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Fetch Pet Insurance Review

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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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Alex K

10/16/2017
So, I have had pet plan for my dog, Bella for over 2 years now, I decided to get it for her after she ate a bone off the street and we needed to get her X-rays and labs. so far no claims and all was well, then this last month my wife came home with a kitten "little" we call him. I put insurance on him immediately because I am a proactive type of guy. Well you guessed it, the worst happened and the next day we came home to find him clinging to life, vomit and diarrhea all over, scooped him up and rushed him to VERG animal hospital in Brooklyn, who is AMAZING BTW. 6100.00 later Little is alive and well, well 6100 you say, heck you had insurance right? WRONG, denied the claim stating some BS... Read More
44 People found this helpful.
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Ryan S

2/9/2015
I purchased Pet Plan insurance for my healthy dog after his younger brother racked up tens of thousands of dollars in vet bills. I thought I was purchasing peace of mind that if my older dog ever became sick it wouldn't be as financially devastating. My older dog ended getting sick well after the waiting period and Pet Plan said he had a pre-existing condition. They've never been able to say what the condition actually is, but they will not cover anything for my senior dog unless he get's into an accident. My vet has written a letter and explained how this is simply not true. Pet Plan has denied every claim even though my dog never had a diagnosed or treated pre-existing... Read More
35 People found this helpful.
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kara

8/2/2018
DO NOT USE! We bought into Petplan for our dog Jax who is a boxer/great dane mix. Once we actually had an issue and submitted our claim for his allergy specialist, it fell under an exclusion. The appointment alone cost us over $500 and the actual testing cost us upwards of $600. Turns out there is a loop hole and an exclusion for just about any condition. On the phone they said even without a previous diagnosis (or knowledge of what the problem is), they can attach those symptoms to a "pre existing condition" makes absolutely no sense. Complete fraud, i'm not sure how they get away with this. Feel like i've been taken advantage of and cancelled my plan. Don't get caught up in the... Read More
31 People found this helpful.
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D
Deanna

1/23/2019
We are cancelling our policy. We have been with Pet Plan for 5 years they were a godsend in the beginning...I had 4 dogs with Pet Plan. When we first signed up the rates we good and the 80% payout worked well for us, however about 3 years ago they switched underwriters and inflated our rate and kept switching underwriters again every year. I removed 2 of my dogs off the policy but was going to keep my other two 3 year old dogs on Pet Plan due to the fact they both had one TPLO surgery last year and Pet Plan would cover the second one if the second surgery was at least one year later. We just received a letter stating the policies were up for renewal inMarch. Our original policy was... Read More
29 People found this helpful.
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Luz M

10/1/2018
Who gave this company all that "Stars"? just reading what customers have gone through just make you want to run! Thanks God that people can write their feedback and the company can't remove them. Thank you so much for the feedback. They were very helpful.
25 People found this helpful.
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Kristen

6/4/2018
ZERO STARS. This company SUCKS. I signed up for them 8 years ago and it was a FANTASTIC company to work with. Now all they care about is money. They changed under writers and my ANNUAL deductible was changed to a PER CONDITION deductible ($500 to be met with each condition) without even asking me if that was what I wanted . They did not explain this. I even called to find out what the differences were and they NEVER mentioned that it had changed from annual to per condition. They are sneaky and underhanded and as soon as I am able I will be DROPPING their coverage. I fork out over 3k for 4 dogs every year, and that is just for the premiums. When I asked if I could change it to... Read More
25 People found this helpful.
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DeeDee A

7/7/2016
If I could give this company 0 stars, I would. We purchased a plan for a 13 year old beagle and the company was more than willing to cover her since she had not reached their age limit. She has a few health issues that we knew would never be covered (and we wouldn't expect them to be), which included atypical Cushings, polyarthritis, and a back issue. However, we wanted to purchase the plan just to ensure she would be covered in the event that she was diagnosed with an unrelated condition like cancer. Unfortunately, she was diagnosed with TCC about a month after the plan went into place. Our vets were confident that this would not be a pre-existing condition, since she had never shown... Read More
25 People found this helpful.
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Janet G

6/21/2018
Do not use this company. They pay for nothing! Since I took out the policy 5yrs ago I've collected a total of $16.50 from them for a medication once for my dog. I'm done! Cancelling! The per-condition deductible makes it possible for them to never make a payout unless your pet has a major illness and even then they will find a way to get out of paying! This is not the same coverage I got when I first signed up and after research I've found a lot better plans out there.
24 People found this helpful.
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Barb M

1/10/2019
Buyer BEWARE! PetPlan has a unique way of interpreting “pre-existing” conditions and how they apply a deductible! They decide a mention something is a “clinical sign”, implying disease, even though normal healthy dogs might have that sign (E.g light tartar on teeth), and even though it is NOT a disease and does NOT necessarily cause disease at the time. Rather than saying a clinical sign is a sign of a medical condition, they say it is a “change in your pet’s normal healthy state”, so they can decide whatever they want as a “sign”. My dog did have mild tartar on her teeth above the gumline before I got the policy, but the vet did not see any indication of disease, and did not... Read More
21 People found this helpful.
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J
Judy

8/2/2016
I am giving this plan a poor rating because they have changed their underwriters and therefore changed their plans. We had $100 per year deductible with 90% reimbursement up to $20,000 of coverage. It cost $350 a year for a 4 year mixed breed spayed female. Now the want $450 a year with a $300 a year deductible. That means $750 before receiving reimbursement. We will not be renewing our policy.
21 People found this helpful.
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  • 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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