Fetch Pet Insurance Review & Pricing (2024) (2024)

Our Fetch Pet Insurance Review

Fetch is a solid option for pet owners who want broad coverage in one comprehensive plan. We gave Fetch 4.5 out of 5 stars based on our provider review methodology and named it our pick for comprehensive coverage. Its plans cover beyond standard care, with coverage for virtual veterinary visits, behavioral treatments, alternative and holistic medicine, emergency pet boarding and advanced dental treatments. Fetch is available in all 50 U.S. states and some parts of Canada.

Although Fetch offers comprehensive coverage, it comes at a cost. The biggest downside is a high monthly premium that customers report significantly increases each year. We reached out to the company for a comment on this claim but did not receive a response. Fetch also offers fewer plan customization options than other providers, which can make offsetting costs more challenging as your pet ages. On the other hand, online customer reviews mention helpful customer service representatives.

We think Fetch is a good choice for pet owners seeking coverage for a variety of treatments. However, budget-conscious buyers should note high monthly costs and the chance of future premium increases. You can cancel a Fetch plan if it becomes too expensive, but any conditions that occurred during your time with Fetch will be considered pre-existing when you switch to a new provider.

Pros and Cons

How Fetch Scored in Our Methodology

How Much Does Fetch Pet Insurance Cost?

Based on the sample quotes we requested for pets in all 50 states, the average cost of a Fetch pet insurance plan is $50 per month for dogs and $28 for cats. Exact pet insurance costs will vary depending on multiple factors, including where you live and your pet’s age. Although your pet’s medical history does not factor into an initial policy price, Fetch can use any claims you file and your pet’s age to raise rates over time.

In response to customer feedback asking for wellness benefits, Fetch added preventive care plans in 2023. The company offers three plan tiers with increasing wellness service reimbursem*nt for an additional monthly fee. In addition to the base plan cost, wellness plan policyholders will pay an extra $11 to $32 per month.

Here is a breakdown of Fetch’s plan costs, including its wellness plans.

*We calculated this average by gathering quotes for ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old. We collected a total of 996 quotes from Fetch.

Compare Fetch’s Cost to Other Companies

According to our analysis of 13 pet insurance providers, Fetch was the second most expensive company, with an average cost $44 more than the cheapest company, ManyPets. Although more expensive, Fetch has more comprehensive coverage than another other company we reviewed.

See How Fetch’s average cost lines up to competitors below:

What Does Fetch Pet Insurance Cover?

Fetch offers one plan and one coverage add-on, which makes for a quick sign-up process. You can request a quote by entering basic information about your pet directly on the Fetch website.

When requesting a quote, you will see a price based on automatically set plan parameters. You can adjust the coverage and price by clicking on “Customize Price,” which brings up three options each for an annual limit, deductible and reimbursem*nt percentage. However, the deductible choices offered may vary depending on your pet’s species and age. A list of inclusions is also presented on this screen, but you will need to scroll down to find a “Terms and Conditions” link if you want to see technical exclusions.

Fetch claims to offer the most comprehensive accident and illness plan on the market, appealing to pet owners who do not want to worry about coverage exclusions. However, like all plans, Fetch does not cover pre-existing conditions or those that occur during the plan’s 15-day waiting period.

Here are other major events and services Fetch excludes:

• Breeding and whelping costs
• Prescription foods
• Elective procedures
• Cosmetic surgeries
• Hip dysplasia, cruciate tears and luxating patellas in the first six months of the policy (may waive the waiting period for knee injuries with an exam)
• Costs beyond “reasonable” amounts for a specific condition
• Therapies not administered by a veterinarian
• Parasites

You can check out a sample plan or the Fetch website to learn more about exclusions, which the company does not list in full during the sign-up process.

Fetch’s Accident and Illness Plan

The accident and illness plan covers all the same treatments, diagnostics and conditions as other providers we’ve reviewed and then some. Fetch covers veterinary care related to accidents and illnesses, as long as the condition is not pre-existing, specifically excluded or first occurred during the waiting period.

Routine and Preventative Care Add-on Plan

You can add Fetch preventive care plans to your base plan for an additional monthly fee. The care plans provide reimbursem*nts for routine care, such as vaccines and dental cleanings, according to a set fee schedule.

Here are the maximum reimbursem*nt amounts for each plan tier, broken down by service:

Fetch’s Deductible, Reimbursem*nt and Annual Limit Options

Fetch allows customers to choose their deductible, reimbursem*nt rate and annual limit when they enroll a pet in coverage. Adjusting these parameters influences premium costs — for example, a higher deductible will lower your premium and vice versa. Compared to other providers, Fetch offers fewer customization options, with only three choices in each category.

