Fetch Pet Insurance Reviews: How It Stacks Up (2024)

If you’re looking for a comprehensive injury and illness plan that doesn’t require purchasing add-ons, you should consider Fetch pet insurance.

Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated December 18, 2023

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Fetch keeps pet insurance simple with one comprehensive injury and illness plan for cats and dogs. You can use Fetch at any veterinarian in the United States or Canada, and enrollment is free. To submit a claim, log onto the Fetch app, take a picture of your paid vet bill, answer a few questions, and submit. You can expect payment in as little as two days through direct deposit.

Quick Facts
  • On average, it costs $35 per month to insure your dog with Fetch pet insurance.

  • You can also cover your pet for vaccinations and annual exams with Fetch wellness coverage.

  • Fetch doesn’t cover pre-existing conditions.

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Fetch pet insurance: Our verdict

If you’re looking for comprehensive coverage that doesn’t require purchasing add-ons, you might want to consider Fetch. Fetch simplifies pet insurance by offering one comprehensive plan for cats and dogs. Unlike many of its competitors, Fetch coverage includes things like dental care and exam fees.

Since Fetch only offers one comprehensive plan, you might find the premiums higher than those of some other pet insurance companies. If you want to keep your costs low with an accident-only plan, Fetch might not be the right fit.

Fetch pet insurance pros and cons

Fetch has both pros and cons you’ll want to consider before applying for coverage. Ultimately, your decision comes down to your financial situation and your pet’s specific needs.

Pros
  • Visit any veterinarian in the U.S. or Canada

  • No enrollment fee

  • Can cancel at any time

Cons
  • Six-month waiting period before hip and knee injuries are covered[1]

  • Doesn’t include routine and preventive coverage

  • No accident-only coverage options

Fetch pet insurance plans and coverages

Fetch offers pet owners one comprehensive illness and injury plan for kittens, cats, puppies, and dogs. Unlike other pet insurers, Fetch doesn’t charge extra for particular services. For example, Fetch insurance plans include sick-visit exam fees, up to $1,000 per year in behavioral therapy, and boarding fees up to $1,000 per year.

If your pet goes missing, Fetch will provide up to $1,000 per year toward the cost of advertising and providing a reward, as well as coverage for your pet’s adult teeth and gums.[2]

Fetch Injury and Illness Plan

The Fetch illness and injury plan includes:

  • Acupuncture and chiropractic care

  • Allergies

  • Breed-specific issues, including hip dysplasia

  • Blood tests

  • Boarding fees

  • Cancer treatment

  • Diabetes and insulin

  • Emergency vet visits

  • Every tooth

  • Gum disease

  • Hereditary and congenital issues

  • Hospital stays

  • Lab tests

  • Physical therapy

  • Prescription medications and supplements

  • Sick-visit exam fees

  • Specialists

  • Surgeries

  • Swallowed objects and toxins

  • Treatment for aggression and separation anxiety

  • Ultrasounds

  • Virtual, in-home, and office visits

  • Vomiting and diarrhea

  • X-rays and CT scans

Good to Know

The Fetch insurance plan is flexible, offering three different annual payout options of $15,000, $10,000, and $5,000. You can also select from reimbursement rates of 90%, 80%, and 70%. Annual deductibles for dogs are $700, $500, and $300. For cats, you can select a deductible of $400, $300, or $250.

Fetch Wellness Plan

You have the option of adding routine and preventative coverage for your pet with Fetch Wellness. With wellness coverage, your pet is covered for things like vaccinations and annual exams. You can choose from three tiers:

  • Essential: $11 per month

  • Advantage: $20 per month

  • Prime: $32 per month

The table below lists what each plan contributes toward your pet's health expenses.[3]

CoverageEssentialAdvantagePrime
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, and 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
MicrochippingN/A$20$30
Anal gland expressionN/A$20$20
Behavioral examN/AN/A$25
Health certificateN/AN/A$30
Activity monitorN/AN/A$50

What Fetch pet insurance doesn’t cover

Similar to many other pet insurance companies, Fetch doesn’t cover pre-existing conditions. This includes medical conditions that occur before the effective date of your policy or during the 15-day waiting period.[4]

Fetch also doesn’t cover:

  • Claims filed during the waiting period

  • Claims filed more than 90 days after treatment

  • Costs arising from breeding, pregnancy, whelping or nursing, or treatment of offspring

  • Grooming and cosmetic procedures

  • Prescription food

  • Routine and preventive care, such as vaccinations, preventive medications, routine examinations, dental prophylaxis, and treatments for weight loss[5]

How much does Fetch pet insurance cost?

