Fetch | Pet Insurance Review


out of 5

Number of reviews 165

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.3
  • 1.4
  • 4.9
  • Count
  • 7
  • 51
  • 165

Updated: November 13, 2023

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: Dana B.

I could never have afforded the high medical bills without Fetch

I have had Fetch Pet Insurance since they took over Rosie's previous insurance. Rosie is 14 year old golden retriever mix with two autoimmune diseases, ITP and Lupus. Last year she was diagnosed with lung cancer and a few months after her surgery she was diagnosed with diabetes. I am retired, and with all these ongoing medical issues I could never have afforded the major medical bills for the care she needs. She has a surgeon, oncologist, and internal medical specialists. Fetch has been there helping to cover her bills all the way, She is on chemo and regular visits for her diabetes and these visits can really add up. She is doing great and I know it is because of the ability to give her the best of care with the help of her insurance. I would highly recommend Fetch Pet Insurance.

out of 5

POSTED: | BY: Corey Pool

They'll get you in the fine print. Don't recommend.

When signing up for policy it was not clear about the reimbursement rate for wellness program. Since learning about it weeks about creating policy, I have deterred people from Fetch. Just like any other company, they will always find a way to win.

out of 5

POSTED: | BY: Gail Fowble

I have 2 pets with Fetch

I have 2 pets with Fetch. Your costs increased too much and I am told it is due to other claims in my state of Maryland. This is a standard statement and an excuse to increase costs on pet parents like me who have 2 dogs with chronic illnesses. In addition, your claim turn around take way too long. Lemonade pet insurance reimburses you within 24 hours. Hope you mention this to someone in an upper management position before you lose good pet parents. Also, your APP is terrible, glitches and letters written over letters so you cannot even read the page.

out of 5

POSTED: | BY: Rose

Great customer service

The rep I spoke to, Kayann, was amazing and went above and beyond. Not only did she solve my issue quickly and kindly she also fast tracked it without me even asking since it had been in process for so long. Wonderful agent and great customer service!

out of 5

POSTED: | BY: Karen Souza-Anderson

Horrible service and coverage

7 claims laps in time by over two months. 1859.92 Refunded 2 claims of 104.90 You actually can not talk to a real person. They use artificial Intelligence chat boxes to be their relay between Fetch and you. If you do ever get through they ask you the same questions that you told the robot. Always wanting more information and documentation you have already provided. What a business model. Take in more money than you pay out. Sad to say we gave them a year of poor service.

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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