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Fetch Review

Monday, April 15th

2024 Pet Insurance Company Reviews

Fetch Review 3.5 Star Rating


3.5 Star Rating
  • For dogs and cats
  • Includes dental coverage
  • Even older pets can be covered
  • No sign-up fees

Fetch is a newer company. They have a lot of features in their accident and illness policy, and even offer a few that other companies don't, such as holistic care. If your pet is lost or stolen, the cost of finding your pet, including the reward, is included in the premium.

A new name

If Fetch is a new name to you, that's because it is. The original company was Petplan, and that was acquired by Warburg Pincus in 2019. The following year, The Dodo acquired a minority stake in Petplan, and later rebranded it as Fetch by Dodo. The policies are administered by Fetch Insurance Services, LLC, and underwritten by XL Specialty Insurance Company as well as AXIS Insurance Company.

Generous coverage

If your pet becomes injured or ill, Fetch covers the vet's exam fees, emergency visits, diagnostic tests, hospitalization, as well as acupuncture, chiropractic, physical therapy, homeopathic therapy, and specialists, if needed. Dental disease and dental injury are covered, including each tooth, not just the canines. Virtual visits are also covered, whether they're via video, phone, chat room, or text, for up to $1,000 per year. Some purebred conditions like diabetes, asthma, arthritis, and cancer are covered, as long as they didn't affect your pet before insurance coverage started.


  • Dogs start at about $28 per month (for a one-year-old mixed breed)
  • Cats start at about $20 per month (for a one-year-old American short hair)

Standard coverage exclusions

Like many insurance companies' policies, wellness visits aren't covered, nor are pre-existing conditions, spaying/neutering, teeth cleaning, vaccinations, or flea and tick treatments. Declawing, ear cropping, and tail docking aren't covered unless deemed medically necessary.

Additional features

What's nice about Fetch is that certain issues that aren't always covered by pet insurance are covered by Fetch. Behavior issues, alternative and holistic therapies, vet-recommended supplements, and - wait for it -the cost of advertising plus a reward if your pet is lost or stolen are all part of your policy here. If you become hospitalized, pet boarding is covered for up to $1,000.

They care about your breed

Fetch's pet insurance policies cover all breeds, which isn't necessarily true for all companies. Even better, Fetch allows coverage for breed-specific issues, which you may not find anywhere else.

15-day waiting period

Most pet insurance companies have a waiting period. Fetch has you wait 15 days from when your policy starts until you can make a claim.

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Many different discounts available here

If you have adopted your pet from a shelter or rescue, if you're an AARP member, are on active duty, your household family member is a veteran, you're a veterinarian, or veterinarian's staff, you can receive a discount. If you pay quarterly or annually, you can avoid the installment fees. If there's a certain period where you don't file claims, you can earn up to 30% off of your premium. If you're wondering if there's a multiple-pet discount, there isn't, so hopefully one of the above applies to you.

Customize your price

Like most of the pet insurance companies, you can customize your Fetch premium price by selecting your limits. Choose an annual deductible of $250, $300, or $400. Choose your reimbursement from 70%, 80%, or 90%. Lastly, your maximum annual payout will be $5,000, $10,000, or $15,000. Mix and match for the coverage you want and the price you want.

Annual wellness visit required for policy renewal

In order to renew your Fetch policy from year to year, you'll need to have an annual wellness visit. Those aren't included in your coverage, so you'll have to plan for that expense if you want to get your pet insurance here.

Use the app to make a claim

The app can help you file a claim when you upload the requested info from the vet. Accepted claims can be reimbursed in as little as two days with a direct deposit to your account. Even so, claims can take up to 22 days to process.

Full-body coverage

We like that Fetch covers the whole body, including all of the teeth, and they cover alternative therapies. We also like that they'll insure older pets, and that if you are hospitalized, Fetch will cover your pet's boarding costs. They don't cover wellness visits, but that's commonplace.

Customer feedback is sparse but positive

Most clients are happy with Fetch, especially their customer service. Those who are disgruntled complain about the timeliness of reimbursement. Since Fetch by the Dodo is a relatively new company, there's not a lot of feedback to be seen.

