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
No long wait to talk to an agent and all of my questions were answered.
I got more coverage at a more affordable price than I currently have with Pet’s Best. I have been with them for thirteen years.
My experience with Fetch Pet Insurance was not just disappointing. It felt like bad faith.
When my pet had an emergency and needed immediate treatment, I filed my first claim. I had been paying premiums every month without fail. Fetch had no problem taking my money. They had no problem sending constant marketing emails and pointless text messages. But the moment I actually needed coverage, everything changed.
Instead of processing the claim promptly, they dragged it out. They asked for one document. I sent it immediately. Then they asked for something else. I sent that too. Then another request. And another. It was a slow, piecemeal process that stretched on for weeks. At no point did they simply tell me everything they needed up front. It felt intentional, like they were looking for a reason not to pay rather than trying to evaluate the claim fairly.
Then they denied it.
Their justification was that because this was my first claim, they treated the condition as “pre-existing.” Think about that. The first time you use the policy, even in an emergency, they scrutinize it in a way that effectively assumes it must have existed before coverage. That is not something clearly explained when they are enrolling you and collecting premiums. If your first claim is going to be viewed through a presumption of pre-existence, that is a material limitation and should be disclosed clearly before you ever sign up.
You do not get to happily collect premiums month after month and then, when a legitimate emergency claim is filed, shift the goalposts and retroactively characterize it as uncovered. That is the definition of bad faith claims handling.
Customer service only reinforced that impression. The chat feature is useless. It provides canned responses and no real answers. Phone representatives were dismissive and completely unconcerned about the urgency of the situation or the financial strain their delay was causing. There was no accountability and no effort to resolve the issue fairly.
Insurance is supposed to provide peace of mind during emergencies. Fetch provided delay, obstruction, and denial.
I cancelled my policy and filed a complaint with my state insurance regulator. Pet owners should be very cautious about relying on this company when it actually matters.
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
