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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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Ralph S

2/14/2017
I purchased this insurance for both my Labrador retrievers when there were a few months old. They are now 5 and 3 years old. I can't begin to tell you how happy I am that I chose Petplan insurance. The people there are super friendly and helpful. My older dog ruptured her cruciate ligament and needed surgery. It was very expensive to repair and my policy covered 80% of the cost. I can't say enough about them. I'd give them 6 stars if that was an option.
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Gee Ralph, you're making us blush! We sincerely appreciate your kindness and we are very honored to have you and your pups as a part of our pack.
M
MJC

2/13/2017
No one expects any kind of insurance to be free. Pet insurance isn't "socialized medicine," and, like any insurance, most of the time you don't need it, but when you do, wow do you ever need it. That's the way I feel about Petplan. At one time, Petplan was really there for us when we needed it. But I have a sinking feeling that it is letting us pet parents down these days. If you are a Petplan policy holder and have not yet receiver your renewal notice, you are in for a SHOCK. I've had two dogs insured with Petplan. The first one, a Rottweiler rescue, was covered with a policy that cost me around $500 a year and paid up to $8000 with a $200 deductible and paying at 80% (70%... Read More
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Hi MJC, I agree with a lot of the points you said, but I am disappointed to hear about frustrations and want to help restore your confidence in our communication and service to you and your furry family members. Please send me an email at socialmedia@gopetplan.com so I can dig into the details and make this a better experience for you. Thank you.
Kathleen C

2/11/2017
I have insured both my dogs with Pet Plan for a couple years. I have been beyond happy with the service and coverage. BUT I was just informed that the cost to insure my two dogs will now be more than a mortgage payment. I will be switching companies at the end of the annual period. I have done much research and the other comparable companies with pretty much the same coverage are A LOT less expensive. Unfortunately, three out of the five people I know who currently use Pet Plan insurance are cutting their losses and taking their pre-existing conditions and all to other companies. What is sad is Pet Plan is forcing people with relatively healthy dogs to go elseware and people with... Read More
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Megan C  
Official Response

Community Manager of Fetch Pet Insurance
Hi Kathleen, I'm really sorry to hear that you're upset and concerned with the plan changes, I can certainly understand why. I'm getting the impression that you've already spoken to someone in Customer Service, but if you're willing, I'd like to have you speak with a manager. Please know that we value your business and your opinions very much, and we would like to hear your feedback to see what we can do. Could you please send an email to socialmedia@gopetplan.com with your full name, policy number, and the best phone number to reach you? Thank you in advance for your cooperation. -Megan Christel, Community Manager
Mary H

2/11/2017
Storm had to have surgery to repair his knee after tearing the ligament. There was so much involved in preparing for the surgery such as pre and post x-rays, care, etc. Petplan covered 80% and the turn around on the reimbursement was fantastic. We were worried about Storm and it was nice to know we had insurance to help us out financially and ease that burden.
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Liliana

2/10/2017
I am extremely satisfied with my dog insurance through petplan. Our sweet Xavi is a special needs pup and has had epilepsy since he was 1 year old. Pet plan has paid for 90% of his medication and treatments related to his condition for the past 6 years. He has also had 2 torn ACL replacements covered by petplan. The customer service reps are always super friendly and helpful. I always recommend petplan to anyone who ask me about my pet insurance. I have had a great experience with them so far.
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Teresa S

2/9/2017
I have been a policyholder with PetPlan for many years (2011) first with my two Pugs, Sampson (dec 09/2014) and Tess (dec 12/2014); my current dogs, Fox (4 yo Pomeranian) and Louie (3 yo Pug) have also been insured since I adopted them as strays. I've been lucky- up until now- to never have to file a large claim. A few claims, here and there, were filed; however, never have I been more happy to have this insurance than now. Fox was recently showing symptoms of back pain and put on Prednisone; after two weeks on the medication and no significant (if any) progress, I returned to my vet who then said he wanted to do x-rays to ensure there was nothing broken or bad disks. If this... Read More
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K
Kim

2/9/2017
Love Petplan. Submitting a claim is fast and efficient. We have had Petplan for 6 years for two cats. One of our cats has had two separate operations and there has never been a problem paying their portion. Their customer service is excellent. Would not be without insurance having pets.
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M
Michelle

2/8/2017
If it wasn't for Petplan, there is no way that I could afford the expense of the Veterinarian and what they charge to take care of a sick pet. I highly recommend Petplan Pet Insurance as they have been very good about covering mostly all of it and I haven't had to worry with money problems on top of worrying about my cat who is very sick right now. It is so nice and comforting that there is such a provision as this in place for these situations. If you don't have pet insurance, you need it!! And Petplan is an excellent one to have.
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Vanessa G

2/7/2017
Petplan is a great insurance company that offers exceptional customer service. The process for submitting claims is straight-forward and their representatives have always been very helpful and friendly. Unlike other experiences I've had with insurance companies, I've repeatedly felt that they care about offering a quality service/product and, most importantly, my dog's well-being. I really don't have complaints and highly recommend them
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AnnieTagz

2/3/2017
Tried pet plan for 2 years. It cost me over $350 and they covered nothing. Everything I submitted was not covered including neutering, which they said was optional. Not worth it.
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Megan C  
Official Response

Community Manager of Fetch Pet Insurance
Hi Annie, I'm very sorry to hear that you are unhappy with us. It sounds like you may have already cancelled your plan, but I still would like to have a Customer Service Manager reach out to you to address your concerns, and to gain more insight on your experiences with us. Could you please send an email to socialmedia@gopetplan.com with your full name, your policy number (if you still have it), and the best phone number to reach you? Thank you very much. -Megan Christel, Community Manager
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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