Highlights

• Comprehensive coverage for injuries, illnesses, medications, and more
• Insurance accepted at any licensed vet in the USA or Canada
• Exam fees included in coverage
• Dental care included for every tooth

Bottom Line

We love Fetch pet insurance for its straightforward policy and comprehensive coverage. In addition to providing coverage for alternative treatments and behavioral therapy (as provided by veterinarians), Fetch stands out from the pack by covering some breed-specific conditions like hip dysplasia and breathing troubles. With policies customizable by deductible, annual maximum, and reimbursement amounts, Fetch helps you find the right pet insurance policy for your needs at the right price.

About Fetch Pet Insurance

Fetch has been around since 2020, offering pet insurance to dog and cat owners across the U.S. They take the same passion for animal welfare they showcase worldwide and apply it to helping you take care of your pet with a straightforward pet insurance plan.

How Does Fetch Work?

Like most pet insurance companies, Fetch works on a reimbursement system. When you take your pet to the veterinarian, specialist, or emergency clinic, you’ll pay them directly. Next, you’ll file a claim by uploading your pet’s current medical records and the invoice for the treatment into Fetch’s app.

Once Fetch has evaluated the claim, they’ll reimburse you depending on what services are covered and your reimbursement rate. Depending on your policy, you can receive up to 90% back on covered services.

Fetch Pet Insurance Review: Pros and Cons

Fetch State Availability

Fetch is available to pet parents in all 50 U.S. states plus the District of Columbia.

Fetch Pet Insurance Plans

Fetch keeps pet insurance simple by offering one comprehensive plan:

Fetch’s Accident & Illness Pet Insurance Plan

Fetch’s pet insurance plan focuses on covering what pet parents are most worried about: the unexpected. It’s meant to help policyholders pay for treating a wide variety of injuries and illnesses if they occur during the policy’s term.

Fetch pet insurance has extensive coverage, and includes:

Exam Fees

• Emergency visits
• Virtual, in-home, and office visits
• Sick-visit exam fees
• Specialists

Diagnostics

• Blood tests
• Laboratory tests
• Ultrasounds
• X-rays and CT scans

Injury and Illness Treatments

• Allergies
• Cancer
• Dental and gum diseases
• Diabetes and insulin
• Heredity and congenital issues
• Hip dysplasia (if not a pre-existing condition)
• Prescription medication and supplements
• Surgery and rehabilitation
• Swallowed objects and toxins
• Vomiting and diarrhea

Alternative Treatments

• Acupuncture
• Behavioral therapy
• Chiropractic care
• Homeotherapy
• Physical therapy

Fetch’s coverage also includes a few less-common benefits like:

• Advertising and reward: if your pet goes missing, Fetch will help cover the cost of advertising and paying a reasonable reward amount for finding them (up to $1,000/year).
  
• Boarding fees: If your pet needs hospitalization, the fees for boarding your pet at a licensed facility can be covered (up to $1,000/year).
  
• Breed-specific issues: Some breeds are more prone to developing hip dysplasia or breathing problems. While some pet insurance companies have exclusions–they won’t cover certain breeds for certain conditions–Fetch doesn’t.

If your pet is injured or becomes ill while their policy is active, you can take them to any licensed veterinarian in the U.S. or Canada for treatment–including specialists and emergency clinics.

Like other pet insurance plans, you’ll need to meet your annual deductible first, but after that, you can receive up to 90% reimbursement from Fetch on all covered bills.

Fetch Pet Insurance Review: Policy Coverage at a Glance

What’s Not Covered

Fetch has many of the same coverage limitations and exclusions as other pet insurance companies. Fetch’s coverage plan doesn’t include:

• Pre-Existing Conditions: Fetch has a waiting period of up to 15 days, which means any ailment that happens up to 15 days after you sign up may not be eligible for coverage.
  
• Routine and/or Preventative Care: Fetch doesn’t cover annual visits, vaccinations, parasite medications, routine dental cleanings, or spay/neuter surgery–conditions usually covered in preventative care supplemental plans for other insurances.
  
• Late Claims: Claims submitted more than 90 days after treatment aren’t covered.
  
• Prescription Food: If your vet recommends a supplement as treatment for a covered condition, Fetch will help cover the cost, but it won’t cover prescription food.
  
• Grooming and/or Cosmetic Procedures: Fetch does not cover any cosmetic surgeries, such as declawing, tail docking, or ear trimming.

Fetch Coverage Options

Although Fetch only offers one standard level of coverage, there are still ways to customize your policy. To find the right balance of coverage vs financial savings, try tinkering around with your quote in these three ways:

Deductibles

The deductible is how much you’ll need to pay each year before Fetch starts reimbursing you for veterinary bills. Just like your own health insurance, the higher your annual deductible, the lower your monthly premium.

Fetch offers three levels of deductibles each for their cat and dog insurance policies:

• Dog insurance annual deductibles: $300, $500, and $700.
• Cat insurance annual deductibles: $250, $300, and $400.

