch pet insurance at a glance

Let’s dig into what Fetch covers. We’ll expand on these details in the sections below.

TermsDetails
Eligible petsCats and dogs only
Deductibles$300 – $700
Annual coverage limits$5,000, $10,000, or $15,000
Reimbursement rates70%, 80%, or 90%
Waiting periodsUp to 15 days (special conditions apply for hip or knee injuries)
Policy discountsMultiple options, including military discounts
Preventive careOptional add-ons
Unique featuresComprehensive holistic care, no breed restrictions

What types of plans does Fetch offer?

Fetch offers tailored plans to meet your pet’s medical needs. It focuses on comprehensive coverage but also offers a preventive care add-on. Knowing the difference can guide you in choosing the best coverage for your pet.

Plan options

  • Accident and illness: This is the main policy that covers a broad range of medical needs, from emergency visits to surgeries. If you’re looking for comprehensive coverage, this is the go-to plan.
  • Wellness add-on: Adding this to your accident and illness plan covers routine vet visits and wellness checks. It can make regular health care more affordable and predictable.

Fetch doesn’t offer a standalone accident-only plan. It focuses instead on providing all-encompassing coverage for your pet’s well-being. If you want a one-stop solution, the accident and illness plan is your best choice. To get help with the costs of routine care, consider the preventive care add-on.

What does Fetch pet insurance cover?

Fetch’s coverage varies by plan, and coverage is generally consistent regardless of the pet’s location, age, and breed.

Accident and illness pet insurance

Fetch’s accident and illness plan is comprehensive, often surpassing competitors. Here’s a breakdown:

  • Medical needs: Covers a broad range of treatments, including X-rays, CT scans, and surgeries.
  • Prescription medications: Included in the standard plan.
  • Emergency vet visits: Coverage for unexpected mishaps.
  • Holistic care: Unlike many competitors, Fetch covers treatments such as acupuncture and hydrotherapy.

Preventive care

Preventive care with Fetch is about keeping your pet healthy for the long haul. You can add one of three tiers to your accident and illness plan: Essentials, Advantage, or Prime, with Prime being the most costly and offering the most coverage. 

Below is a table showing what’s reimbursed under each plan:

Essentials (starts at $10 per month)Advantage (starts at $20 per month)Prime (starts at $30 per month)
Annual exam$30$50$50
Canine Bordetella / Feline FELV vaccines$10$20$25
Canine DHLPP / Feline FVRCP vaccines$10$20$25
Canine Rabies / Feline Rabies vaccines$10$20$25
Canine Lyme / Feline FIP vaccines$10$20$25
Heartworm, flea & tick prevention$30$50$60
Heartworm tests$10$25$30
Dental cleaning$75$100$125
Spaying or neutering$100$100$125
Blood test$10$25$30
Urinalysis$10$25$30
Fecal test$10$25$30
Microchipping$20$30
Anal gland expression$20$20
Behavioral exam$25
Health certificate$30
Activity monitor$50

The Essentials plan is a solid starting point, but if you need more robust coverage, the Advantage and Prime plans step up to meet those needs.

Bonus: Fetch Health Forecast for dogs

The Fetch Health Forecast is the company’s latest innovation. For a one-time fee ($19 at the time of writing), you get a quick yet comprehensive snapshot of your dog’s health—no swabs or wait time needed.

  • Cost: $19 one-time payment.
  • Quick results: Answer a few simple questions about your dog and get instant insights.
  • Comprehensive report: Your one-time payment generates a comprehensive health report personalized to your pup.

This is an example of Fetch’s commitment to leveraging technology to make pet care easier and more accessible.

What does Fetch pet insurance not cover?

Now let’s talk about what Fetch pet insurance doesn’t cover. Like most pet insurance providers, Fetch has limitations. You won’t find coverage for pre-existing conditions or elective procedures. Compared to other companies, Fetch’s exclusions aren’t restrictive.

  • Pre-existing conditions: Any medical issue present before the policy start date isn’t covered.
  • Cosmetic procedures: Ear cropping and declawing, for example, aren’t considered medically necessary.
  • End-of-life costs: Euthanasia and cremation aren’t covered.

Understanding these limitations can help you make an informed decision and ensure you get the most out of your policy.