Fetch charges an average of $35 per month for pet insurance for dogs and $20 per month for cat insurance. Your exact price will vary based on several variables, including your pet’s age, breed, and location.[6]

Your monthly premium can also go up or down depending on the annual payout, annual deductible, and reimbursement rates you choose.

When determining price, Fetch doesn’t consider the sex of your pet, whether you’ve had your pet spayed or neutered, its medical and behavioral history, or its indoor or outdoor status.[6]

With Fetch, you can choose to pay monthly, quarterly, or annually. You can save money if you choose to pay quarterly or annually.

How Much Is Pet Insurance in 2024?

How Much Is Pet Insurance in 2024?

Cost of Fetch dog insurance

For a medium-sized 2-year-old mixed-breed dog living in Connecticut, Fetch pet insurance costs $50 per month. Your exact rate will vary based on your own pet’s characteristics.

Cost of Fetch cat insurance

For a 2-year-old American shorthair purebred cat living in Connecticut, Fetch pet insurance costs $31 per month. Your exact rate will vary based on your own pet’s characteristics.

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How customers feel about Fetch pet insurance

Fetch pet insurance has a 4.3-star rating on Trustpilot based on more than 1,500 reviews.[7] In general, reviewers are happy with the customer service at Fetch and find the policy easy to understand and use.

Some of the complaints about Fetch were from customers who didn’t realize that yearly pet wellness exams are a requirement. When submitting a claim, Fetch requests detailed medical records, including a recent annual exam. Without a recent checkup, Fetch states that it “might not be able to process your claims.”

The bottom line: Is Fetch pet insurance worth it?

Pet insurance can help pet owners avoid pricey vet bills if their furry friend gets sick or keeps getting into accidents. Insurance at Fetch is slightly pricier than some other insurers but provides a comprehensive illness and injury plan. It offers coverage for things that many other companies don’t include, such as sick-visit exam fees and boarding fees.

If your goal is to keep costs down and you want an accident-only plan, Fetch might not be the right option for you. However, if you want a straightforward and comprehensive plan that doesn’t require a lot of add-ons, Fetch is worth checking out.

Fetch pet insurance FAQs

Below are answers to some of the most commonly asked questions about Fetch pet insurance.

  • How does Fetch insurance work?

    Fetch insurance offers one comprehensive injury and illness insurance policy. You select the deductible, the annual limit for payout, and the reimbursement rate. When it’s time to submit a claim, you can visit any licensed vet in Canada or the U.S. With the Fetch mobile app, just snap a picture of your paid vet bill and upload it. Once your claim is approved, you can expect payment within a few days.

  • Is Fetch pet insurance accepted everywhere?

    You can use Fetch pet insurance at any licensed veterinarian in the United States or Canada. Fetch pet insurance doesn’t require you to adhere to any vet networks.

  • Is Fetch insurance reliable?

    Fetch has an A+ rating with the Better Business Bureau, as well as a 4.3-star rating on Trustpilot.[8] To determine if Fetch pet insurance is right for you, take some time to research the company and check out customer reviews.

  • How do you contact Fetch pet insurance customer service?

    You can contact Fetch pet insurance customer service during business hours, Monday through Friday from 9 a.m. to 6 p.m. Eastern time at 1 (866) 467-3875. Fetch offers a live chat option where you can speak with a member experience specialist Monday through Friday from 9 a.m. to 8 p.m. and Saturday from 10 a.m. to 6:30 p.m. Fetch also has an interactive chatbot available 24/7 to help answer your questions.

  • How do you cancel Fetch pet insurance?

    To cancel your Fetch pet insurance policy, you can call 1 (866) 467-3875 Monday through Friday from 9 a.m. to 6 p.m. Eastern time or email Fetch at info@fetchpet.com. With Fetch, you can cancel your policy at any time.[9]

Sources

  1. Fetch. "What is the waiting period?."
  2. Fetch. "What’s covered?."
  3. Fetch. "Quote."
  4. Fetch. "Dog Insurance."
  5. Fetch. "Terms and Conditions."
  6. Fetch. "How Much Does Pet Insurance Cost?."
  7. Trustpilot. "Fetch Pet Insurance."
  8. Better Business Bureau. "Fetch, Incorporated."
  9. Fetch. "How to cancel my Fetch Pet Insurance policy?."
Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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