Fetch | Pet Insurance Review


out of 5

Number of reviews 1,625

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.0
  • 1.4
  • 4.9
  • Count
  • 3
  • 49
  • 1,625

Updated: January 30, 2024

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

out of 5

POSTED: | BY: Kim Magner

Fetch - Notice how they Calculate Claims with a Deductible

Fetch reimbursed my Cat's emergency pancreatitis claims with no issues at all - very quickly actually. First time that I ever had to file a claim. The only peeve I have is the claim calculation when you still need to meet the deductible. I discovered it is calculated by taking the total amount of the claim, multiplied by your co-pay deduction first (say 10%), then the deducible amount is deducted after rather than vice versa. This means that you actually pay more, and they pay less - this is kind of sneaky in my opinion. All in all, this insurance has been great for my pet.

out of 5

POSTED: | BY: Irene Timlina

Im always charged twice for a one month…

Im always charged twice for a one month payments. Always takes time to call and ask to cancel accidental charge and it takes forever. VERY ANNOYING .

out of 5

POSTED: | BY: vaty

Superior and seamless Customer Service interaction with Joelle

We've had pet insurance policies for our 2 cats for only a few months, but due to unforseen financial circumstances have had to cancel the policies, today. (For now, only.) I just finished my phone conversation with one of their customer service agents, Joelle, who came across as being very sweet, kind, competent, and compassionate. Not ever having to contact them before, I had no idea what to expect though the thought that they might try a 'hard-sales approach' to keep me from canceling did cross my mind. I'm so very happily relieved, and appreciative, that this was not the case. Joelle handled the issue competently and quickly. Because of my seamless and effortless interaction with Joelle, I will most definitely have both policies reinstated as soon as finances allow.

out of 5

POSTED: | BY: Obie Sue D Thomas

5 Star customer service

I had the pleasure of talking with Denise and want to compliment her on her excellent customer skills. She was very knowledgeable , professional , and personable. Unfortunately, I recently had to re-home my dog for medical reasons and I appreciated her concern and empathy regarding my situation. Someday, I will have another dog and will reinstate the insurance policy. Thank you .

out of 5

POSTED: | BY: Lisa Anne Clark Stearnes

Such an easy stress free process

Such an easy stress free process! I only had this insurance for 6 months when my French IR need soft palette reduction surgery that was around $3800. I submitted the approximate cost for pre approval and everything was handled and approved within a few days. No hassle whatsoever. It’s already paid itself 10x over!

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 up to 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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