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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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C
Cherie

1/9/2017
I wish my health insurance was as easy to file claims with and as fast to pay as PetPlan.
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Erin S

1/8/2017
You couldn't ask for better people to be taking care of you and your furry family in stressful times. We've had 2 scares with our little one and both times they were extremely kind, fast and the plans are what they are, no fine print that leaves you with actually nothing. What would have cost us 7500 cost $200 and we had our refund in 2 weeks. They also let me sob on the phone, twice. I can't say enough great things.
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R
Rose

1/8/2017
Our stubborn and clumsy bulldogge has been covered by PetPlan for the past 5 years since he was a puppy, and boy has he used his benefits! Petplan is totally affordable (especially compared to costs we would have incurred without it!) and their customer service is top-notch. You can email, chat, call, and all forms of communication are responded to immediately and in a friendly way. They process claims within a few weeks and I've never had any issues getting reimbursed. I highly recommend them and will continue to use them for the life of my dog. I don't ever want money to be the final factor in the decision of whether or not this bundle of slobber and love lives or dies and Petplan makes... Read More
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Carolyn

1/6/2017
Beware!!! Our Labrador retrievers (2) have been covered by PetPlan for the past 6 years. I am VERY unhappy with this company and do not recommend it. Sally, one of our "girls" had been treated for an infection between her toe pads while under a different pet insurance company. About a year after signing with PetPlan, Sally developed ear infection.....PetPlan declined to cover this condition and further ear problems, claiming that Sally's toe-pad infection was considered a "pre-exisiting" condition to her ear infection. After another year or so, Sally started experiencing "hot spots" ......yep, not covered due to her "pre-existing" toe pad infection. By this time, while Sally... Read More
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Megan C  
Official Response

Community Manager of Fetch Pet Insurance
Hi Carolyn, I'm very sorry to hear about your negative experiences with Petplan, and I can understand why you're frustrated. I'd really like to have a Claims Manager take another look at your account to ensure that everything was assessed correctly. Could you please send an email to socialmedia@gopetplan.com with your full name, your policy numbers, and the best phone number to reach you? Thank you in advance for your cooperation, Megan Christel, Community Manager
K
Kaitlyn

1/4/2017
My dog Bear has always been covered by Petplan. They have fair prices on policies, excellent customer service and timely reimbursement. Thank you Petplan.
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David P

1/3/2017
I have been with Petplan since we got our Yorkiepoo 6 1/2 years ago. For most people who have pets, you know that they become members of the family. I knew I would become attached to "Rambo" all 17 lbs of him when we got him. I also knew that I never wanted to be in a position where I contemplated putting him down because a procedure was too expensive. In doing my research, I felt that Petplan offered the best options and when I called to talk with them, they even explained things that helped me save more money. There representatives are incredibly friendly and understanding. I keep telling friends to please get pet insurance even if it's not Petplan so that they don't have to be... Read More
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C
Cindy

1/3/2017
Petplan has always been there for my baby. I would recommend it to everybody
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Karen C

12/30/2016
Was great for past 9 years, but the recent changes by new underwriter XL Speciality Insurance has terribly expensive options that make no sense compared to other options in the marketplace. I will leave as soon as I can get other insurance in place.
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Megan C  
Official Response

Community Manager of Fetch Pet Insurance
Hi Karen, I'm really sorry to hear that you're unhappy with the underwriter changes, and I understand why you're concerned. Yes there have been premium increases, but there are also some new options that have been introduced with the new plan as well. I think it may be helpful for a Customer Service Manager to reach out and explain all of the changes/options so that you're able to make an informed decision as to how you'd like to proceed. 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 very much for your cooperation, Megan Christel, Community Manager
T
Tony

12/30/2016
We recently submitted our first claim for our 10 year old Yorkie. He had been coughing more than normal and we knew it wasn't just kennel cough so we took him to our vet. After examination, we were referred to a cardiologist vet. More extensive testing was done. It was good news in the end, but still left us with nearly $1000 bill between the two vets. Petplan picked up a little over half of the cost after the deductible. Additionally, the servicing of our claim was fast. We were pleasantly surprised and happy with the way our claim was handled. As mentioned, this was our first claim, we didn't know what to expect. The service surpassed our expectations. Highly recommend Petplan.
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F
Flossie

12/16/2016
I have the same experience. I pay $80 a month and they use the deductible to not pay Most vet bills are less than 200 per visit but when you go 1 time a week for 3 weeks to solve a. Condition $$$$. What a game with the per visit deductible. Should be per condition visits Not happy getting letter from Petplan for each. Visit sorry we won't pay. I never write these reviews but I love my pet . And I feel taken advantage of. No benefit for base fee
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Keith G  
Official Response

Director of Content of Fetch Pet Insurance
Hi Flossie - I'm sorry to hear you're unhappy with your experience thus far, but did want to let you know that our per condition deductible is exactly that - per condition, not per visit. We also offer lower deductible options than $200 so you are free to choose a lower deductible if you are finding that your vet visits do not meet the per condition deductible. Most recently, we also introduced an annual deductible to provide even more flexibility to our family members. To allow us to further address your questions, please send an email to socialmedia@gopetplan.com with your full name, policy number, and the best phone number to reach you so that we can alleviate your concerns. Thank you very much for your concern and understanding - Alyssa.
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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