So far, so good

Fetch covers illness and accidents, alternative therapies, and even boarding while you are in the hospital. It also covers older pets, issues that come with certain breeds, and has a competitive price. People are pleased with the customer service, but complain about the time it takes to get your reimbursement. Routine visits and wellness care aren't included, yet a wellness visit is required each year for renewal. If you weigh the pros and cons and decide that Fetch is the right pet insurance policy for you, it'll probably be a good experience - but we'd recommend getting quotes from our higher-ranked insurers too, before making your final decision.

Which Pet Insurance is the Best?

We love our fur babies and want to help them live as long and as healthy as possible. Pets take daily care, and they also require vet visits, whether for wellness, to update vaccinations, if they are ill or in an accident. Veterinarian bills can be expensive, so many owners have chosen pet insurance.

Pet insurance has only been around since 1982, so if you don't know much about it, that's understandable. Pet insurance can be similar to human health insurance where you can see a provider for wellness visits, illness, or accidents. There are in-office visits, telehealth, and 24/7 availability for answering questions.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

However, you should be aware of some essential differences between human health insurance and pet insurance. The vet doesn't file a claim, like your own provider would. You pay the vet bill, submit the claim online or on your phone, and then you're reimbursed by the insurance company - the vet doesn't get involved. Wellness care can be an add-on rider to cover a routine exam, vaccinations, spay/neuter, teeth cleaning, and so on.

Although accidents are the most common to be covered, many companies don't cover illnesses such as diabetes, allergies, or infections. Younger pets may cost less to insure, but that will greatly increase as they age; and when they are elderly, the company may even drop the coverage, so be sure to ask about aging pets, even when your pet is young. You can choose your deductible, copay, max annual reimbursement, and optional add-ons. Find out what coverage they recommend for your breed, and ask about multiple-pet or other discounts.

More dogs have pet insurance than any other animal, and the rate for cats is about half that of dogs. Owners of indoor cats might think they don't need pet insurance, but older felines can have chronic or recurring conditions which might require costly care or frequent vet visits.

While you might not expect your pet to become ill or have an accident, those vet bills can be quite costly, especially if a procedure, surgery, or ongoing care is needed. Unless you're budgeting in anticipation of these, pet insurance could be quite the relief for when you need it. If you have an older pet or pet prone to certain conditions, prices can vary greatly between companies, so we suggest getting quotes from a couple of your favorite companies before you make your final decision. In addition, even if you are getting a puppy or kitten, ask about coverage and premiums as if they were older so you get a look into the future.

When choosing which pet insurance provider is right for you, here are a few things to consider:

  • Your pets and their age(s). You may have a cat or dog now, but if there's a possibility of someday adding a hamster, bird, or turtle, will your pet insurance cover the exotic pet? Is there a multiple-pet discount? As your pet ages, he might be prone to diabetes, accidents, and more-frequent office visits, so be sure to ask if coverage lessens, gets more expensive, or even stops with these conditions.
  • Reimbursement. If you have a pet that might require a lot of medical bills, you should consider a plan with up to 100% covered on the vet bills.
  • Choice of vet. Similar to a human's health insurance, your pet's health insurance company may have in-network vets and others that are out-of-network that they won't cover fully or at all.
  • In-office or at home. Typical plans will offer in-office visits. You should consider telemedicine, in-home care, or availability in other countries if you plan on traveling.
  • Pre-existing conditions. See if your potential pet insurer will look at your pet's medical record to find out upfront if there are any pre-existing conditions that wouldn't be covered, so there are no costly surprises. Do this even before you purchase.
  • Type of plan. You might want your insurance to cover more than just routine vet visits. Consider accidents, wellness care, routine care, preventative care, behavioral treatment, and alternative therapies. Your pet could have better health coverage than you!
  • Discounts and rewards. Some companies will give a multiple-pet discount, and others offer rewards for wellness and routine care.
  • Helpline. Whether you're new to owning a pet, have a different breed than you're accustomed to, or just worry about your pet, some insurance companies are available 24/7 for help or even for telehealth visits.

TopConsumerReviews.com has reviewed the best pet insurance companies available today. We hope this information helps you to get the best pet insurance for your fur baby so they can be well cared for in a long, happy, and healthy life!

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