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Fetch Pet Insurance Review

361 Customer Comments & Reviews - see all comments
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Fetch offers the most comprehensive pet insurance and health advice for dogs and cats. The company is trusted by the top no-kill shelters in the U.S. and Canada, and is the exclusive pet insurance provider for AARP members.
 
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How is Fetch rated?

Breakdown

5.0/5
Coverage
3.0/5
Cost
4.5/5
Extras

Overall Rating: 4.4 / 5 (Excellent)

Fetch ranks highly with us chiefly because of the comprehensiveness of coverage, including coverage for the entire sick visit including exam fees, and flexibility in customizing deductibles, reimbursement rates, and maximum annual payouts. In light of this, the customer has a lot of leeway to mix and match to get the right premiums for their individual pet and financial situation.

Fetch Coverage

Coverage - 5 / 5

Fetch offers the most extensive coverage in comparison to the other companies we rate. They handle all new accidents and illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies.

Fetch provides coverage for behavioral treatments on all policies, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling. Many other providers require a rider or don’t cover behavioral treatments at all.

Also, all non-routine veterinary exam fees are covered in all plans, including at emergency & specialist vets. While some providers don’t cover the cost of the exam, Fetch does, saving pet parents between $50-$250 per visit on average (with other providers, that’s the equivalent of an additional deductible you must meet on every veterinary visit).

Fetch has the most comprehensive coverage of dental injury and treatment of periodontal disease. Fetch’s comprehensive dental coverage protects against multiple accidents and injuries including broken teeth, periodontal disease, extractions and advanced dental treatments such as root canal therapy for every tooth in the mouth, not just the canines like some other providers.

Finally, Fetch will cover curable pre-existing conditions after the 365 day exclusionary period after your policy becomes active. The company also covers most bilateral conditions when one side is considered to be pre-existing, which is something many other providers won't do.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care
  • Holistic Care
  • Homeopathic Treatments

Benefit Limits

Benefit Limits - 5 / 5

Fetch's maximum annual payouts can range from $5,000 to unlimited.

This can be advantageous if you research the types and costs of conditions your particular breed is likely to face, and combine it with the cost of treatment considering your area.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 5 / 5

Like all the leading pet insurance policies today, Fetch will pay a predetermined percentage of your actual veterinarian bill after you have met your deductible.

The reimbursement rates you can choose from are 70%, 80%, and 90%.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Cat owners can select a deductible of $250, $300, or $400, while dog owners can select a deductible of $300, $500, or $700.

If you choose a higher end deductible, it is going to translate into lower monthly premiums. Fetch operates on an annual deductible, which is ideal as you will only have to meet the one deductible regardless of incidences.
Deductible Type
Annual
Minimum Deductible Offered
$250
Maximum Deductible Offered
$500

Pricing: How much does Fetch cost?

Cost - 3 / 5

Fetch leverages their 15 years of data to determine the most accurate pricing based on your pet’s breed, age and your location. Fetch also prides itself on offering more coverage than any other provider. They offer premium pet insurance and that means they are not the cheapest. Pricing is based on your pets age, breed and location.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$19.66
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$19.66
Rate Details: Annual Deductible: $300, Annual Coverage: $10,000, Reimbursement Model: 80% of Actual Cost for zip code 76006 for a small mixed-breed puppy or domestic shorthair kitten.
Available Discounts: Up to 10% discounts for shelter adopters, rescue adopters, veterinarians, veterinary employees, active military and veterans.

Enrollment & Waiting Periods

Enrollment - 3.8 / 5

Fetch allows enrollment for dogs and cats as young as six weeks.

Also, unlike most companies, the company does not have an upper age limit so older animals can get covered as well.

For illnesses, the waiting period is up to 15 days.
Min Enrollment Age
6 weeks
Illnesses Waiting Period
15 days

Claims & Service

Extras - 4.5 / 5

Fetch is one of the only pet insurance companies to specifically state a claims payout timeframe in its terms and conditions, 30 days. However, most are reimbursed in 5-7 business days after submission of a completed claim, especially when submitted via the Fetch App or online.

To file a claim, you need two documents:
● A finalized invoice from your vet. Your invoice should clearly show what your pet was treated for, how much you were charged and it has to be paid in full.
● Detailed medical records from your pet’s most recent checkup. Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.

One thing to note: claims have to be filed within 90 days of treatment. If a claim is submitted more than 90 days after the date on the invoice, it won’t be covered.

Fetch also gives you the flexibility of submitting this information through its free app for Android and iPhone. You can also use their online portal on your phone or computer. This lets you file claims instantly and without messy paperwork 24/7.

