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Fetch Pet Insurance

Fetch Pet Insurance Reviews

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Written by Lorraine Roberte
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Edited by Jon Bortin
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About Fetch Pet Insurance

Fetch Pet Insurance is a company that offers comprehensive coverage for dogs and cats. With a policy from Fetch, you can visit any licensed vet in the U.S. or Canada and get reimbursed for up to 90% of covered costs after you meet a deductible. You can make claims using the app or website and be paid in as little as two days by direct deposit. Fetch covers over 450,000 pets, according to its website.

Pros
  • Up to 15-day waiting period for illnesses
  • Get reimbursed up to 90%
  • Includes $1,000 in online vet visits
Cons
  • Coverage only for cats and dogs

What is Fetch Pet Insurance?

Fetch Pet Insurance is a pet insurance company that covers visits to any licensed vet in the U.S. or Canada, including specialists and emergency hospitals. The company offers one comprehensive plan for your dog and cat, giving you choices for your reimbursement rate, deductible and annual limit.

Once you visit the vet and pay for the visit, you can submit a claim using Fetch’s website or app and get reimbursed up to 90% via direct deposit in as little as two days. Fetch is based in New York City and covers over 450,000 pets (and counting).

How does Fetch Pet Insurance work?

Getting pet insurance with Fetch Pet Insurance is a simple process. You first request a quote online or over the phone, giving information about your pet’s age and breed and where you live. You’re then given a wide variety of annual coverage and deductible choices. Fetch gives customers additional flexibility by offering a one-on-one call to its customer care team to provide the best options, including unlimited annual coverage.

When you get Fetch pet insurance, you’re eligible for coverage at any licensed vet in the U.S. or Canada after a waiting period of up to 15 days (other waiting periods may apply). To submit a claim, you need your pet’s medical records and a paid itemized invoice from the vet. You can use Fetch’s app or the portal on its website to file a claim. Within 24 hours your claim is assigned to an agent. Fetch either approves it and starts processing payment or denies it and lets you know why. You can cancel at any time.

Fetch Pet Insurance packages

Fetch Pet Insurance offers one coverage plan for cats and dogs of any age. The coverage includes:

  • Prescription medications and supplements
  • Emergency vet visits
  • Virtual, in-home and office visits
  • Hospital stays
  • Physical therapy
  • Allergies
  • Surgeries
  • X-rays and CT scans
  • Ultrasounds
  • Blood tests
  • Breed-specific issues, including hip dysplasia
  • Specialists
  • Canine infectious respiratory disease
  • Sick-visit exam fees
  • Laboratory tests
  • Vomiting and diarrhea
  • Hereditary and congenital issues
  • Swallowed objects and toxins
  • Every tooth covered
  • Gum disease
  • Diabetes and insulin
  • Cancer treatment
  • Acupuncture and chiropractic care
  • Treatment for aggression and separation anxiety

Fetch Pet Insurance doesn’t cover:

  • Cosmetic and elective procedures

Fetch Pet Insurance prices

Fetch Pet Insurance costs an average of $35 per month for dogs and $25 per month for cats. The cost of your Fetch pet insurance depends on whether you have a dog or cat, its breed, its age and where you live. Your deductible, reimbursement percentage, maximum annual payout and whether you pay monthly, quarterly or annually also affect the premium.

We requested an insurance price for a 3-year-old, medium-size mixed-breed dog in Austin, Texas. The most popular plan — with a $300 deductible, 80% reimbursement rate and $15,000 maximum payout — was $37.78 per month.

At the time of publishing, Fetch Pet Insurance also offers several discounts. Once you’re a Fetch member, you can save by being claim-free.

Fetch Pet Insurance FAQ

Does Fetch Pet Insurance coverage start immediately?

No, Fetch Pet Insurance coverage doesn’t start immediately. The waiting period in most states is up to 15 days for accidents and injuries. There is also a six-month waiting period for hip and knee issues and a 12-month curable exclusionary period.

Does Fetch Pet Insurance cover vaccinations?

Yes, Fetch has an optional wellness plan that gives you three different tiers to choose from which include vaccine coverage.

Does Fetch Pet Insurance offer discounts?

Yes, Fetch offers a discount of up to 10% to those who adopt pets from a shelter, Walmart shoppers, AARP members, active and retired service members, owners of therapy and support pets and vets and employees of veterinary clinics. You can also save by paying quarterly or annually instead of monthly.

Is Fetch Pet Insurance worth the cost?

Having Fetch Pet Insurance could help you save on unexpected veterinary care expenses. Plans average at $25 a month for cats and $35 a month for dogs, and you have to meet an annual deductible of at least $250 before coverage kicks in. As with other types of insurance, there’s always a chance you won’t use it. Consider the likelihood that your pet will need nonroutine care and try to calculate the potential cost, then compare that figure with the total cost of pet insurance.

Is Fetch legit?

Fetch Pet Insurance is a legitimate pet insurance company that covers thousands of dogs and cats in North America. We like that its plans are comprehensive and its waiting period isn’t long. It’s also easy to get a quote. We recommend gathering quotes from multiple pet insurers and comparing plans before choosing which is best for your dog or cat.

