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Fetch, formerly known as Petplan, offers an accident and illness policy for pets. The policy includes coverage for veterinarian exam fees, tooth injuries and diseases, behavioral therapy, cancer treatment and diagnostic tests, like MRIs. Its policy also provides a unique coverage: Fetch will cover up to $1,000 in boarding fees for a pet if its owner is in the hospital. Accident-only and wellness plans are not available.
The company's app lets policyholders manage their accounts, submit claims and scan medical documents, and its website offers in-depth information about what's covered, plus an extensive FAQ section.
Fetch is based in New York, and policies are underwritten by XL Speciality Insurance Co. and Axis Insurance Co.
Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
Fetch pet insurance
Fetch earned 4 stars out of 5 for overall performance. NerdWallet's ratings are determined by our editorial team. The scoring formula considers consumer experience, coverage options and financial strength ratings.
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Fetch's accident and illness policies are available in all 50 states and Washington, D.C.
Fetch pet insurance plans
Fetch offers one accident and illness plan with three annual limits to choose from online: $5,000, $10,000 or $15,000. An unlimited annual benefit may be available over the phone.
What Fetch pet insurance covers
Fetch's pet insurance plan covers:
Veterinary exam fees.
Emergency visits to licensed veterinary clinics within the U.S. and Canada.
Tooth injury and disease.
Breed-specific medical conditions.
Virtual veterinarian visits, up to $1,000 per year.
Diagnostic tests, including MRIs.
Imaging and ultrasounds.
Holistic and chiropractic care.
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.
What's not covered
Fetch's pet insurance doesn't cover:
Cosmetic or elective procedures, like tail docking and ear cropping.
Routine and preventive care.
Spaying and neutering.
Flea and tick protection.
Claims submitted more than 90 days after treatment.
Fetch coverage options
Deductibles: The annual deductible options you see when getting a quote online will vary depending on your pet and where you live. We saw choices ranging from $250 to $700 in our sample quotes, but deductibles as high as $2,500 may be available over the phone.
Reimbursement amounts: You can choose reimbursement for 70%, 80% or 90% of your expenses.
Coverage limits: The company website offers annual coverage limits of $5,000, $10,000 or $15,000. Additional limits are available over the phone, including an unlimited annual benefit.
Restrictions and waiting periods
Age restrictions: Fetch doesn't cover pets younger than 6 weeks old. There's no upper age limit.
Waiting periods: Waiting periods are 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 knee injury waiting period if you have a vet examine your pet within the first 30 days of your policy.
Discounts are available for:
Rescuing or adopting your pet from a shelter.
Veterans and active-duty military members.
Licensed medical services pets.
Veterinarians and their staff.
Going a certain period without filing a claim.
Paying for your policy by quarter or year.
People who get their policies through their employer.
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Website: Fetch's website is easy to navigate and features coverage information, an extensive FAQ section and a 24/7 chatbot. You can chat live with customer service representatives Monday through Saturday. 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.
App: Pet owners can use the app to scan documents, file a claim, view claim history, track how much of the deductible is left, sign up for direct deposit and access the company's 24/7 chatbot feature.
Claims: You can file a claim through the app or on the website by providing the company with a finalized, fully 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.
Customer service: You can contact customer support by mail, via email, through the website's 24/7 chatbot feature or over the phone, Monday through Friday. The website also offers a live chat where you can speak to a customer service representative Monday through Saturday. You can reach customer support at 866-467-3875.
Other pet insurance companies to consider
It’s important to shop around so that you can find the right coverage for your pet’s needs. Check out these other pet insurance options:
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 financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. 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.