Fetch also features the "Telehealth" service. This facility provides coverage for telephone consultations for an immediate lifesaving emergency.
Claim Form
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.fetchpet.com/
Headquarters Address
101 Greenwich Street, New York, NY, 10006
Mailing Address
PO Box 1489, Bolingbrook, IL, 60440
Year Founded
2003
What We’re Hearing From Our Readers
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Customer Comments

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tnoblett00

9/6/2017
After having a very allergic rescue cocker whose medical bills reached 6K the first year, I made the decision to make certain that when I had another cocker, I would have pet insurance. I asked several pet owners which company they used, and every one of them used Pet Plan. I got a new puppy and got Pet Plan insurance. Best decision I ever made. She is more allergic than my last cocker, and as a result has had some medical issues that were very expensive. My claims have been handled expertly, promptly, and few have been declined. The $48 dollars a month is the best money I spend. I now can give Aggie May the care she deserves, and the 10K cap per year, per condition is more than... Read More
1 People found this helpful.
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Lori

8/29/2017
I’m thankful for Petplan insurance. I have 3 rescues and Petplan has helped me give my furbabies the quality care they deserve. Insurance is something you pay for and pray you never use. You have to pay for car insurance and chances are you’re never going to file a claim. Cable TV/Internet and or cell phone bills cost more than pet insurance. Petplan also pays for medications and tests. My Daisy is diabetic and Peggy Sue has Cushings and renal failure costing hundreds of dollars monthly for life. You won’t tuck away enough money to cover the unexpected. Filing a claim could not be easier with the Petplan App., answer a few questions, date, amount, pet’s ailment, take a photo of... Read More
1 People found this helpful.
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Gellonuts

8/24/2017
PET PLAN IS RIDICULOUSLY EXPENSIVE!
1 People found this helpful.
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Martha

7/25/2017
I've had PetPlan for 2 years now and it is it time for the renewal. Policy premiums increased almost $400 while they decreased the reimbursement percentage. They no longer offer 100% reimbursement. Note, I have not filed any claims with them so not sure why the steep increase. My dog is 9 years old and in very good health. It's probably best to just save the premiums paid and use that for vet costs.
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Martha, I understand why you would be frustrated with your premium increase. I would like to have a Petplan team member follow-up with you to explain in detail why your specific policy premiums increased. During this call we would also review options to reduce the cost for your policy going forward. In some cases we have been able to make changes that will reduce cost. Please email us at socialmedia@gopetplan.com with your policy number and I will have a team member call you today.
C
Cari I

7/5/2017
Since updating their policies in 2017, we have been extremely disappointed! The amount of money we pay and have paid over the 8 years of our dogs life vs what we get reimbursed is ridiculous. It's absolute robbery. Do your homework. Check other plans. As your dog gets older and is in more need of veterinary care, you pay more and get less back!! What kind of care is that??!!! I feel like the whole pet insurance industry is a complete joke. I also JUST learned of the veterinary professionals discount by reading this page. My husband IS a veterinary professional. I have mentioned this multiple times in speaking with PetPlan reps and not once has anyone told me there was a discount. Shame on... Read More
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Cari, I'm sorry that we have not met your expectations and would like to have you speak with a Petplan team member to review your complaints and see if we can address your frustrations. Please email us at socialmedia@gopetplan.com and provide your policy number and phone number where we can contact you. As soon as I receive your email with your policy information I will be able to take action on your behalf.
M
Marg H

6/11/2017
Having to pay up front, and getting reimbursement by Pet Plan kinda defeats the purpose of having insurance!!! A lot of people can't afford up front costs, especially if it's a sudden occurrence!! If we had the money to cover Vet bills, we wouldn't need the insurance!!
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Marg, I'm sorry you are not happy with the reimbursement option that is standard for all of our policy holders. We do however work with vet clinics to pay direct as long as the clinic is willing to work with us. If you would like more information about this option please email us at socialmedia@gopetplan.com and I will connect you with a Petplan team member who can help you.
Tamara B

5/27/2017
Recently they have been nit picking everything I submit. And they refuse to cover issues that were only preexisting to being insured with them. I had heard bad things about them when I switched but had to learn my own lesson I guess.
1 People found this helpful.
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DF D

5/22/2017
Petplan Pet Insurance will gladly take your money, but if you have a claim it is highly unlikely to pay, claiming it is a pre-existing condition. Had an insignificant mole on my dog 5 years ago. Decided to have a needle biopsy on it due to changes in the size of the mole, then Vet said we should remove it since it had some spindle cells in the biopsy. Thankfully it was benign. But Petplan did not allow the claim saying it was a pre-existing condition, even though the Vet sent a letter letting them know that when it was examined 5 years ago there was no reason to believe it was a problem and there were no issues. Do not buy their insurance, you are better paying it out of pocket then the... Read More
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
I'm sorry your recent claim was denied. If you would like us to review your recent claim in more detail please email us your policy number at Socialmedia@gopetplan.com and I will be sure to have customer service follow-up.
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Laura

5/19/2017
This is the worst insurance ever!!!! They always have excuses to do not pay!!!!!! Do not waste your money
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Laura, may I coordinate a phone call with you and one of our customer service representatives to see if we can correct the frustration you have with Petplan? Please email me at Socialmedia@gopetplan.com and I will have someone call you today.
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DIANN L

5/16/2017
I was satisfied until contract renewal in 2017. Company changed underwriters. Awful premiums/deductibles for price; key clauses in policy changed. I would change if I could, but I have older pet with pre-existing conditions.
1 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Diann, I understand your frustration and have asked our Customer Service team to contact you to see if we can identify options that will reduce your monthly premiums.
Our Partner
  • Most comprehensive pet insurance for dogs & cats
  • Get back up to 90% on unexpected vet bills
  • $1000 in online vet visits included at no extra cost  
  • Exam fees are covered (Save $50-$250 per sick visit)
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