Waiting periods for Fetch pet insurance

A waiting period is the time you must wait before your pet insurance kicks in. It’s a standard practice across all pet insurance companies to prevent fraudulent claims. 

For Fetch, here are the waiting periods you’ll encounter:

  • General waiting period: Up to 15 days for most claims.
  • Hip and knee injuries: Six-month waiting period, but it can be waived if a vet checks your pet in the first 30 days and finds no pre-existing conditions related to the hips or knees.

Compared to other pet insurance companies, Fetch aligns with industry standards. The 15-day general waiting period is common, as is the extended wait for specific conditions, such as hip and knee injuries. The option to waive the waiting period for knee injuries with a vet check is unique, offering flexibility for new policyholders.

How much does a Fetch pet insurance policy cost?

Several factors shape the premium for a Fetch pet insurance policy:

  • Type of pet: Dogs tend to be more expensive to insure than cats.
  • Age of pet: Older pets often have higher premiums.
  • Breed: Some breeds are prone to certain health issues, which can affect cost.
  • Location: Where you live can affect the cost, particularly if you’re in an area with high vet costs.
  • Coverage choices: The type of plan, annual limit, and deductible all factor in.

You can control the costs by adjusting your coverage options. Fetch advises the average premium is $35 per month for dogs and $25 per month for cats.

Sample quotes collected by our team

Quote DetailsQuote 1Quote 2Quote 3Quote 4
Zip code30213302133021330213
Type of petDogDogCatCat
Age5 years10 years2 years12 years
BreedMixed breed (medium)Chihuahua mixMixedCalico
Deductible$300$300$400$400
Annual coverage limit$5,000 per year$5,000 per year$10,000 per year$10,000 per year
Reimbursement rate80%80%90%90%
Monthly premium$41.05$78.43$20.16$95.45

Premiums can rise after a claim or as a pet ages. Prices are competitive, but as you can see, they fluctuate based on several factors.

You can see in the image from one of our quotes below that Fetch makes it easy to adjust your max payout, deductible, or reimbursement to know how it affects your premium:

Source: Fetch

Fetch gave us the options below for Wellness add-ons for a medium-sized, mixed-breed dog:

Source: Fetch

Discounts to save money on Fetch pet insurance

Budget-conscious? You’re in luck. Fetch offers several discounts to make pet insurance more affordable.

  • Quarterly or annual billing: Opt for fewer invoices and save on your total premium.
  • Military discount: Active-duty or veteran? Fetch offers a 10% discount every month for life.
  • AARP discount: If you’re an AARP member, you’re eligible for a 10% monthly discount as well.
  • Healthy pet credit: For each 12-month period 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.

Imagine your premium is $40 a month. With a 15% healthy pet credit, you save $6 per month. That’s an annual savings of $72, making a significant dent in your pet insurance costs.

What types of pets are eligible for Fetch pet insurance?

When it comes to insuring your pets, Fetch focuses on just dogs and cats. If your pet has a pre-existing condition, you can enroll them, but that specific condition won’t be covered.

Here’s more about Fetch’s eligibility:

RequirementDetails
Eligible statesAll 50 states and the District of Columbia
Age restrictions6 weeks and older (no upper age restrictions)
Breed restrictionsNone
Medical examNot required, but Fetch recommends scheduling a checkup with your vet as soon as you enroll. 

You must upload your pet’s medical records when you submit a claim. Without these records, Fetch might deny your claim and not reimburse you.

This information should guide you in understanding whether Fetch is the right fit for your dog or cat.

Fetch pet insurance claims and payouts

Understanding how claims and payouts work is crucial to any insurance plan. With Fetch, you pay the vet bill upfront and then get reimbursed. 

You don’t need prior approval for treatments or visits, offering you freedom and flexibility in urgent situations. Generally, the claims process is speedy, with reimbursements hitting your account in as little as two days.

How to file a claim with Fetch

  • Choose your vet: Fetch allows you to use any vet in the U.S. or Canada. You can stick with your trusted vet or opt for a specialist or emergency clinic.
  • Submit your claim: Snap a photo of your vet documents, answer a few basic questions about the treatment, and you’re good to go.
  • Get reimbursed: After approval, Fetch repays up to 90% of your vet bill, typically via direct deposit within two days.

