Fetch Pet Insurance Review: Coverage, Costs, and How it Works
Fetch offers broad coverage for cats and dogs, including accident, illness, and specialty care. But it costs more than many competitors.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Table of contents
Fetch Pet Insurance offers broad coverage for dogs and cats in both the U.S. and Canada. It stands out for its comprehensive protection, covering a wide range of illnesses and injuries — including some treatments that other pet insurance companies may not include or may charge extra for.
For example, Fetch’s accident and illness policy includes coverage for exam fees for sick or injured vet visits that other insurers charge extra for. And you can get well-visit fees covered if you add optional wellness coverage to your policy.
But Fetch’s comprehensive coverage costs more than many of its competitors. Fetch policies average $66 per month for dogs and $23 for cats, our data shows. Its average rate for dogs is nearly 205% higher than its cheapest competitor, and its average rate for cats is about 77% higher.
If you’re considering Fetch pet insurance for your furry best friend, here’s what to know about the insurer, including coverages, premiums, reimbursement rates, and more.
Our Take on Fetch Pet Insurance
Fetch offers a broad range of coverages as part of its standard accident and illness policy, including some things other insurers charge extra for. For example, add in its wellness package, and Fetch delivers comprehensive protection for your pet.
We also like some of its extras, like its $1,000 benefit to help advertise and provide a reward if your pet goes missing.[1] And its dental care is superior, covering every tooth rather than just the canines.
But Fetch doesn’t offer as many customization options as some competitors. For example, Fetch offers only three reimbursement options and three deductible choices. If you want 100% reimbursement or a high deductible, those aren’t available with Fetch.
And Fetch’s premiums are among the highest, according to our data.
Fetch
Pros
Covers sick-visit exam fees
No upper age limit for enrollment
Pays up to $1,000 to advertise missing pets
Cons
No coverage for pre-existing conditions
Doesn’t cover prescription food
Long waiting period for orthopedic conditions
Fetch offers comprehensive pet insurance that includes coverage for some health issues other insurers exclude, like full dental care. Annual payout limits range from $5,000 to $15,000, with reimbursement options of 70%, 80%, and 90%. To get coverage for routine and preventive care, you can add one of Fetch’s wellness plans.
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What Pet Insurance Policies Does Fetch Offer?
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Pet insurance policies typically are either accident-only or accident and illness plans. But Fetch offers one policy that covers accidents and illnesses. You can also add a wellness plan if you want help paying for routine care like annual checkups.
Fetch doesn’t offer any other optional coverages. But its main policy covers many things that other insurers offer as add-ons, such as comprehensive dental care.
What Fetch Pet Insurance Covers
Fetch’s accident and illness plan covers a wide range of treatments, including:
Accidents: Broken bones, accidental poisoning, emergency visits, car-related injuries, etc.
Illnesses: Cancer, allergies, infections, and breed-specific conditions
Diagnostics: X-rays, CT scans, ultrasounds, and lab work
Specialty care: Acupuncture, chiropractic therapy, and even behavioral treatments
Dental: Full coverage for adult teeth, including gum disease
Pre-existing conditions
Like most pet insurers, Fetch doesn’t cover pre-existing conditions — anything your pet showed signs of before enrolling or during the 15-day waiting period. That includes treatable issues if symptoms started before coverage kicked in. Enrolling your pet when it’s a puppy or a kitten can help you avoid these exclusions.
To give you a better idea of what a plan includes, here’s how Fetch handles coverage for common pet health issues:[2]
Condition/Service  | Covered by Core Policy? | Waiting Period |
|---|---|---|
| Broken bones | Yes | 15 days |
| Orthopedic conditions | Yes | 180 days |
| Cancer treatment | Yes | 15 days |
| Skin allergies | Yes | 15 days |
| Dental disease | Yes | 15 days |
| Prescription medications | Yes | 15 days |
| Weight loss treatment | No | N/A |
| Behavioral therapy | Yes | 15 days |
| Prescription food | No | N/A |
| Non-curable pre-existing conditions | No | N/A |
| Curable pre-existing conditions | Yes | 12 months |
| Cosmetic procedures | No | N/A |
The policy includes unique protections, like full sick-visit exam fee coverage ($50–$250 savings per visit) and unlimited annual benefits. All coverage applies at any licensed vet in the U.S. or Canada.
Routine care add-on
If you want help covering checkups and other basics, you’ll need to add a Fetch wellness plan. The base wellness plan, Essentials, starts at around $10 per month. For more coverage, you can choose an Advantage plan, and for top-level coverage, choose a Prime plan.
Here’s how Fetch’s wellness plan coverages compare:
Treatment/Procedure | Essentials | Advantage | Prime |
|---|---|---|---|
| Annual checkup | |||
| Vaccines | |||
| Heartworm, flea, and tick prevention | |||
| Heartworm testing | |||
| Dental cleaning | |||
| Spaying/neutering | |||
| Blood tests | |||
| Urinalysis | |||
| Fecal test | |||
| Microchipping | |||
| Anal gland expression | |||
| Behavioral exam | |||
| Health certificate | |||
| Activity monitor |
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How Does Fetch Pet Insurance Work?
Like most pet insurance, Fetch works on a reimbursement basis. You’ll pay the vet bill up front, then submit a claim for reimbursement through the Fetch mobile app or your online account.
