Fetch | Pet Insurance Review


out of 5

Number of reviews 1,237

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 1.9
  • 1.4
  • 4.9
  • Count
  • 14
  • 45
  • 1,237
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: Shauna Stokes


Do not choose Fetch for your pet insurance. They deny everything! My vets even sent letters disagreeing with them denting my claims and they still would not cover what their policy states., horrible company

out of 5

POSTED: | BY: Nola Chambers


Resubmitted a claim for reassignment and it took several months before it was finally gone over again and approved. I had to call several times and spoke to several different people. I was told on more them one occasion that the paperwork that I needed was never received, or it was still in review. Very, very frustrating experience!

out of 5

POSTED: | BY: Elif Ece

I’m a new Fetch customer for 2 kittens…

I’m a new Fetch customer for 2 kittens and honestly, it is quiet like a psych experiment. I believe Fetch provides great options. When I had some doubts about what kind of coverage I should be looking for, Monica helped me to find the most fitting options for the kittens. So far, I had positive experience with the options and the team.

out of 5

POSTED: | BY: Tam Tran

Bad experience

I recently adopted my dog from the shelter and bought Fetch insurance. 6/28: I made the first payment for a general checkup. The hospital only had an invoice but no notes on this date since i couldnt get the samples for the tests until later. On 7/21, the vet recorded a lot of notes but didnt specify 6/28 or 7/21. 7/10: I brought my dog to an emergency service because she had diarrhea. I submitted claims for 6/28, 7/10 and 7/21 and they found ridiculous reasons to reject them all. 6/28: no doctor notes besides the invoice. 7/10: didnt have a prior checkup after starting insurance (I think they try to prove that my dog’s diarrhea was a pre-existing condition (!?) even though i started buying insurance about a month before this date. Could a dog have diarrhea for more than month without treatment??). 7/21: because of prior rejected claims do they are not processing this. They have no phone number to call. The appeal process is emailing back and forth with someone who constantly looks for faults in everything you say so they can get away without paying anything. Is this company a scam? Do dog owners need to go through this pain after paying a ton in hospital bills and insurance premiums?

out of 5


Very Helpful Member Experience Associate

Spoke to Kelsey this morning about the process for filing a claim when not having medical records from vet office yet. She was very helpful and explained the different ways I can file a claim with only having invoices. It's nice to know that I can still start the process of filing a claim despite not having the medical records yet.

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

Get a quote today

Leave a review