Reimbursement Rates

After you’ve fully paid your deductible for the year, your reimbursement rate is what determines how much Fetch will pay you on each covered claim. For example, if you have a 90% reimbursement rate, you’ve already paid out your deductible, and you receive a new bill for $200, Fetch will pay you back $180.

For both cats and dogs, Fetch offers three different reimbursement rates: 70%, 80%, and 90%.

Coverage Limits

All pet insurance companies have annual coverage limits, i.e. the maximum that they’ll pay out per year. Fetch offers three tiers of annual payout limits: $5K, $10K, and $15K.

Restrictions and Waiting Periods

Like most pet insurance companies, Fetch has a waiting period before their insurance takes effect. This is to prevent people from buying pet insurance to cover a crisis and then immediately dropping it, which, if allowed, would cause sky-high premiums.

The waiting period is up to 15 days after enrollment before general coverage begins. Any condition that exists before applying or during that 15-day period may not be be eligible for coverage. Additionally, there is a 6-month waiting period before hip or knee injuries are covered (the waiting period for knees can be waived if a vet examines your pet for pre-existing conditions within 30 days of signing up).

How much does Fetch cost?

We’ve mentioned the primary ways you can adjust your policy to change how much it costs (deductibles, reimbursement rates, and annual payouts), but there are a few factors that aren’t quite so customizable. How much pet insurance costs is, in part, an assessment of risk. Underwriters look at what kind of pet you have (dog or cat), their gender, breed, and home location, to determine how likely it is they’ll become injured or sick, and how much it will cost to treat them.

We’ve provided the following sample estimates to help give an idea, but most likely your quote will look different from ours.

Fetch Dog Insurance

Pet insurance prices for dogs vary the most by dog breed. Age is definitely still a factor (and the older your pet, generally the more expensive it is to start insuring them), but we’ve found that the best way to show samples of dog insurance costs is to look at different breeds.

Our sample quote is for a dog named Hamlet, who is:

• 2 years old
• Lives in Chicago

And has a policy that includes:

• Max Annual Payout: $5,000
• Reimbursement Rate: 80%

Estimates accurate as of 12/6/2022.

Fetch Cat Insurance

Pet insurance prices for cats are fairly consistent across breeds, so instead we’re highlighting how much Fetch pet insurance costs for different ages of cats. Our cat Ophelia is a mixed breed living in Chicago, with policy details:

• Max Annual Payout: $5,000
• Reimbursement Rate: 80%

Estimates accurate as of 12/6/2022.

Fetch Consumer Experience

Website:

Fetch’s website is easy to navigate and informative, with resources both for people who are shopping for pet insurance as well as for general information about taking care of your pets. Their blog, “The Dig,” is full of helpful articles from discussing training and health concerns to finally answering what exactly is catnip, and how to make dog treats at home.

App:

Fetch’s app makes it easy to keep track of your account and submit claims. You can review your pet’s information, review policy details, track the status of any claims you make, and see your full claims history. Additionally, you’ll get a full breakdown of how your reimbursement is calculated.

As a quick note: the most common complaint we found about Fetch’s app is that it’s a bit time-consuming to upload your pet’s entire medical history through it. We recommend getting your account established via the website first, before using the app for convenience.

Claims:

Claims can be submitted through your account either via the website or through the app. You’ll need to submit both a finalized invoice from your vet as well as your pet’s detailed medical records. Claims are typically processed within 15 days of receiving all required documents, after which Fetch will send out your reimbursement–by direct deposit if you’ve set it up, otherwise by check.

Customer Service:

Both Fetch’s website and app provide a 24/7 chatbot to answer commonly asked questions. Live chat is available Mondays through Fridays, 8am to 8pm EST, and Saturdays 10am to 6:30pm EST. Customer service is also available via phone Mondays through Fridays, 9am to 6pm EST.

FAQ

Does Fetch offer discounts?

Fetch offers a military discount to veterans and active military, as well as a discount for current AARP members. The maximum possible discount Fetch offers is 10%, and may not be available in all states.

How long is the waiting period for Fetch policies?

Fetch has an up to 15 day waiting period after enrollment before coverage begins, as well as a 6-month waiting period for hip and knee injuries.

How do I file a pet insurance claim with Fetch?

You can file a claim through your account either via Fetch’s website or app. Simply upload the required documents, hit submit, and wait for your claim to process.

How do I cancel Fetch Pet Insurance?

To cancel your policy, Fetch asks you to call their customer support phone line, available Monday through Friday, 9am to 6pm EST.

Is Fetch Pet Insurance Worth It?

In short, yes. We recommend Fetch pet insurance for dog and cat owners looking for extensive coverage and a customizable policy. It’s especially great for pets whose breeds are prone to certain genetic conditions; where many pet insurance companies exclude breed-related conditions from coverage, Fetch has your back, providing coverage for hip dysplasia and breathing problems. Fetch also comes with many additional benefits that take their pet insurance policies to the next level, providing coverage for boarding fees, advertising costs for lost pets, and alternative therapies.