Fetch
- Covers dental injuries and diseases, alternative treatment options and sick exam fees.
- Pays up to $1,000 per year for virtual vet visits.
- Can waive the waiting period for knee injuries with a veterinarian exam within the first 30 days of the policy.
- No accident-only plan available.
- Doesn’t cover prescription food.
- May charge a one-time enrollment fee.
About Fetch pet insurance
Fetch earned 4.1 stars out of 5 for overall performance.
Fetch offers an accident and illness plan with unique coverage: up to $1,000 in boarding fees for a pet whose owner is in the hospital for four days or more. The plan also covers vet exam fees, tooth injuries and diseases, and behavioral therapy. There’s no upper age limit for enrollment.
You can add wellness coverage to pay for things like dental cleaning and vaccinations. However, accident-only plans aren't available, and there’s no coverage for prescription food.
Fetch at a glance
Best for: People who have older pets or want coverage for virtual vet visits.
Not ideal for: Those looking for prescription food or accident-only coverage.
Fetch pet insurance plans and coverage
Accident and illness plan
Fetch offers a comprehensive accident and illness plan that covers:
Veterinary exam fees.
Emergency and specialist visits.
Tooth injury and disease.
Breed-specific medical conditions.
Virtual veterinarian visits, up to $1,000 per year.
Diagnostic tests, imaging and ultrasounds.
Acupuncture and chiropractic care.
Behavioral therapy, up to $1,000 per year.
Physical therapy.
Cancer treatment.
Surgery and hospitalization.
Veterinarian-recommended supplements for an injury or illness.
If you go to the hospital, boarding fees for your pet up to $1,000 per year.
Up to $1,000 per year for missing pet advertising and reward.
Wellness plans
The company also offers wellness coverage you can add to your accident and illness plan. Depending on which tier you choose, Fetch’s wellness plan may cover:
An annual exam.
Vaccinations.
Heartworm, flea and tick preventives.
Heartworm, blood, fecal or urine tests.
Dental cleaning.
Microchipping.
Anal gland expression.
A behavioral exam.
A health certificate and activity monitor.
Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
What's not covered
Fetch's accident and illness plan doesn't cover:
Pre-existing conditions.
Cosmetic or elective procedures, like tail docking and ear cropping.
Routine and preventive care (unless you’ve added wellness coverage).
Prescription food.
Claims submitted more than 90 days after treatment.
Most of these exclusions are fairly standard, but there are some pet insurers that will cover prescription food.
Fetch plan options
Deductibles: A pet insurance deductible is the amount you need to pay toward your vet bills before your insurance company starts reimbursing you. The deductible options you see when getting a Fetch quote online will vary depending on your pet and where you live. We saw choices ranging from $250 to $700 per year in our sample quotes, but deductibles as high as $2,500 may be available over the phone.
Reimbursement amounts: You can choose to have Fetch reimburse 70%, 80% or 90% of your vet expenses once you’ve reached your deductible.
Coverage limits: The company website offers annual coverage limits of $5,000, $10,000 or $15,000. Additional limits may be available over the phone, including an unlimited annual benefit.
» MORE: The best pet insurance companies
Restrictions and waiting periods
Age restrictions: Fetch doesn't cover pets younger than 6 weeks old. Unlike some other pet insurers, Fetch has no upper age limit for enrollment.
Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage starts. Fetch has a 15-day waiting period for illnesses and most injuries, with a six-month waiting period for hip and knee injuries. The company may waive the extended waiting period if you have a vet examine your pet within the first 30 days of your policy. Waiting periods may vary by state.
If your pet gets sick or injured during the waiting period, treatment won’t be covered — and the condition will be considered pre-existing going forward. Learn more about pre-existing conditions.
Sample rates and discounts
The cost of Fetch pet insurance depends on where you live, the coverage limits you choose, and your pet’s breed and age.
Sample rates for dogs
To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $300 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.
