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 400,000+ 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
I've never had pet insurance but thought it might be a good idea with my new pup. Amanda really helped by explaining all the coverage. Her personal service made this a great experience. I hope I never need it but I feel better knowing it is there if something happens to Bodhi!! Thanks!!
So impressed with Fetch Insurance, The coverage was great, premiums were good, claims processing was quick and customer service was tops. Would recommend to anyone, especially to first time pet owners like we were. Unfortunately, our sweet puppy had a major heart defect which ended his life at 7 months and the costs for his care were quite high. The coverage and customer service during this difficult time were tremendous.
5
out of 5
POSTED:
| BY: Meeshka
Justin W
Justin W. responded to my call inquiring about the details of insurance coverage for my cat, Nala. Through the years, I have had at least 1 cat, if not more, and am absolutely aware of costs of getting the best care possible for my cats. While I have had cats, I have never had pet insurance. With costs being so high for many vet services, I decided that this time 'round, ensuring best care for Nala means having insurance to keep her health in check. Justin W. was professional, patient, and knowledgeable. He advised me of the benefits available, and ensured I understood the specifics of the policy re coverage for my fur baby. After answering all my questions,the call concluded with me having peace of mind knowing if Nala needs medical attention, she will get it without it causing hardship to either her or me. Insurance or not, she would get whatever help she needs, but knowing I have coverage to help with her needs gives me peace of mind. Thank you Justin for your kindness, and patience. You represent Fetch Insurance in the most professional manner possible, and are an absolute asset to your employer. Thanks for your help!
After posting my original 1 star review (left in tact below), the company responded with the contact number to discuss with an agent and it appears the error will be corrected. Other than this instance, the rest of my experience with Fetch has been very good so I am changing my rating.
[ORIGINAL POST: June 9 /2025
TITLE: Bots limited service. Inconsistent application of policies for checking invoices claimed.
BODY Appears to be run by bots which is fine if everything goes smoothly, but not good when it doesn't. Good luck trying to find a person of phone number to handle errors. The system was quick to remove uncovered veterinary prescribed food on one invoice (which is fine), but then failed to remove the refund for same food from the next invoice claimed. Ridiculous. ]
AVOID AT ALL COSTS – This Company Does Not Care About Your Pet
I’ve been with this company for over 4 years, paying premiums faithfully every month to ensure my dog was covered in case of health issues. Like many pet owners, I got insurance to help during emergencies—not to be punished for actually using it.
Over the years, my dog developed health conditions (which is exactly why we get insurance), and I submitted claims when needed. Now, I’m being hit with a massive premium increase—from $83 to over $128 a month—because I used the insurance I paid for. Disgusting.
What makes it worse is that no other provider will take on my dog now due to pre-existing conditions, so I’m stuck with this company that clearly doesn’t care about animals or loyal customers. It’s a trap, and it feels like a scam. I now have to consider a second job just to afford this nonsense.
This company claims to care about pets, but in my experience, they only care about profit. Please do your research and think twice before signing up. Once you're in, they know you have no way out—and they take full advantage of that.
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