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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.
 
VIEW RATES

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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Real E

3/21/2017
I got my puppy a little over a year ago, and for that time I have paid petplan without any problem, I had a fraudulent charge to my acct and their payment was stopped, after they called I told them I had a problem with the bank as asked them to charge it again and contact me if they had any other problems. Well they could not charge it and according to them they called me ONCE and I did not answer! So they just canceled! Now for me to start the plan again they want me to pay more, they want me to wait 15 days for my dog to be covered and a note from the vet! This is ridiculous! No customer service at all! They took my money but the first time I needed someone to work with me, they called... Read More
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Hi there, It sounds like quite the frustrating experience and I'd like to investigate this further to see if I can help. Can you please email me at socialmedia@gopetplan.com so we can chat further? Thank you.
Stacey W

3/20/2017
The "happiness manager" (Emily B.) did a great job working through a somewhat complicated claim issue, with a favorable result for our claim (with several calls and always with a pleasant and welcoming manner -- a pleasure to work with her). To get such a favorable result means that the claims adjuster was also willing to work out the issue to our benefit. We had a different insurer for one of our cats, and the Pet Plan experience has been a welcome relief. We will recommend Pet Plan to other pet owners.
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Thank you, Stacey!
V
Veronica F

3/20/2017
I cannot say enough positive remarks about Petplan. My dog Coco became suddenly ill and was in grave condition. She had acute pancreatitis/Gastroenteritis and was hospitalized in/out for a couple of weeks. While she was being treated for this condition it was discovered that she had Cancer. I was devastated as most pet parents would be. I almost lost Coco last weekend and my heart was broke. I had to submit claim after claim to Pet Plan and I thought for sure I would lose my insurance however; Pet Plan was incredible. They paid my claims without hesitation and never once denied any claims for me. I am thankful for Pet Plan and I have been asked numerous times at the hospitals and vets who... Read More
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
So glad to hear about Coco! Thanks, Veronica!
Barbara G

3/18/2017
They were once THE BEST. Since they changed the underwriter, everything is different. I have two dogs that are older if they were not I would leave. They are now no different then the rest. In fact, they might be worse. They deny claims that they should pay then you have to call and argue with them. I will never use them or recommend them again.
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Hi Barbara, I'm sorry to hear you're unhappy with the current level of service you're currently receiving and the assumption that since we've changed underwriters we're now the same as the competition. I'd like to discuss this further with you and demonstrate why we offer more value than ever before - as well as to take a further look into your claims history and better understand why they were denied. Please send me an email at socialmedia@gopetplan.com so we can continue this conversation. Thank you.
W
wahinireba

3/17/2017
I am not sure how they are shown as having an annual deductible. It is just not true. I have been with them for many years. So after reading this, I called them today and asked about it. I was told you need to be approved for it. I asked how that happened and was told I could not have any claims. I asked where on their website I would find information about it. I was told it was not on their website and would have to call in to ask about it. Very misleading and very expensive for owners of dogs who have problems as they age or are just sensitive.
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Hello, I apologize for the confusion around the annual deductible which is a new option we are able to provide pet parents on a case-by-case basis. We do mention the annual deductible on our website, but I apologize if it was not made more clear to you as an existing policyholder with prior claims the restrictions around applying it. I hope that we can have a conversation about the new plan and how it can better serve you. Please email me at socialmedia@gopetplan.com so we can follow up. Thank you.
D
Dan

3/15/2017
Only buy pet insurance as soon as you adopt a new born puppy or kitten. They will not pay your claim if your pet has any medical history. They will connect anything in your pet's history to rule it a pre existing condition so they don't have to pay.
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T
tom

3/15/2017
I highly recommend PetPlan. Recently our Golden was diagnosed with cancer. It is not only heartbreaking but very stressful. We had to visit multiple veterinary specialists. Even though we avoided surgery, I was shocked at how expensive the tests and treatments were. The bills were piling on quickly and I filled out one claim form for the first two vet bills and sent it in. After that, there were quite a few additional bills so I called and spoke with Caitlin and Adriana just make sure all the claims were properly filled out and received by the claims group.…. they both were very nice, very helpful and they both followed up with personal notes letting me know everything was received.... Read More
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Thank you, Tom!
D
Diane C

3/15/2017
Selected an annual deductible of $500/and for 80% of bills paid after that. When my dog turned seven all of the sudden it became a 'per incident deductible of $500'. When she turned eight changed to: '$800' per incident with only 70% paid once deductible was met. Continually told 'it was always a per incident deductible'. $800 per incident, in essence, makes it useless & as your pet ages, diagnostic testing needed is deemed another incident for each test -most ranging anywhere from $200-$400. Switching companies means everything prior is excluded. So I had an extremely sick Dog, a premium of $1,300+ and everything submitted falling under the deductible & deemed "a separate... Read More
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cherbro50

3/14/2017
Ive had this insurance for my dog for 8 years. Now for the same coverage his policy is going up from $638.09/per year to over $1400.00! They suggest going from a $100 PER CONDITION deductible to $300 deductible per condition, at 70% coverage for $5000 coverage per year to get the cost down(still expensive) They say this is due to a new underwriter. It is useless insurance now and inaccessible! I find this ridiculous and don't know what I'm going to do. He had a $100 deductible, at 80% and $10,000 per year. Don't get this insurance!
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DSmith

3/12/2017
I would have given Pet Plan 5 stars but they have decided to change insurance providers for main coverage and rates are going up a great deal. I will say this ANY claim we have had, including surgery on 1 dogs ear only 3 weeks before his insurance expires for Petplan, they paid 100% of the vet bill. If not for the change of underwriters and their pricing going way up, we would remain with them for our 4 dogs. If you can obtain good monthly or annual rates, Petplan is one of the best out there!
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Thank you for the kind words. I can understand your concern about the rates and would like to have someone go through your policy with you and make sure you're confident in the coverage options available to you. Please reach out to me at socialmedia@gopetplan.com if you'd like us to help. Thank you.
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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