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Fetch Pet Insurance Review
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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.
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.
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.
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%.
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.
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.
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.
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 | |
| 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
Jose Omar Rodriguez
Editor
A majority of the comments about Fetch are favorable and mention the personal attentiveness of the firm’s customer service employees. A number of customers, however, feel squeezed by dramatic increases in premiums and a per-condition deductible that's applied in addition to an annual overall deductible.
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Customer Comments
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Natalie C
6/17/2015
I have had numerous issues regarding when I have had to move states and also a lot of mix ups with my father's plan, we lived in the same house when he signed up his dog. The plan increases amount whenever they can justify it, for example every time I would move even when I moved back to the same address I was in before. I want to take care of my pet and make sure she is covered but I just feel like pet plan is taking advantage.
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