Compared to other companies, Fetch stands out for its speedy reimbursement and the ability to choose any vet. Fetch designed the process to be as hassle-free as possible—an asset while you deal with a pet emergency.

How has Fetch’s pet insurance evolved over the years?

Fetch has been in the pet insurance game for decades, evolving to meet the ever-changing needs of pet parents.

Here is Fetch’s evolution timeline:

  • 2003: Founded in September and secured exclusive U.S. license for the Petplan brand in November.
  • 2006: Started offering policies, including online options.
  • 2020: Animal-focused media brand and digital publisher the Dodo took a minority stake, resulting in a rebrand to Fetch by the Dodo.
  • 2023: Launched Fetch Health Forecast for dogs.

Pros and cons of Fetch pet insurance

Before you purchase an insurance policy, we recommend evaluating the pros and cons.

Pros

  • No limit to the number of claims you can submit after your waiting period

  • Specializes in only pet insurance

  • No maximum enrollment age for pets

  • Comprehensive coverage for a wide range of medical needs

  • High reimbursement rates

  • No network restrictions

  • Broad geographic availability

  • Holistic care covered

  • No lifetime or per-condition payout limit

  • Covers exam fees for sick visits

  • Full dental coverage

  • Covers breed-specific conditions

  • Behavioral therapy coverage

  • Virtual vet visits included

Cons

  • No accident-only plans

  • Limited policy customization options

  • No coverage for exotic animals

Considering the wellness add-on?

Pros

  • Three tiers of add-on coverage

  • No deductible

  • No copay

  • No waiting period

Cons

  • Pricing may vary by state

How Fetch pet insurance compares to others

Fetch sets a high bar. Its comprehensive coverage options, high reimbursement rates, and absence of age or breed restrictions make it a top choice among pet insurance companies

Despite its strengths, Fetch could improve by offering more policy customization options and accident-only plans. For those specific needs, Embrace and Spot are solid alternatives.

Why Fetch stands out

  • Best overall coverage: With no lifetime or per-condition payout limits, it’s hard to beat Fetch’s comprehensive coverage.
  • High reimbursement rates: Up to 90% back on vet bills places Fetch ahead of the curve.
  • Broad eligibility: Available in all 50 states and most of Canada, Fetch has wide-ranging reach.

Where Fetch could improve

  • Limited customization: Fetch doesn’t provide as many policy customization options compared to other providers. Consider Spot for more flexibility.
  • No accident-only plans: If you’re looking for accident-only coverage, Embrace has you covered with a plan that starts coverage just two days after enrollment. 
  • Offer coverage for exotic animals: Like many pet insurers, Fetch only covers dogs and cats. If you have a bird or exotic animal, Nationwide will consider these pets on a case-by-case basis.

Competitors to consider

If these areas are important to you, consider these other recommended providers. We’ve also noted their best-for designations and LendEDU editorial rating out of five stars.

  • ManyPets: Best for those seeking customizable, premium plans for unlimited coverage, 4.7 editorial rating.
  • Embrace: Ideal for quick coverage, especially for accidents, 4.7 editorial rating.
  • Lemonade: Best for fast claims processing thanks to its AI-driven platform, 4.7 editorial rating.
  • Spot: Best variety of terms, 4.5 editorial rating.

Is Fetch a reputable company?

SourceCustomer rating (out of 5)Number of reviews
Trustpilot4.3 (Excellent)1,314
Google4.1 250
Better Business Bureau1.17 48

Ratings collected on August 29, 2023.

Fetch enjoys mostly favorable reviews, particularly on Trustpilot and Google. Many customers mentioned the company’s straightforward claims process and prompt payouts. Trustpilot, a well-regarded review platform, gives Fetch an “Excellent” rating, backed by a sizable number of reviews. Google’s rating of 4.1 further corroborates this positive reputation.

However, the Better Business Bureau (BBB) paints a less rosy picture. Despite being BBB-accredited with an A+ rating, Fetch has a low customer score there. Many reviews criticize the company for denying claims. This discrepancy suggests that while Fetch is generally reliable, it’s not without flaws. 

