5
out of 5
POSTED: | BY: Catherine B
Very easy to use
Very easy to use. Honest explanations. Great value for the money
Read more on Trustpilot
4.9
out of 5
Number of reviews 5,986
Fetch offers the most comprehensive pet insurance
Get paid back up to 90% on unexpected vet bills
Save $25 or more with quarterly or annual payments
$1000 in online vet visits included at no extra cost
Protecting 500,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
Exam fees are included which saves you $50-$250 per sick visit
Optional coverage for routine and preventive care.
Fetch covers hereditary conditions at no extra cost
Fetch covers injury and disease in every adult tooth – not just the canines
Use any licensed vet in the U.S. or Canada
Fetch covers what other providers charge extra for or don’t cover at all
1
out of 5
POSTED: | BY: Rafael Gavidia
Terrible
Terrible, had a $500 out of pocket. sent all paperwork and proof and they said they needed more so we went to all the vets, asked on the phone, verified the papers, resubmitted them, and yet we did not receive a single penny back from the $2,000 spent on one of my kitties emergency funds. Not only that but we don’t have the money to keep the treatment going so he won’t get better. ABSOLUTE WASTE OF TIME AND MONEY… now I might have to get rid of my kitty because of the extensive bills that the insurance said they would cover and failed to do so. truly disappointed especially for a company that’s supposed to make sure all of our babies are protected.
(Below i have provide one of the many policy numbers)
5
out of 5
POSTED: | BY: KH
I called Fetch and spoke with Josh
I called Fetch and spoke with Josh. Josh was super helpful in answering all my questions so I could finalize the policy for our new cat. Previously I emailed with Amanda who was also very helpful.
Thank you!
5
out of 5
POSTED: | BY: Kramer
Carly was incredibly helpful and…
Carly was incredibly helpful and knowledgeable. She did a great job guiding me through the process of getting pet insurance for our new puppies and made everything easy to understand. I really appreciated her patience and support—highly recommend working with her!
2
out of 5
POSTED: | BY: CMB
Outrageous increased premiums after illness
As my dog aged, insurance premiums increased, as most pet insurance does. However, when my dog had a medical issue after 10 years with the insurance, the premiums almost doubled (to $400/month in 2025). Most shockingly, my dog didn’t require surgery, nor any expensive treatments or tests (analgesics and crating only), just several visits to the vet. Now, I can’t switch to another insurance because she has a pre-existing condition. Fetch doesn’t work like a true insurance, in which the risks are distributed amongst the insured pool, they get their money back from you in the subsequent months. They can do that because you are now trapped with them due the pre existing condition
Monthly Cost
Plans average $35/month for dogs and $25 /month for cats
Coverage
You choose a reimbursement level of 70%, 80% or 90% after your deductible.
Payout Limits
Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.
Deductible
$250, $300 and $500
Age Limits
Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.
Some providers limit coverage for older pets to accident-only.
Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.
Waiting Period
Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.
Exclusions
Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.
Fetch Pet Insurance brings together insurance industry expertise and the animal-loving sensibility of The Dodo.
It’s the only pet insurance recommended by the #1 animal brand in the world, The Dodo