Deductibles

When you sign up, you can choose from three deductible options, ranging from $250 to $700. Fetch will offer you specific options depending on your pet’s age and species and where you live. Choosing the highest deductible available to you will lower premium costs but increase the amount you must pay before you can receive reimbursem*nts.

Reimbursem*nt Rates

With Fetch, you can choose between a 70%, 80% or 90% reimbursem*nt rate. After your deductible is applied to covered services, the company will reimburse you at your selected rate for each claim. You will be responsible for covering the remainder.

Annual Limits

An annual limit is the total amount your plan will pay out in a given year. Fetch offers three fixed annual limits: $5,000, $10,000 or $15,000. Choosing a lower annual limit will decrease monthly premium costs but increase the chances of exceeding your coverage maximum in a given year.

Compare Fetch To Other Pet Insurance Companies

Check out our comparison tool to see how Fetch stacks up against other popular pet insurance providers.

*Lemonade may offer shorter waiting periods depending on where you live.

Fetch Pet Insurance vs. Spot Pet Insurance

Fetch and Spot offer similarly priced plans with comparable coverage. However, Spot offers multiple customization options, which translates to more flexibility and ways to save. Spot also has a shorter orthopedic waiting period than Fetch and an unlimited annual coverage option. On the other hand, Fetch offers comprehensive coverage and extra perks.

Here’s how Fetch and Spot plans compare, side by side:

Read our Spot Pet Insurance review to learn more.

Fetch vs. Lemonade

Where Fetch provides comprehensive coverage and limited add-ons, Lemonade’s base plan allows customers to choose add-ons and create a custom plan. In effect, Lemonade is more customizable but does not have as many perks or coverages available as Fetch. In general, Lemonade is more affordable, thanks in part to its reliance on artificial intelligence (AI) to process claims efficiently, an area where Fetch struggles to compete. Note that Lemonade is not available in all 50 states, whereas Fetch is.

Here’s a side-by-side comparison of Fetch and Lemonade plans:

Read our Lemonade Pet Insurance review to learn more.

Fetch’s Sign-up, Claims Filing and Payout Processes

You can sign up for a Fetch plan through its website. Based on our experience, the online quote tool is intuitive and fast and allows you to see how adjusting parameters can change the overall cost. The company clearly displays links to covered services on this page, allowing you to get a better idea of how the plan works. However, we noticed that exclusions were not fully disclosed unless you look for a sample plan elsewhere on the site.

How To File a Claim

Once you enroll with Fetch, you can download its mobile app to manage your account and file claims. Through the app, you can take a picture of your pet’s veterinary invoice and answer a few questions to submit your claim. However, Fetch requires notes from your pet’s medical record to complete the process. Some reviewers on Trustpilot expressed frustration with the claims process for this reason and because of problems with communication.

The company says it pays most claims in two to 14 days — however, some customers reported experiencing prolonged delays because of paperwork issues. Fetch also calculates reimbursem*nts differently than other providers by first applying the reimbursem*nt rate, then the deductible. In effect, it may take longer to reach your deductible and you may initially see smaller reimbursem*nts than expected.

We found that most customers liked the mobile app and found it easy to submit claims. Some noted fast reimbursem*nts for the expected amount, but a few felt that requests for additional paperwork caused delayed payments. When customers called to resolve the issue, they felt customer service was helpful and cared about finding a solution.

We reached out to the company for comment on its claims process but did not receive a response.

Fetch’s Waiting Periods and Age Restrictions

Companies enforce waiting periods to prevent fraud relating to pre-existing conditions, which no pet insurance provider covers. Fetch’s standard waiting period for accidents and illnesses is 15 days, which means the company will deny any claim filed during this time and note any conditions or symptoms that arise as pre-existing. The company does not enforce waiting periods for preventive care reimbursem*nts, which operate differently than standard coverage.

Fetch has a separate waiting period of six months for orthopedic injuries and conditions, specifically those relating to knees and hips. The company may waive this waiting period if your pet undergoes a physical exam and your veterinarian specifically notes no knee abnormalities within 30 days of policy enrollment. However, you cannot reduce or waive the hip dysplasia waiting period.

Pets must be a minimum of 6 weeks old to enroll in coverage. Fetch does not place upper-age restrictions on enrollment. However, it stipulates you must follow your veterinarian’s advice for wellness testing when your pet reaches senior status, or 10 years old for cats and 8 years for dogs. Additionally, Fetch will increase premiums for senior pets but will not cancel your policy due to age.

Fetch Pet Insurance Reviews

Methodology: Our System For Rating Pet Insurance Companies