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
TERRIBLE COMPANY. This company is incompetent.
They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve. I then used their Rx platform to order my dogs antibiotics, I paid for next day shipping. Well it's been 6 days and my pets meds are still not here. When I asked about it, they said someone used a USPS label instead of the FedEx label they were supposed to use that I paid for. The rep said that it would be delivered today, but now it's saying tomorrow. What the heck. I HATE THIS COMPANY. I have never used such a sad excuse for a pet insurance company till Fetch. My pet is battling pneumonia and a collapsed lung and has been without his antibiotics for an ENTIRE WEEK. While the reps are competent and accommodating, the company they work for is such a scam. I am spreading this far and wide and plan to take this to social media to spread the word even further not to use this company.
My experience with Megan was first rate. She was outstanding to deal with. She went over past claims with me. She helped me address my premiums for next year.. she was absolutely wonderful!
I was helped on 1/13/2025 by B.Walker to change my policy. She was very professional, friendly and patience with my pricing concerns. She advised me of my optional to lower the pricing. After the call, I took the survey but realized I didn’t answer the 3 questions correctly. I was confused in answering them correctly. I wanted to make sure that she received an excellent customer service rating by me. I called Fletch again to explain my concern and to make sure B. Walker got my correct rating. I was promptly helped by A.Mello who gave me the name B. Walker who assisted me. A. Mello was very professional, friendly and understood my concern in making sure B. Walker received my excellent customer service rating. A. Mello and B. Walker were excellent in solving my concerns!
Fetch Insurance has the worst customer service I’ve ever experienced. After dealing with them, we decided to switch to Embrace Pet Insurance, which was not only more affordable but also offered a far better experience.
The tipping point with Fetch came a month ago when we submitted a claim. They rejected it, claiming the issue wasn’t covered, even though when we signed up, they specifically told us cases like this would be covered. When I reached out for clarification on what exactly the upgraded wellness plan covered—trying to justify the extra cost—they responded with an incredibly passive-aggressive email. Instead of addressing my concerns, they suggested that if I wasn’t happy, I could call to discontinue their service. That incident left a sour taste, and we decided it was time to move on.
Over the past few months, we’ve transitioned to Embrace, and now that my Embrace policy is fully active, I called Fetch today to cancel. The experience was just as bad as before. After waiting on hold for 20 minutes—which I could tolerate—the customer service representative who finally answered was condescending and unapologetic. When he asked why I was canceling, I told him it was due to their rude customer service. He completely ignored my response and said dismissively, “Oh, so you already switched then? Okay, all right, you should get an email soon. We’ll cancel your service tomorrow.”
Note - I’m not upset about my claim being denied—I understand that businesses need to make money to pay their employees, and I can sympathize with that. What I can’t tolerate, however, is the blatantly rude, negative, and sarcastic attitude of two random Fetch agents I happened to interact with. Either I’ve had extremely bad luck, or Fetch has so many poorly trained agents that even random interactions result in bad experiences. How does a company like Fetch manage to survive in this day and age with such terrible customer service? And how are they still popular?
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
