Overview

Fetch pet insurance offers one simple, comprehensive plan for your furry friends at a price that’s affordable. Fetch pet insurance plan covers your pet's accidents, illnesses, and even breed-specific issues, down to the very last tooth.

By visiting the official Fetch website, you can receive a free quote tailored to your pet based on age, breed, and location. However, as with every pet insurance plan, there are limitations to keep in mind before signing up.

Processing a claim with Fetch is quick and easy. All you have to do is take a photo of your vet documents and answer a few questions about treatments. Then the company takes care of the rest. Claims take about two weeks to process. You will receive your reimbursement in as little as two days after your claim is approved, so you can enjoy rapid payments with Fetch.

An additional perk is that no matter if you are already with a vet or not, Fetch offers vet flexibility. You can use any veterinarian in the US or Canada, including specialists and emergency clinics.

Fetch pet insurance has an ‘Excellent’ rating on TrustedPilot out of thousands of customer reviews. Not only do they provide great pet insurance but also excellent customer service.

The company even has mostly pet-owner employees, so they understand exactly what you’re looking for when it comes to pet coverage.

But will Fetch provide the best option for you and your furry friend? Discover what real customers have to say about Fetch pet insurance in this review.

Policies

With Fetch pet insurance, you get one simple, comprehensive policy that covers:

Prescription medications & supplements, allergies, emergency vet visits, virtual, in-home & office visits, hospital stays, physical therapy, surgeries, X-rays & CT scans, ultrasounds, blood tests, breed-specific issues, including hip dysplasia, specialists, sick-visit exam fees, laboratory tests, vomiting & diarrhea, hereditary & congenital issues, swallowed objects & toxins, every tooth covered, gum disease, diabetes & insulin, cancer treatment, acupuncture & chiropractic care, and treatment for aggression & separation anxiety.

All policies will take effect at 12.01 am the day after activation with a 15-day waiting period, meaning that any claims made during this time will not be covered.

Additionally, hips and knee injuries must wait six months to be covered. However, having your pet examined by a vet within 30 days of purchasing your policy may waive the waiting period for knee injuries.

Limitations

As with all pet insurance companies, Fetch comes with some limitations.

Here’s what is not covered with Fetch pet insurance:

Routine visits and preventive

Fetch doesn’t cover annual visits, vaccinations, or wellness treatments. Nor do they cover preventive care like spaying/neutering, dental cleaning, and flea and heartworm medications. However, you can purchase wellness coverage as an optional add-on for an additional fee.

Pre-existing conditions

Like other providers, Fetch doesn’t cover pre-existing conditions. To ensure your pet gets covered, make sure to provide a baseline exam to establish your pet’s health and to cover future conditions.

Claims filed more than 90 days after treatment

‍‍All claims must be submitted within 90 days of the invoice date; anything after this period will not be covered.

Prescription food

Supplements recommended by your vet as a treatment for an underlying condition are covered by Fetch, but prescription foods are not.

Grooming and cosmetic procedures

The cost of grooming or cosmetic surgery, such as declawing, ear trimming, or tail docking, is not included with Fetch.

Before choosing the right pet insurance for you and your furry friend, be sure that you are aware of the full policy limitations to clarify what’s covered and what’s not.

Cost

Vet bills are affordable thanks to the efforts of Fetch.

On average, Fetch's pet insurance costs $35/per month for dogs and $25/per month for cats. However, this varies for each person and policy. There are three factors that determine the price of your pet: age, breed, and location. Keep in mind that Fetch may automatically increase your premium after your annual renewal which can get costly.

The Fetch website offers a free quote that is customized to your needs. Upon submitting your pet's details, you'll receive a quote in which you can customize your deductible, your max payout, and your reimbursement rate to suit your budget. Your premium billing can be tracked via the Fetch app once your account has been created and your policy is live.

Sample coverage for a 3-year old dog:

$95.79 per month

$5,000 Max annual payout

$300 Annual deductible

80% Reimbursement

Customer Support

The official Fetch website includes an extensive FAQ section that has all the answers to common inquiries. Yet if you’d like to reach out to the company with a compliment or a complaint, you can reach the customer service team by phone or online chat.

With a 4+ star rating on Trustpilot, here’s what real customers have to say about Fetch pet insurance:

I have submitted several claims lately for my dog that developed a serious heart condition. All claims were reviewed and approved very quickly. After reaching my deductible, I started getting payments back, too. The communication is excellent!

Highly recommend Fetch as an insurance provider. Customer service is great, and the process for filing a claim is very easy. I have been using them for a few months now and have not had any issues.

Fetch always comes through and pays extremely fast!

Furthermore, Fetch is active across all social platforms, including Instagram, Facebook, Twitter, Pinterest, and Youtube, so you’ll never struggle to reach them!