5
out of 5
POSTED: | BY: Cami Crosby
Josh Sabado was friendly and very…
Josh Sabado was friendly and very helpful with the issue I had. Thanks Josh!
Read more on Trustpilot
4.9
out of 5
Number of reviews 5,204
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
2
out of 5
POSTED: | BY: Selena
They increase your monthly payment by $20-30 every year
If you take your dog to the vet they will increase your monthly payment the next year. My dog had a $68 monthly rate and they raised it to $88/ month because of her vet history last year.
But in then in the email they sent they claimed it was because of “inflation.” Really breaks trust with customers when narratives don’t line up.
They lock you in at a low price. And then raise the price once your pet goes to the vet. And they know you can’t leave anywhere else because insurance companies don’t cover conditions that have already been verified by the vet. So you’re kinda stuck paying whatever they tell you to at that point.
Super bummed because I really liked fetch insurance. I thought they really cared about pets, but now I realized it’s all about $$.
1
out of 5
VETERINARIAN: Vineyard Veterinary Hospital
POSTED: | BY: Sheila
read the fine print carefully
I purchased this pet insurance in June 2025. I had another pet insurance provider prior to that my Shih Tzu who is six developed an ear infection. The vet bill for the ear infection was $525. Fetch only covered $25.. And none of the $500 remaining went toward the annual deductible. It was explained that because he had had an ear infection over a year ago with my other pet insurance. It was considered a pre-existing condition even though the previous ear infection had completely cleared up. So I was then told well I should’ve gone back to the vet after his ear infection cleared up to confirm that his ear infection was no longer existing. It was never explained to me that an ear infection would be considered a pre-existing condition since dogs pretty commonly get ear infections, but they are cleared up easily with medications. The representative went on to explain to me that I should’ve read the fine print before purchasing the insurance because my puppy was six years old when I bought the insurance. I would not recommend fetch pet insurance to anyone. Nothing was explained to me correctly and I’m out a lot of money because I trusted that the ear infection and allergy would be covered.
5
out of 5
POSTED: | BY: Janet
Aileen
I worked with Aileen and she was very helpful and answered all my questions. Her Customer Service was great
5
out of 5
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