Fetch | Pet Insurance Review


out of 5

Number of reviews 1,243

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.6
  • 1.4
  • 4.9
  • Count
  • 13
  • 46
  • 1,243
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: Paul Contois

Easy to create and submit a claim

The process for creating and submitting a claim is easy enough. I'm still waiting for the claim to be reviewed though.

out of 5


I have had fetch insurance for a few…

I have had fetch insurance for a few years and have never had to use it.In July 2022 I had to take my dog to the vet because he didn’t seem right.He was diagnosed with anaplasmosis and I submitted an er bill and two follow up bills.They asked for medical history so I submitted that also.Then they asked for flea and tick prevention receipts.He has a seresto collar on from March to November then I use wondercide from November til March.I did not have receipts for purchase.I buy when they are on sale and never thought to save receipts for it so I sent in pictures of what I have.They told me they didn’t think it would be accepted because I don’t have receipts and I could have just had the stuff laying around??Who would go out and buy flea and tick prevention and just leave it laying around the house for no apparent reason? Seems they are trying to find anyway possible to get out of paying a claim.His policy has doubled within the past two years with no claims submitted for anything.What these claims amount to is not even what I pay out in a year for him.Do better Fetch.No one would just have flea and tick treatments laying around for no apparent reason.I hope u see this is fix this problem and pay like you should be.to add to reply:I am not as worried at premium as I am about u not paying this claim or that the supervisor changed the claim in the system and resubmitted it.He also couldn’t answer where in the policy it states that u do not pay for tick related diseases.It states you do not pay or reimburse for tick and flea protection-big difference.I told him you may want to rewrite entire policy on this because there is nothing that states that or that states you need flea and tick prevention receipts for the entire year before.I submitted receipts that the pet store manager took alot of time to find and am waiting to hear back.So ridiculous.Please rewrite your policy correctly and pay what u should pay.

out of 5

POSTED: | BY: Andrew Menaquale

Next to zero coverage for claims

We recently adopted a rescue dog and when he arrived to DC he developed allergies. We took him in for his first vet visit and they identified an unknown allergy. We tried the initial vet suggestion of fish oil (for the skin) and Zyrtec, but neither of those worked. We then got Fetch pet insurance, and after the 15-day waiting period expired, we went back to the vet to get him reevaluated. They ran tests and gave him an allergy shot and some pills and a spray (which totaled in the hundreds of dollars). However, since the first vet visit listed an unknown allergy, they considered the whole experience a pre-existing condition. I called to get some clarity on this policy, and they informed me that all future allergy treatments would thus be considered "pre-existing" since it was on his first vet record, and wouldn't be covered. I will be looking elsewhere for pet insurance, as the entire process has been cumbersome and frustrating, and Fetch is just taking in premiums and not paying out claims. I'm wondering why I have pet insurance if these claims aren't covered.

out of 5

POSTED: | BY: Rosanna

Had to take my dog for shots and i did…

Had to take my dog for shots and i did not expect a big bill got quick and easy answer

out of 5

POSTED: | BY: Brian Calderon

Knee surgery and a few other visits…

Knee surgery and a few other visits without hesitaion have been paid in a timely manner.

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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