About
Since its establishment over 20 years ago, Fetch Pet Insurance has covered more than 450,000 (and counting) dogs and cats. Customers appreciate the ability to conveniently and easily submit claims through the Fetch Pet Insurance app.
Coverage Offered by Fetch
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Price: |
Get a Free Quote |
Overall Rating: |
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Total Reviews: |
25,719 |
Deductible: |
$300, $500, $700 |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
$5,000 to Unlimited |
Accident Waiting Period: |
0 days |
Illness Waiting Period: |
Up to 15 days |
Wellness Waiting Period: |
0 days |
Orthopedic Waiting Period: |
6 months* |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Included |
Exam Fee Coverage: |
Yes |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 90 days of treatment |
Claims Submission App: |
Yes |
Fetch Accident and Illness Coverage
Fetch offers accident and illness coverage for dogs and cats. You can customize this configuration to fit your needs and budget.
Deductible Options
$300, $500, $700
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
Fetch offers a wide variety of annual coverage and deductible choices. They give customers additional flexibility by offering a one-on-one call to their customer care team to provide the best options, including a range of $5,000 to unlimited annual coverage.
What's Covered
Accidents
Acupuncture, Chiropractic Care, and Physical Therapy
Aggression and Separation Anxiety
Allergies
Breed-Specific Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Diabetes and Insulin
Emergency Vet Visits and Hospital Stays
Hereditary Conditions
Illnesses
Online, In-Home, and Office Vet Visits
Prescription Medications and Supplements
Sick-Visit Exam Fees
Specialists
Surgery
X-rays, CT scans, Ultrasounds, Blood and Lab Tests
Optional Fetch Wellness Add-On
Fetch also offers an optional routine care add-on for its main insurance product. You can choose from three levels of wellness coverage: Essentials, Advantage, and Prime. Each level has varying allowances and caps for covered items.
Essentials
Has an annual coverage amount of $315 and includes:
Annual exam
Canine Bordetella / Feline FELV vaccines
Canine DHLPP / Feline FVRCP vaccines
Canine Rabies / Feline Rabies vaccines
Canine Lyme / Feline FIP vaccines
Heartworm, flea, and tick prevention
Heartworm tests
Dental cleaning
Spaying or neutering
Blood test
Urinalysis
Fecal test
Advantage
Has an annual coverage amount of $520. Includes everything that is covered in Essentials, plus:
Microchipping
Anal gland expression
Prime
Has an annual coverage amount of $735. Includes everything that is covered in Advantage, plus:
Behavioral exam
Health certificate
Activity monitor
Policy Exclusions
Fetch Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-existing conditions
Claims filed more than 90 days after treatment are not covered
Prescription food
Grooming and cosmetic procedures
Requirements of Policy Holders
Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.
6-month waiting period for orthopedic conditions, cruciate ligaments, and patellar luxation.
The illness waiting period is up to 15 days, and the accident waiting period is 0 days.
The exclusionary period for knees can be waived with a healthy knee exam or check at the vet, while the policy is in force.
A 30-day waiver is available.
Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days.
Claims
Fetch Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can also mail or email your claim form with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Fetch Pet Insurance app
Approved claims are paid back in as little as two days
Customer Support
Hours
Monday - Friday: 9 am - 8 pm ET
Saturday: 10 am - 6:30 pm ET
Contact Information
Phone: 1-866-467-3875
Email: [email protected]
Other: Live Chat, 24/7 Chatbot
How to Cancel Fetch Pet Insurance
To cancel a Fetch Pet Insurance policy, you can call 1-844-251-5462.
Does Fetch Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel risk-free during the first 30 days of your policy.
Customer Reviews
Ratings |
Overall Customer Rating 25,719 Reviews |
4.6 out of 5 stars |
Reviews Summary |
Here’s what pet parents are saying about Fetch Pet Insurance across multiple review platforms, including ours. Customers value Fetch's clear communication, timely reimbursements, and excellent support throughout the claims process. Whether managing expensive conditions like Cushing Syndrome or covering surgeries for puppies, Fetch provides peace of mind and helps pet owners focus on their pets' recovery. Take a look at some of our favorite reviews! |
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Sources |
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Insured by: Fetch Pet Insurance
Here's what
Carol thinks
"Lucy developed Cushing Syndrome which is expensive, and having good insurance has been a blessing."
See full review
Insured by: Fetch Pet Insurance
Here's what
Danielle thinks
"I am SO happy I had Fetch for my puppy's two tail surgeries. They helped me focus on her recovery."
See full review
Insured by: Fetch Pet Insurance
Here's what
Melissa thinks
"Great communication through the claims process and amazing support during hard times for our pets."
See full review
Insured by: Fetch Pet Insurance
Here's what
Ashley thinks
"I'm so happy with both the app and company. It's easy to submit claims and reimbursement is timely."
See full reviewCompare
Compare Fetch Against Other Pet Insurance Companies
Wondering how Fetch stacks up against other pet insurance providers? We compiled a list of comparison charts to highlight the differences between cost and coverage. For a better idea of what pet insurance coverage works best for you, start a quote.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our Fetch Pet Insurance Review
Overall, Fetch Pet Insurance provides customizable and extensive coverage options for dogs and cats. Fetch aims to simplify the pet insurance process for owners by offering one comprehensive plan that covers accidents, illnesses, and optional wellness coverage. Their plan also includes a range of benefits most providers don’t cover, such as exam fees, alternative therapies, and more. The waiting period for illnesses is up to 15 days, which is average. There is no waiting period for accidents. Their claims process is straightforward using their mobile app.
