Fetch Review

Saturday, January 18th

2025 Pet Insurance Company Reviews

Fetch

• Pricing: Plans start at $35/month for dogs and $20/month for cats
• Quote of $130.89/month for our test dog
• No upper age limit for coverage
• Covers all 50 states and most of Canada
• Includes coverage for dental care (every tooth and gums)
• Covers alternative and holistic care
• Includes sick visit exam fees
• Covers boarding fees when owner is hospitalized
• Provides advertising and reward coverage for lost pets
• Offers flexible coverage options with various annual payout limits
• 6-month waiting period for certain conditions can be waived with vet exam

Fetch Pet Insurance has been around since 2003, covering cats and dogs 6 weeks of age and older with no upper limit. Fetch insurance is accepted by all licensed veterinarians in the US or Canada. They offer flexible coverage options with maximum annual payouts of $5,000, $10,000, or $15,000. Customers can choose annual deductibles of $300, $500, or $700, and reimbursement rates of 70%, 80%, or 90%.

Main plan is expensive, but covers extras like reward money

Fetch says their plans for dogs average out to $35 a month and $20 for cats. However, for our example quote with Magnus, an 8-year-old large mixed breed dog in Illinois, Fetch provided a monthly premium of $130.89 for an accident & illness plan with a $5,000 annual payout limit, $500 deductible, and 80% reimbursement rate. This plan covered:

• Treatment for accidents and illnesses
• Sick-visit exam fees
• Dental care (every tooth and gums)
• Alternative and holistic care
• Breed-specific issues
• Emergency vet visits and specialists
• Diagnostic tests and hospitalization
• Physical and behavioral therapy
• Online vet visits
• Supplements
• Boarding fees (when owner is hospitalized)
• Advertising and reward for lost pets

Wellness add-on starts at $15.33/month

For coverage of preventive care like annual exams, vaccinations, microchipping, dental cleaning, vaccinations, and more, you can choose one of three Fetch Wellness tiers as an add-on: Essentials ($15.33/month, up to $315 in annual benefits), Advantage ($25.03/month, $520 in benefits), or Prime ($37.93/month, $735 in benefits).

6-month waiting period for cruciate ligament or patellar luxation issues can be waived

Fetch Pet Insurance has a waiting period of up to 15 days for most conditions, but a 6-month waiting period for hip and knee injuries. This longer waiting period can be waived if a veterinarian examines the pet within 30 days of enrollment and determines there are no pre-existing conditions.

15 days to process your claim

Fetch asks for a bit more documentation during the claims process than some other pet insurance companies. Make sure you have the finalized invoice, and, in addition, records of your pet's medical history from their most recent annual exam (as opposed to from a visit for another reason, like injury or illness). Fetch also recommends setting up direct deposit in your account settings to get paid back sooner. You'll need to wait about 15 days before your claim is processed.

Rates will increase for a variety of reasons

Fetch, like most pet insurance companies, uses a rate increase structure called "birthday pricing”, so expect your premiums to increase each year. Some customers believe that since the company changed underwriters, rate increases have accelerated. Although the company uses evasive language to make it sound like your number of claims won't impact your premium, customer experience indicates that if you regularly make claims, you may find yourself with reduced coverage at higher prices,

Volume of positive reviews may not be representative of customer experience

Fetch has a 4-star rating on Trustpilot from 3,000 reviews, but we'd approach this with a healthy dose of skepticism. Many 5-star reviews seem to have been solicited from customers after speaking with sales representatives - when the company is eager to make a good impression to get you in the door. These reviews often don't reflect experiences with the actual insurance quality, such as claim rejections or unexpected rate increases. The most common complaints we saw were about the company requiring paperwork that doesn't exist, the 90-day window to submit claims being too restrictive, and price increases. Customers whose pets needed dental procedures are happy, though - Fetch's coverage in this area is one of the best on the market.

Worth a try

Fetch thinks they're your best option for pet insurance. No upper age limit? Check. Coverage across the US and most of Canada? You bet. They'll even help cover costs if you're hospitalized and need to board your cat or dog. They embrace alternative treatments and will chip in if your pet goes missing. Sounds pretty good, right? But hold on, there are still a few things to consider. Some of Fetch's competitors point out that you'll need to get an annual dental exam for your pet, and you'll have to visit the vet within 6 months before enrolling. As we mentioned earlier, they've got a 6-month waiting period for certain orthopedic conditions. There's also no multi-pet discount, which could be a bummer if you've got a full house. There's also some doubt as to whether or not filing a claim will increase your premium. If none of these things sound like a dealbreaker to you, Fetch could be a good option for pet insurance.