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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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Marissa T

4/20/2020
My premium went up $350 for my next renewal. My dog is young and healthy and we did not file any claims this year. I am so disappointed and upset.
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w.ferro2

11/9/2019
It would be impossible to treat my cat without Petplan. Being less than 1 year old she developed some eyes and dental problems that needed immediate treatment and successive surgeries. Petplan made it easy to choose the best path available in order to help my beloved kitten
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lilsubeone

11/4/2019
We had never had a *big* pet before. But even the small ones we took to the vet and those bills sometimes made us have to make hard decisions. When we got our cat; we talked and talked and talked about whether or not to get insurance. I talked to co-workers and friends, and the vet office. Most of what I heard is - "it's completely up to you", which didn't help. Finally, after 2 months of debating and trying to figure out what company - we went with Pet Plan. We are all so glad we did! See, our cat was young, and healthy...and insurance is a tough decision - banking on a future that nobody can foresee. Well, 2 months after we insured our cat; she started having big issues. We... Read More
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laura a

10/25/2019
Our dog Ruthie has had problems since she was just a few month old. She has been in and out of the hospital. She has had to have multiple x rays, seen a neurologist, undergone an MRI, and been on pretty expensive medicine for almost a year now. We are so thankful for Petplan. They have been there the whole way with the treatments for Ruthie. It has always been a very easy process and they pay right away no extra questions asked. I am forever grateful for Petplan, without them we would be in a huge amount of debt. Now we can care for our dog and not have any added stress worrying about how we can afford it!
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Aksana A

10/18/2019
My cat has her dentistry done two weeks ago and now I’m awaiting for my cheque to arrive! Very good service, easy to use, good and affordable coverage. Very satisfied customer. Highly recommend Petplan!
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amonj9

10/17/2019
The best decision I made on insurance, which I was hesitant to purchase in the first place. They did everything they promised and helped us get our dog through surgery. I wouldn't go with anyone else for pet insurance.
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nlaface

10/17/2019
Good service and easy to work with. The cost of insurance has already paid for itself based on the number of vet visits I've had to make for unforseen issues.
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Tara U

8/20/2019
I’ve been a customer for around 10 years now. They have been wonderful. At first, I was concerned when the underwriters changed and my premium and deductible increased a bit, but when I fully evaluated the changes I found I actually came out better in the long run (higher limits and lower co-insurance.). Also, the deductible has always been per problem as long as I’ve been a customer, so unless the person saying that had changed has had a policy longer than the 10 or so years I have, I don’t think that is true.
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Michael T

6/13/2019
I like Petplan. The company adhered to every letter of our policy when our cat went into convulsions. Our claim was handled with the utmost of fairness. As consumers we need to understand Petplan is not going to insure a sick animal. For this reason it makes sense that we keep as much paperwork relating to our animals from the time we take possession.
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Marie

5/16/2019
I recently purchased pet insurance for my 2 cats. Unfortunately, just a few weeks after I made the purchase, I needed to use it for one of my cats. Their Customer Service Rep (Happiness Manager) could not have been more kind, understanding and helpful. She walked me through every step of the process and answered all of my (many!) questions. I felt good knowing that I could call and talk to someone 24/7. And rather than feeling like the company was trying not to reimburse me, I knew that they were behind me every step of the way, helping me and keeping in touch with me until I got my reimbursement just a few weeks after my cat got treatment. Happily, he is doing much better, and I... Read More
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  • Get back up to 90% on unexpected vet bills
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  • Exam fees are covered (Save $50-$250 per sick visit)
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