Fetch | Pet Insurance Review


out of 5

Number of reviews 119

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 4.7
  • 4.7
  • Count
  • 4
  • 119
  • 119
Fetch offers the most comprehensive pet insurance and health advice for dogs and cats, and is the only provider recommended by the #1 animal brand in the world, The Dodo. Fetch is trusted by the top no-kill shelters in the U.S. and Canada, and is the exclusive pet insurance provider for AARP members.

out of 5

POSTED: | BY: Sara Varacalli


They were never available when I really need information or pre approval. The agents have the information, but often times the information on why a claim Was denied makes ZERO SENSE. I had my cat euthanized (paralyzed. Stopped eating, was sick for months, ended up having a tumour) — I called to cancel and they said I could claim His euthanasia. When I tried, they made it SO DIFFICULT. I needed all of his vet files, and chiro files (even though the chiro wasn’t covered anyway)….. just ridiculous every time I’ve really needed something.

out of 5

POSTED: | BY: Jeremy Kouwenhoven

Misleading pricing. Massive premium increases.

I’m very unimpressed with the misleading pricing and large premium jumps that I’ve experienced with Fetch pet insurance. I was told that by insuring my new puppy from a young age that I’d secure lower rates. What started out around $47/month and even though I’ve never made a claim it bumped a little each year until it was over $60 by age 5. At age 6 it jumped to $93.09/month and I just got the renewal notice for 2023 at $117.58/month. I can not offer a review regarding ease of claims or coverage because I’ve never used it, but The customer service agent was rude when I called to inquire about the large increase. My friend uses trupanion and is really happy with them. I’m going to look into them. Maybe I’ll just drop the insurance all together and put the money i would’ve spent on premiums into savings.

out of 5

POSTED: | BY: Sherry Urquhart

Unpaid claims

I have a cat that started showing signs of IBS, I put in 3 claims within a week of each other. That was at the beginning of September since then they continually tell me they need more documentation. My vet submitted all their requested paperwork, I got the paperwork from the vet and submitted it, but it keeps saying more documentation is needed. I've had it, I am filing a claim against them in court, plus contacting the Windsor Star and my MP. Worst company I have ever dealt with!

out of 5

POSTED: | BY: Ashley Piecul


I originally signed up with PetPlan and they sold to Fetch. I have had problems with this company since the moment they took over. They raised my monthly plan by an additional $20 a month and covered a lot less things. Also, their website is broken so you cant even chat with a person on it you can only click the pre-typed chat prompts, it does not let you type yourself. I have paid $660 in insurance fees thus far this year and over $700 at the vet and yet I have somehow not hit my $500 deductible because they do not cover many of the things my former plan with PetPlan did cover. The customer service people are rude and do not explain anything, they just direct me to their website which is poorly designed and barely works. I immediately cancelled my plan with them after they told me basically "that sucks" when I expressed my frustration with having paid over $1300 and seeing nothing in return. I wish PetPlan never sold to them because they were great, and Fetch is awful. Also, you can only cancel your membership on the phone, and they have no phone number posted on their website. Therefore you have to use the broken chat to try and talk to a person to obtain the phone number to cancel. I had to take screenshots of my text in the notes app and drag them into the chat just to type my own sentences and ask for a phone number.

out of 5

POSTED: | BY: Kathia Ferreira

False advertising

False advertising coverage. It is right there when you purchase that they cover preexisting condition but when I discovered that my puppy had a heart murmur., then it was no covered because he was born with that. How come????

Monthly Cost

Plans average $35/month for dogs and $25 /month for cats


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.


$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 15 days for accidents and illnesses and six months for orthopedic events.


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 by The Dodo 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

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