To file a claim, you’ll need to upload:
A finalized invoice showing a zero balance, or proof of payment
Your pet’s most recent medical records, including exam notes and lab results
You have up to 90 days after the visit to file a claim.[3] Fetch typically processes claims in about 15 days, and if you opt for direct deposit, you could get your money back in as little as two days.
Fetch reimbursement rates
When you buy your policy, you’ll have the opportunity to choose how much of your costs you want Fetch to reimburse each year. The insurer offers 70%, 80%, and 90% reimbursement rates. But if you want 100% reimbursement, you’ll have to look elsewhere.
If you choose a reimbursement rate of 70%, Fetch will repay you that percentage of covered expenses (minus your deductible) when you file a claim. You’ll be responsible for your deductible amount and the remaining 30% of the covered cost.
Deductibles and payout limits
Fetch lets you choose your annual payout limit based on your budget and how much coverage you want. Your deductible — the amount you’ll need to pay out of pocket before Fetch starts reimbursing your claims — resets each year.
Fetch’s deductible options are $300, $500, and $700. A larger deductible typically means you’ll have a lower monthly premium but will pay more out of pocket for a covered claim.
Fetch annual payout limits — what the insurer will pay in a given year — are $5,000, $10,000, and $15,000. So if you choose a $5,000 cap but have to file a $6,000 claim, Fetch would pay up to $5,000 minus your deductible. The remaining $1,000 would be your responsibility.
Example: How Fetch reimbursement works
Let’s say your dog needs emergency surgery after swallowing something, and the bill is $1,000. If your plan includes a $300 annual deductible and an 80% reimbursement rate:
If you haven’t hit your deductible yet, $300 would be subtracted from the total, leaving $700.
Fetch would cover 80% of the reduced bill, or $560.
If you’ve already met your deductible for the year, you’d get the full $800 (80% of $1,000).
Fetch vs. Pumpkin, ASPCA, and Lemonade
While it’s important to find a pet insurance policy that fits your budget, it’s also vital to consider other factors, like coverages, reimbursement options, and wellness benefits.
Here’s how Fetch stacks up to some top competitors.
Pumpkin
Pros
Covers behavioral issues and dental illnesses
Includes an optional wellness package
No upper age limit for coverage
Cons
Higher premiums than some competitors
Preventive care available only as add-on
14-day waiting period for illnesses
Pumpkin’s average premiums are comparable to Fetch’s, according to our data. Pumpkin offers accident and illness coverage with the option to add wellness benefits for routine care. It covers some things other companies exclude, like behavioral issues, tooth extractions, and prescription food for covered conditions.
Pumpkin has a 4.5-star rating (out of 5) on Trustpilot.
ASPCA
Pros
10% discount for each additional pet
Covers alternative therapies like acupuncture
Includes coverage for hereditary and congenital issues
Cons
Won’t cover pre-existing conditions
No coverage for prescription food
Must call to get a quote for unlimited coverage
ASPCA Pet Health Insurance offers customizable plans that cover accidents, hereditary and congenital issues, other illnesses, and even some preventive care. You can choose your deductible, a reimbursement rate from 70% to 80%, coverage limits to fit your budget, and add-ons like preventive care.
ASPCA insurance also offers a 10% discount per pet for each additional pet.
Lemonade
Pros
Premiums start as low as $10 per month
Discount available if you bundle pet and home insurance
File claims through Lemonade’s mobile app
Cons
Behavioral treatment only covered with an add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade offers some of the lowest premiums of any pet insurance company, according to our data. It also offers a good range of plan types with varying coverage, including add-ons for preventive and wellness care. Reimbursement options range from 70% to 90%, and annual coverage limits can be as high as $100,000.
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Fetch Pet Insurance FAQs
Pet insurance is important, so it’s a good idea to learn as much as you can about any insurer you’re considering. Here are answers to some remaining questions you might still have about Fetch.
Does Fetch pet insurance have age restrictions?
Fetch covers dogs and cats starting at 6 weeks old, with no upper age limit.
Does Fetch pet insurance have waiting periods?
Yes. Like many pet insurance companies, Fetch has waiting periods. New policies have a 15-day waiting period for accidents and illnesses, a six-month wait for hip and knee issues,[4] and a 12-month waiting period for curable pre-existing conditions.
Do you have to visit a vet before you enroll in a Fetch policy?
Yes. You’ll need proof that a licensed veterinarian examined your pet within the past 12 months before you enrolled, or within 30 days after your policy begins. Without records from a recent checkup, Fetch says it might not be able to process your claim.[5]
How long does Fetch take to reimburse a claim?
Fetch usually processes claims within 15 days, according to its website. If you choose direct deposit, you could get reimbursed in as little as two days after Fetch approves your claim.
What states does Fetch offer pet insurance in?
Fetch offers pet insurance coverage in all 50 U.S. states and across Canada.
Disclaimer
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Sources
- Fetch Pet Insurance. "Dog insurance, explained."
- Fletch Pet Insurance. "Sample Policy."
- Fetch Pet Insurance. "How to submit a Fetch Pet Insurance claim."
- Fetch Pet Insurance. "What is a waiting period for pet insurance?."
- Fetch Pet Insurance. "How often should you take your pet to the vet?."