Breed | Age 2 | Age 8 |
|---|---|---|
French bulldog | $85 | $254 |
German shepherd | $54 | $157 |
Golden retriever | $53 | $152 |
Labrador retriever | $47 | $136 |
Medium mixed-breed dog | $40 | $111 |
Poodle | $54 | $157 |
Sample rates for cats
We also gathered rates for a variety of cat breeds with a $250 deductible and the same annual coverage and reimbursement rates as above. Rates below are sample monthly premiums for cats living in Katy, Texas.
Breed | Age 2 | Age 8 |
|---|---|---|
Devon rex | $25 | $49 |
Domestic shorthair | $22 | $42 |
Exotic longhair | $25 | $49 |
Maine coon | $29 | $57 |
Persian | $25 | $49 |
Ragdoll | $22 | $49 |
» MORE: The best cheap pet insurance
Discounts
Fetch offers more discounts than most pet insurers. Savings may be available for:
Rescuing or adopting your pet from a shelter.
AARP members.
Veterans and active-duty military.
People who get their policies through their employer.
Veterinarians and their staff.
We recommend getting quotes from at least three companies to make sure you’ve found the best deal.
» MORE: Is pet insurance worth it?
Where Fetch pet insurance is available
Fetch's accident and illness policies are available in all 50 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all pets in a given state.
Online tools
Website: Fetch's website is easy to navigate and features coverage information, an extensive FAQ section and a 24/7 chatbot. In addition, policyholders can use their online accounts to file a claim or add a pet to their policy. New customers can get a quote and buy a policy on the website.
Mobile app: You can use the Fetch mobile app to scan documents, view claim history, track how much of your deductible is left and sign up for direct deposit.
Claims
You can file a claim through the app or on the website by providing the company with a paid invoice and detailed medical records. Fetch usually takes about 15 days to process claims and will send status updates via email.
If you set up direct deposit, you’ll receive your payout up to 10 days faster than waiting for a physical check in the mail. You must file claims within 90 days of treatment.
Fetch uses a method of calculating claim payouts that’s common among many pet insurers but less generous than it could be. The company applies your reimbursement rate to your vet bill first, then subtracts your deductible.
Here’s how the math would work if you had a $2,000 vet bill, an 80% reimbursement rate and a $500 deductible.
How Fetch calculates claim payouts: Reimbursement rate first
$2,000 vet bill x 0.8 (80% reimbursement rate) = $1,600.
$1,600 - $500 deductible = $1,100 reimbursement.
How much you pay: $900.
How some other insurers calculate claim payouts: Deductible first
$2,000 vet bill - $500 deductible = $1,500.
$1,500 x 0.8 (80% reimbursement rate) = $1,200 reimbursement.
How much you pay: $800.
How to contact Fetch customer service
Phone: You can reach customer support at 866-467-3875, Monday through Friday.
Email: Send messages to info@fetchpet.com.
Live chat: The website also offers a live chat where you can speak to a customer service representative Monday through Saturday.
Other pet insurance companies to consider
Not ready to make a decision? You may be interested in these other pet insurance companies:
How we review pet insurance
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, consumer experience and more to determine our star ratings.
In our evaluation, we:
Analyzed 2,100 data points.
Got 1,200+ quotes from pet insurers.
Compared 25+ companies.
Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong consumer experience. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.
Dive deeper with our criteria for evaluating pet insurance companies.
Frequently asked questions
Does Fetch pet insurance cover dental care?
Does Fetch pet insurance cover dental care?
Fetch covers all of your pet’s teeth for injury and disease, including gum disease, oral tumors and tooth trauma. It won't cover routine or preventive procedures such as teeth cleaning unless you’ve added wellness coverage to your plan. Learn more about pet dental insurance.
How do you cancel Fetch pet insurance?
How do you cancel Fetch pet insurance?
You can cancel your policy at any time by calling customer support or sending a written notice of cancellation by email or mail.
How much is Fetch pet insurance?
How much is Fetch pet insurance?
Fetch’s website says that the company's plans cost an average of $35 a month for dogs and $20 a month for cats. Plans for puppies and kittens may cost less.
Pet insurance star ratings
NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including consumer experience, scope of coverage and the ability to customize your plan. We reward companies that cover a wide range of medical treatments and that offer perks such as live chat support and direct vet pay. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Pet insurance sample rates
To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets unless otherwise stated.
These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.
