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
This company has the worst customer service. I have been running in circles trying to get more information on why my pet’s claim was declined. Each email and phone call they give me the same general answer of “it was a pre-existing condition” but when I ask how this is determined and show proof that it was not a pre-existing condition they cannot give me any information. They will deem everything pre-existing so they do not reimburse anything. Customer service is all run by bots so it is extremely difficult to talk to a real person.
5
out of 5
POSTED:
| BY: KK
Great Agent patient, knowledgeable, and responsive
New client just signed up for our new family member. Agent Amanda has been very patient, knowledgeable and responsive answering all my questions. My main concerns are the increase of premium over time and definition of pre-existing conditions because our new cat is already 2yrs old. Amanda explained about Fetch's distinction between curable and incurable pre-existing conditions, and once the no-claim period is met, re-occurring curable PC like UTI, ear infections will be covered, and I definitely hope that this will be fulfilled. Amanda also explained that the adjustment of premium is based on the geographic data of the postal code but not personal client-specific. There are also no-claim discounts for 1 and 2 years, so I can now understand the rationale of reviews where people said the premium went up after claims. I'll provide update of the review in future with claim experience.
Amanda was super helpful and friendly, and gave clear and concise dates as to when I'd be able to make amendments to my policy package so I left the call with no confusion on my end.
Every year, Fetch will raise your premium, increase your deductible and reduce the reimbursement rate. STAY AWAY!!!!
2022
Annual Payment: $1534.14
Deductible: $350.00
Reimbursement rate - 80%
2023
Annual Payment: $2024.63
Deductible: $350.00
Reimbursement rate - 80%
2024
Annual Premium¹ $3060.87
Deductible$350
Reimbursement rate - 80%
2025
Annual Premium¹ $3531.90
Deductible $500.0
Reimbursement rate - 70%
UPDATE – May 15, 2025
I called Fetch, as instructed in their response, and was transferred to Tracy, a customer advocate—presumably a step above a typical customer service representative. Initially, Tracy offered me the same policy I had last year: $15,000 coverage, $350 deductible, and 80% reimbursement—for $360.84 per month or $4,330.08 annually. I was prepared to accept this just to maintain my coverage without further hassle.
However, after checking another system, Tracy reversed her position and reverted to offering a $500 deductible with 70% coverage. When I questioned the change, she began citing company policy and individual risk assessments. The inconsistency and lack of transparency are incredibly frustrating. BEWARE!
Fetch has not been the same since the change in ownership. I’m now waiting to hear back from her supervisor.
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
