Fetch
4.9

out of 5

Fetch Pet Insurance for Dog & Cat

Updated: January 30, 2024

Fetch Pet Insurance is a great option for pet parents who are looking for an affordable pet insurance policy with excellent customer service. They offer a variety of features that make them stand out from other pet insurance companies, such as quick claims processing, an easy-to-use mobile app, and excellent customer service.

Fetch Pet Insurance Details

    • Why Our Users Picked It:

      Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.

      Pros & Cons:

      • High reimbursement rates
      • Easy claim submission process
      • Includes coverage for boarding and kennel fees of up to $1,000
      • Flexibility in coverage options
      • No wellness plan coverage
      • 6-month waiting period for pre-existing cruciate ligament issues and hip dysplasia
      • Difficulty in changing coverage
      • Misleading policy exclusions

      Plan Limits

      • Per Condition Limit If your pet has a pre-existing condition—but it doesn’t reoccur or need treatment for 365 days—the condition will be covered going forward.
      • Lifetime Limit No annual policy limit means that there is no limit to the amount of money that you could be paid in a given year on all of your unexpected vet bills. Fetch pet insurance will continue paying you back.
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
      • Hospitalization Overnight stays at a licensed veterinary hospital anywhere in the U.S. or Canada for treatment, monitoring, or further testing.
      • Rehabilitation Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
      • Continual Care Once we approve coverage for a condition, we will continue covering expenses for that condition for as long as the policy is active and maintains continuous coverage.
      • Emergency Visits Treatment at licensed emergency veterinary clinics anywhere in the U.S. or Canada.
      • Surgery The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
      • Dental Trauma We cover injury and disease in every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
      • Foreign Object Ingestion Yes
      • Congenital or Hereditary Conditions Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese. We do.
      • Cancer Treatments The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
      • Dietary Supplements Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
      • End of Life: Burial and Cremation We do not cover any after passing expenses such as burial or cremation.
      • Illness The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
      • Specialists Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
      • Prosthetics We don't have any specific limitations on this. We cover vet-recommended treatments deemed medically necessary as long as it's unrelated to a pre- existing condition.
      • End of Life: Euthanasia We cover euthanasia as long as it's vet recommended and unrelated to a pre-existing condition.
      • Prescription Drugs Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
      • Outpatient Care Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
      • Bilateral Conditions Yes, but the only bilateral exclusion we have on our policies is on the knees.
      • Travel Coverage We don't cover any travel fees, though we do have the vacation cancellation special coverage. This will reimburse up to $1,000 for any travel and accommodation costs you cannot recover if you have to cancel or cut short vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave, and as a result requires immediate lifesaving veterinary treatment.
      • Vet Exam Fees Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
      • Medical Imaging Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
      • Organ Transplants We can cover organ transplants as long as medically necessary and first pre-authorized and approved by us.
      • Wellness Cover Fetch pet insurance does cover wellness or routine vet office visits, which includes things like annual checkups, vaccines, spaying and neutering procedures, wellness exams, grooming services or teeth cleanings.
      • Lab Tests Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
      • Behavioral Treatments Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.

      Plan Summary

      Fetch covers new injuries and illnesses that occur after the waiting period ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease… As long as it’s not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive coverage in the industry, and it’s all standard in your plan.

    Most popular dog breeds insured by Fetch Pet Insurance

    Here are the top 10 dog breeds covered by Fetch insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Other Mixed Breed $52.24
    Pit Bull $49.14
    Golden Retriever $56.05
    Labrador Retriever $39.33
    Dachshund miniature - long haired $27.38
    Labrador Retriever (Black) $35.40
    English Bulldog $56.99
    Shih Tzu $104.17
    Poodle $27.63
    Maltese $32.77
    Data source date 60 days, cost based on user selected average

    Most popular cat breeds insured by Fetch Pet Insurance

    Here are the top 10 cat breeds covered by Fetch insurance so you can get an idea of possible monthly premium costs.

    Breed Average Monthly Cost
    Domestic Shorthair Mix $24.17
    American Shorthair Mix $22.53
    Other Mixed Breed $21.84
    Domestic Short Hair $22.30
    Tabby $20.55
    Scotish Fold $29.09
    Domestic Medium Hair Mix $37.60
    Domestic Longhair Mix $19.97
    American Shorthair $20.88
    Siberian $20.16
    Data source date 60 days, cost based on user selected average
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    Fetch Pet Insurance FAQ?

    • How long does it take Fetch to process my claim?

      Fetch is able to process claims usually within 15 days from receiving all claim documents.

    • Does Fetch cover dental?

      Yes. In fact, Fetch pet insurance offers some of the most comprehensive dental coverage in the industry. They do not cover annual dental cleanings, which is considered routine care.

    • What is Fetch’s waiting period?

      There is a up to 15-day waiting period before Accident & Illness coverage kicks in. There’s also a 6-month waiting period before injuries of the hips and knees can be covered.

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