Given the BBB’s stringent accreditation process, this low rating is worth considering. Overall, reviews on platforms such as Trustpilot and Google can offer a balanced view, but always read multiple sources for a well-rounded understanding.

Does Fetch have a customer service team?

Fetch’s customer service team assists you with a range of needs, from policy inquiries to claims processing. The team is available via multiple channels, so you can choose the most convenient way to reach out. One standout feature is the interactive chatbot available 24/7, alongside live chat during specific hours for more personalized assistance.

Ways to contact Fetch:

  • Chat: Available 24/7 through an interactive chatbot. For live chat, hours are Monday to Friday, 9 a.m. – 8 p.m. Eastern, and Saturday, 10 a.m. – 6:30 p.m. Eastern
  • Email: [email protected] 
  • Phone:
    • Service: 1-866-467-3875, Monday to Friday, 9 a.m. – 6 p.m. Eastern
    • Sales: 1-866-984-0104, Monday to Friday, 8 a.m. – 9 p.m. Eastern; Saturday, 9 a.m. – 7 p.m. Eastern
  • Mailing address: P.O. Box 1489, Bolingbrook, IL 60440
  • Office address: 101 Greenwich Street, New York, NY 10006

How to apply for Fetch pet insurance

Fetch makes the application process quick and straightforward. The user interface is intuitive, and you only need a few minutes to get a personalized quote. Follow these steps to apply for Fetch pet insurance:

  1. Click the button: Navigate to Fetch’s homepage, and click the pink “Get your price” button.
  2. Input basic information:
    • Your pet’s name
    • Whether they are a dog or cat
    • Their breed and age
    • Your ZIP or postal code
    • Your email
  3. Get a quote: In less than a minute, Fetch shows you a quote based on its most popular coverage level. Here, you can customize the deductible, maximum annual payout, and reimbursement percentage.
  4. Finalize the application:
    • If you’re satisfied with the quote, click “Next.”
    • Provide your full name and home address.
    • Select your billing cycle: monthly, quarterly, or annual.
    • Enter your credit or debit card information.
    • Click “Submit.”
  5. Waiting period: After you’ve submitted, a waiting period applies. Fetch recommends scheduling a vet checkup right away so you can start claiming as soon as you’re eligible.

Fetch FAQ

Can you visit any veterinarian or emergency hospital?

Excellent news for pet parents: Fetch imposes no network restrictions. You’re free to visit any vet, emergency animal hospital, or specialist in the U.S. and most parts of Canada.

Is a medical exam required to enroll?

Fetch doesn’t require a medical exam for enrollment. You can sign up your pet and start enjoying coverage after a brief waiting period. However, the company recommends scheduling a vet visit right away to get the most out of your coverage.

Does Fetch pet insurance cover exotic pets?

Sorry, exotic animal enthusiasts. Fetch specializes in cats and dogs only. If you own a parrot, snake, or some other exotic pet, you’ll need to look elsewhere for coverage. (Nationwide will cover birds and exotic animals on a case-by-case basis.)

Can you add another pet to your policy?

Absolutely. Fetch makes it easy to add another pet to your policy. Just log in to your Fetch account and update your details. The premium will adjust automatically, and you’re all set.

Can you make changes to your policy?

Yes, you can. If you need to modify the terms of your policy, just contact Fetch customer service. Changes could affect your premium, so be prepared for potential adjustments.

Do you have to renew your policy each year?

Fetch policies renew automatically each year. Before the renewal date, you’ll get a notice about any changes to your plan or premium. You don’t need to act unless you want to modify or cancel your policy.

Can you cancel a policy?

You can cancel your Fetch policy anytime, without penalties. Just reach out to customer service by phone or email. Once canceled, you won’t be covered for any future vet visits, so make this decision carefully.

How we rated Fetch pet insurance

We designed LendEDU’s editorial rating system to help consumers identify companies that offer the best financial products. Our experts spend hours researching these companies each year to ensure our ratings are fresh and accurate.

Our most recent evaluation compared Fetch to several pet insurance companies across a number of factors, including coverage, customer reviews, terms, and costs. We weighted, scored, and combined these factors to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. We round all ratings to the nearest tenth decimal place.

ProductBest forOur rating
Pet insuranceBest coverage4.9 out of 5Get a quote