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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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Jenna S

3/10/2017
I just started my insurance with petplan. I had an issue with changing my dogs age once we go an accurate estimate age from our vet after adopting her from the humane society and Gina was very helpful with switching everything over. She made it so easy and exciting when we got our new policy back!
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Kate

3/10/2017
I've insured all my pets with Petplan for almost a decade now I(I usually have between 4-8 cats and dogs at any one time) and I can't say enough good things about them. I've had diabetic and asthmatic animals requiring ongoing medical support for multiple years and there has never been a question about continued coverage. I've also had two GSDs who both had back issues and I was covered for physical therapy that really helped them both. I can budget for routine health care and monthly preventative treatments, but I never want to be in a position where I have to make a life or death decision for any one of my furry family based on my financial capacity rather than medical and quality of... Read More
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Sharon S

3/8/2017
In September, our miniature dachshund LuLu, was operated on for bladder stones. Many stones were removed during the first operation. However, the sutures on her bladder did not dissolve. Another operation was performed at the end of February removing scar tissue from her bladder. One week later, Lulu is back to her normal self again. Petplan has been there for us and LuLu through these operations. Operations are stressful enough without having to worry about medical bills.
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HETHER

3/7/2017
Petplan has been a true blessing to my family and my beloved Lab "Rex"! I have had insurance coverage on Rex his entire life and at age 9, he began to have problems related to IVDD. Thousands & thousands of dollars later, Petplan has reimbursed me 100% after a $200 deductible in a single year. Their claim process is extremely easy and the turn around for reimbursement is only a couple of weeks. Their customer service department is also very polite, helpful and caring. Professionalism at all levels within this company! With out this coverage, our angel's healthcare would be jeopardized as we could not afford this very expensive surgeries, MRI's, medicines and treatment. I try to tell... Read More
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Kathycopeland1

3/7/2017
Cannot be happier with Petplan.....been with them 8 years.....my most recent experience with Snoop Dog was great....turn around time with my claim was excellent.....highly recommend PetPlan....Thx PetPlan.....the staff are always so compassionate.
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Ron A

3/7/2017
My dog swallowed a sock and some other items. I was very concerned not only about my pets ability to recover but the astronomical cost incurred. When I spoke with Emily at Pet Plan, she eased my concerns and displayed empathy and concern fir my situation. Emily reassured me that my clsim woukd be expedited. Emily took the extra step in triaging my claim to an Adjuster to allay my concerns and notified me the same day that my claim was approved. I am very grateful for the quality of care and service I received from Pet PLan. I highly recommend Pet Plan for anyone looking to purchase quality pet insurance. Ron Astroff
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PNS

3/7/2017
My puppy has had several surgeries. I had to repeatedly call to ensure they received the claim ( I sent all claims via fax and email). Once the claim was "found" on their end, reimbursement was quick. I called to ask about specific services I was looking into. Was told by a PP representative that it would be covered and to not worry, they pay for anything that gets the pet better. Making my decision based on what they told me, I found out the services were actually not covered after the fact. I found out via a letter in the mail. Because I made my decision based on what they told me, even though it was incorrect, they will not reimburse and I am being penalized. Pet Plan- do the... Read More
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Alison T

3/7/2017
We purchased a pet plan policy for our mixed-breed puppy about a year ago when we adopted him. it felt good to have the protection, especially sense he turned out to be a compulsive chewer, and we had no idea if that might lead to stomach problems or anything like that. I probably wouldn't have thought twice about staying with them for at least another year, but then we got a notice in the mail that our premiums were changing for the next year, so I took a closer look at PP compared to other companies. First, their increase in premiums was RIDICULOUS. They "suggested" a new plan for me that had a worse deductible, an unlimited annual payout (we already had a high annual payout... so... Read More
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T B

3/7/2017
Have had Petplan for seven years. They changed underwriters. Deductible more than doubled and premiums increased. Deductible is per condition. Option for single deductible because my pet has two conditions which they have covered since she was a puppy. Between deductible and coinsurance I can't see them ever paying again unless she has extremely serious condition. Catastrophic coverage now at best. Waste of money.
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Gail O

3/6/2017
I have had health insurance for my (now 8 year old) rescue Maltese mix dog since I got her from the pound a little over 5 years ago. I had fairly recently lost my previous two dogs when I adopted Lucy, who was approximately 3 years old at the time I adopted her. After what I went through with healthcare expenses for these dogs, I decided to protect myself and Lucy from EVER have to make a health-related choice based on cost alone. I started out with a different company, but after researching the Maltese breed (I wasn't even sure WHAT she was when I originally adopted her--she was too overgrown to recognize the breed), I decided to switch to Petplan just in CASE Lucy developed problems with... Read More
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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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