Fetch | Pet Insurance Review


out of 5

Number of reviews 882

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.4
  • 3.9
  • 4.9
  • Count
  • 11
  • 97
  • 882
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 370,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot Exam fees are included which saves you $50-$250 per sick visit No enrollment fee – cancel anytime. 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

out of 5

POSTED: | BY: carol lindsay

Don't expect an answer

I had a simple question: Does Fetch cover deciduous tooth removal. What a JOKE!!!! It's a yes or no question. This is the conversation that followed While we are not able to confirm or deny specific coverage without a claim being filed, I can say that your policy is set to cover any non-routine dental procedures, such as medically necessary cleanings due to gum disease, tooth extractions, etc. We can only cover these treatments as long as the issues themselves were not pre-existing to your policy. well, when she was a puppy she only had one set of teeth and now she has two....soooo..... is that pre-existing. Rico profile We are not able to confirm until a claim has been filed since this will be based on the medical history of your pet. In general, any condition or clinical signs or symptoms that your pet has before the policy started or within your waiting period is pre-existing to your policy. that is most unhelpful. Have a great day. Rico profile I absolutely understand your concern but this is how your policy's coverage works. But in the meantime, Is there anything else I can assist you with? Rico profile Thank you, Carol, for reaching out! A short survey will appear in this chat below. We greatly appreciate any feedback you may have.

out of 5

POSTED: | BY: Debra

Will do anything to deny claims

Im sorry I paid premiums to this company. My dog, a Labrador Retriever, has had a pre-existing condition which I know won’t be covered- EVER. But this company would not cover his annual well check because the vet did an ear check while there. This insurance company is a donation to their company.

out of 5

POSTED: | BY: Lior Bugatus

Price jacking / blackmail

Fetch insurance is at it again. This time instead of trying to wiggle out of playing valid claims or running me through unnecessary hoops like getting RX for syringes, they simply just upped the premium >50% just like that, without any reason or context. Calling them, they claimed it's because "factors have changed", but refused to provide any detailed reasons as to what factors have changed. The only thing that changes is that the cat actually needed treatment, and they actually had to pay. Of course now I have a pet with "preexisting condition", which THEY KNOW, so they allow themselves to blackmail for 50% more this year (and who knows how much next?). In short: Fetch will insure your pet, as long as they don't get sick. Then they will just roll the costs over to you, because that's how they roll. I wouldn't trust Fetch long-term to not continue acting in bad faith and in the best interest of their bottom line rather than their customers and their pets. Update after Fetch response: I did try to contact your support, and your representative were unable or unwilling to provide detailed reasoning behind a 50% increase in premium. To your point- I have been paying A VERY expensive premium for many years, on the expectation that if my got sick, it would have been worth it. I did not expect my insurance company to underhandedly try and extort me for 50% premium increase when my pet needed treatment. The way you do business is not customer-friendly, and everyone considering your insurance should know how you conduct yourself.

out of 5

POSTED: | BY: Fernanda Diniz

I NEVER recommended Fetch to…

I NEVER recommended Fetch to anyone!!!!!! I opened a claim for reimbursement of a hospital emergency for my dog that was vomiting and with bloody stools, and it was denied claiming that it is pre-existing conditions because it had a previous diarrhea less than 1 year ago. But an emergency occurred, not a precondition. My dog does not have any illnesses, as seen on its record, it had diarrhea and vomiting. When a human goes to the hospital with diarrhea and vomiting isn't it an emergency? Why is it diferent for a dog?

out of 5

POSTED: | BY: Larry Seitz

Denied claim from SPCA adopted cat

I adopted my 4 year old, healthy female cat from the SPCA on 12/28/22. I purchased insurance from FETCH at the SPCA that day. On 3/9/23, my cat became ill. I called 3 vets to get an appointment. The soonest available appointment was in 4 days. Rather than wait, I took her to an urgent care Vet on 3/10/23. I submitted the Vet's paperwork and receipt with my claim within 2 weeks of her visit. I received a request from FETCH's claim reviewer about 2 weeks later. To complete their review, FETCH needed evidence of a recent medical exam that would indicate she was in 'good health' dated no more that 6 months before the date of her urgent care visit. I submitted a copy of the cat's 'Complete Medical History', given to me by the SPCA, a 2-page health summary which included: Identification, Vaccine history and due dates, Treatments history and due dates, Diagnostic tests, and a complete physical exam by the SPCAs own veterinarian. My claim was denied, because there were 'no notes' on the exam. I went back to the SPCA to get any additional information they had. The SPCA confirmed that their vet had seen my cat and gave her a clean bill of health. In fact, the SPCA even spoke with FETCH and my claim was still denied. After a few more weeks, FETCH's inhouse team, tasked with denying payment of claims, did some indepth research. Much to my suprise, FETCH discovered that the SPCA VET is a licenced Vet technician--according to her linkedin profile. This infuriates me even more. The SPCA, who sold me the insurance, and likely gets a kickback from the sale of the policy, told me their "VET" examined the cat and gave her a 'clean bill of heath.' So the way I see it, the insurance company and the non-profit are in kahoots together, and the little guy gets burnt. Do your homework, these companies are scams. AND I will never donate to the SPCA again.

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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