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Friday, December 9th
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.
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.
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.
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.
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.
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.
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.
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:
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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