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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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Lauren

11/25/2016
We purchased Petplan insurance for all of our dogs several years ago after our 2 year-old Labrador retriever "Gizmo" tore both CCLs and required 2 TPLO surgeries and a patellar luxation - costing us about $7,000 that was not in the budget. We could have never known that years later our Petplan insurance would save the life of another of our dogs - diagnosed with a nasal carcinoma in 2013, our Labrador retriever "Tiki" has incurred in excess of $12,000 (and counting) in medical bills due to her 2013 radiation treatments and now her 2016 recurrence of the nasal tumor. Tiki is with us today because of her Petplan insurance, because without it we could never have afforded her treatments. I... Read More
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Gregory D

11/25/2016
Our six year old tuxedo house cat slipped out the door somehow and was missing for six weeks until spotted in a neighbors yard. He was 17 pounds beforehand and lost 7 pounds while on the lamb. When found he was dehydrated and had become anorexic. The veterinariam diagnosed him with hepatic lipidosis (fatty liver) disease due to starvation while living in the wild. After several days of unsuccessful attempts to stimulate his appetite, an esophogeal feeding tube was placed. The liver disease was compounded by pancreatitis and resulting diabetes, which requires an insulin dosage. The cat is slowly improving with reversal of jaundice yellowing with increased activity and more... Read More
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Leah L

11/23/2016
Our dog got critically ill with pneumonia and needed a stay in the ICU to recover. At 16 her chances were slimmer than for a younger dog. Having Petplan made the decisions we had to make less stressful as we felt like we had a partner in our dog's health. Since she was able to get great care she pulled through and we will have more time with our best friend/furry family member.
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Gagakiki

11/23/2016
My dog is now 1 year old, but when we purchased Pet Plan, she was only 8-weeks-old, paying about $ 35 monthly with $ 200 deductible. I didn't know the deductible is based on "per condition"; this is what happened; so my dog twisted her ankle when she did her run, and we went to emergency, the bill was $ 430, great, I paid and filed the claim, with the deductible $ 200, and 80% coverage, I got $ 184; then another claim was when my dog's paw was infected because it's too wet and humid by walking in the rain so much, the cost was $ 154; when I thought about getting some money back because I have used up the deductible $ 200, then it's wrong; I called, and the representative explained to me... Read More
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Megan C  
Official Response

Community Manager of Fetch Pet Insurance
Hi Gagakiki, you make a lot of good points in your review in regards to the per condition deductible, and I can understand why you're upset. I think it may be helpful to talk to one of our Happiness Managers who can better explain all the "in's and out's" of your policy, as well as how it all works, and why it's still beneficial for you. Please feel free to send us a direct message with your full name and policy number, or you're also welcome to call our Customer Service Department directly at 1-866-467-3875. Thank you very much. -Megan
Brandon Y

11/22/2016
Petplan has been excellent to work with! Their customer service is very helpful and they reimburse claims in a fast and easy process done through an app on the phone. If you have a loved pet, it is essential to get them pet insurance.
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Susannah G

11/22/2016
We LOVE petplan. They never give us trouble when our sweet little cavalier comes in with astronomical bills from the vet! They have covered his pneumonia, Lyme Disease, Giardia, AND full Knee Surgery. They are helpful on the phone, have great customer service, and are true to their word. If only human medical insurance was quite this easy!
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M
mark

11/22/2016
Petplan is absolutely amazing..really came through for me and my dog. My JRT had a nasal tumor 2 years ago and we went through 18 radiation treatments for her. Her doctor gave her a clean bill of health after the treatments, but unfortunately the tumor returned. We started radiation again and again Petplan is coming through for us. Pets unfortunately dont have the same level of patient advocates as humans, and the cost of treating a pet with cancer is similar to treating a human. I would do anything for my dog, but Petplan is making that discussion much much easier. I will never go without Petplan insurance for any of my current or future pets.
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Esther P

11/22/2016
We had an excellent experience with Petplan insurance. We have a six year old Lasalier named Lola. Lola is a wonderful, sweet, lovable dog and we love her very much. This year Lola had a tough time. In August, she tore her ACL in her back right leg and needed surgery. Lola had surgery in September; the surgery went well and Lola was healing beautifully. A month later in October Lola jumped off our bed and herniated a disc. The disc was pressing into Lola's spine and she didn't have use of her hind legs. It was devastating for our family to see Lola this way and we were so worried about her. Lola needed a MRI and required another surgery to remove the herniated disc. Her second surgery... Read More
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Sharon S

11/20/2016
My 1 year old Pekingese was diagnosed with encephalitis. Over a 6 month period, we made 2 trips to Penn Vet, an ER visit, multiple visits to my vet, as well as an acupuncturist , and lots of expensive medicines. Pet Plan paid out over $10,000 in claims. The whole process for submitting claims was simple. The claims were all paid within 2 weeks, and Pet Plan never questioned any of the claims. If it were not for PetPlan, I could not have afforded the level of care I was able to provide
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barbc7

11/19/2016
Our dog, Scooter, had started to limp from time to time and, after not seeing any improvement, we went to our vet to have it checked out and they diagnosed him with elbow dysplasia. We were then referred to a canine orthopedic specialist who took x-rays and corroborated the initial diagnosis and we agreed on a treatment. We had both our regular vet and the specialist complete/fax the Petplan claim forms and were pleasantly surprised at the speed and ease with which they were paid. We previously had Petplan with our last dog and they were great then as well. I have nothing but good things to say about Petplan and highly recommend them to all dog parents! It's nice to know they've got our... Read More
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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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