Fetch Pet Insurance Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceClaims Handling

    Reviewed March 12, 2025

    Very misleading company. After my insurance went into effect I had my dog treated for some nausea and diarrhea she had been having for a day. They denied the claim and informed me that since this was her first visit and record for them they would deny any future claims involving vomiting and diarrhea as this is apparently her baseline according to them. This after I had made multiple calls after they tried to dismiss my claim for not having a year of medical records on a dog I've had for 3 months. Their prices aren't bad but in the end I just ended up paying for both insurance and a full vet bill. Not a service I plan on renewing again.

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      Claims Handling

      Reviewed March 9, 2025

      I just got Fetch Pet Insurance last year 2024. Now they deny any claim I submit??? I went to BBB Better Business Bureau and they gave them an A+. I am so sad I did not go with one of the other pet insurances. You can tell all the good reviews were a few years back and probably submitted by their employees and they actually respond to those reviews. It is now 2025 and I will cancel ASAP. Each payment we all make each month just keeps them going, so they can hurt more pet owners. I can’t wait for word to spread and they go out of business. I wear a shirt to my dog park each morning that says, "Don’t get Fetch Pet Insurance. Ask me why." Luckily I live in a huge tourist town Las Vegas, so I can educate a ton of people. Keep spreading the news and I am going to BBB next to file a complaint.

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      Customer ServiceClaims Handling

      Reviewed March 1, 2025

      I am absolutely outraged by the way Fetch Pet Insurance is handling my claim. I filed a formal appeal over a week ago, yet I have received no response, no acknowledgment, and zero effort to resolve the issue. I have emailed every available contact, including the claims department and customer support, and all of my messages are being completely ignored.

      My veterinary bill totaled $487.37, but Fetch decided to reimburse me only $110.00—a mere fraction of what should have been covered. My policy states that eligible expenses should be reimbursed at 80% (after a 20% copay), but instead of following this structure, Fetch applied arbitrary reimbursement caps that were far below the promised percentage. They completely excluded certain charges under the excuse that they weren’t covered, even though these services were clearly part of routine and necessary veterinary care.

      Not a single dollar was applied toward my $400 deductible, meaning my coverage is practically useless until I pay even more out of pocket. It turns out that Fetch has hidden reimbursement limits on all wellness services, which they don’t clearly disclose upfront. For example, my pet’s comprehensive exam was only reimbursed at $30, vaccinations at $10 each, and lab tests at a fraction of their actual cost—despite my policy supposedly covering 80% of expenses after copay.

      Since submitting my appeal, I have received no communication whatsoever. Fetch has ignored every single email I’ve sent. This company refuses to engage with customers once they take your money and does not process appeals or respond to formal complaints. Since Fetch Pet Insurance refuses to act in good faith, I will be filing formal complaints with the State Department of Insurance, the National Association of Insurance Commissioners (NAIC), the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC).

      This company is a scam, and I strongly warn every pet owner to stay away. They gladly take your premiums but will do everything in their power to avoid paying claims. If you want real coverage that actually protects your pet, look elsewhere. Fetch Pet Insurance is nothing but a fraudulent, deceptive business that preys on trusting pet owners.

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      Claims Handling

      Reviewed Feb. 12, 2025

      My dog tore a muscle and Fetch would not cover any of it! 3 weeks of submitting vet medical records and vet bills which they said were never received! Eventually they denied my claim stating xrays and sensation was not covered and his surgery to fix torn muscle was a pretty existing condition. Beware. This is a scam company.

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      Claims HandlingRates

      Reviewed Feb. 4, 2025

      Terrible. Please avoid this company. They raised my premium $110 per quarter and lowered the reimbursement rate because I made a claim last year. Very hard to work with, completely uncaring. I have been with them 7 years, my dog is 8, after filing a claim my policy was raised by 25% while reimbursement was lowered. I love my dog but I am retired and can't afford their Usury rates. Trying to push me off their coverage when I need them most.

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      Claims Handling

      Reviewed Jan. 22, 2025

      Very disappointed with my Fetch experience. I've always had pet insurance and I usually go with Petline but thought I would try something new. What a mistake. I have a mixed terrier breed and am paying over $200 per month now in fees. Randomly last fall, Petline said the pet care in my postal code warranted an increase that over doubled the cost monthly. Now that my dog is 10 years old, I didn't think it was a viable option to go to another provider. I've made one claim in the past 8 years (we got him as a rescue at 2 years old) and a 2nd claim recently that was denied because I was two weeks past the 90 day period. I have Petline on my big Saint Bernard and have had no issues getting claims approved. I would never use Fetch again.

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      Claims HandlingStaff

      Reviewed Jan. 13, 2025

      TERRIBLE COMPANY. This company is incompetent. They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve.

      I then used their Rx platform to order my dog's antibiotics, I paid for next day shipping. Well it's been 6 days and my pet's meds are still not here. When I asked about it, they said someone used a USPS label instead of the FedEx label they were supposed to use that I paid for. The rep said that it would be delivered today, but now it's saying tomorrow. What the heck. I HATE THIS COMPANY. I have never used such a sad excuse for a pet insurance company till Fetch. My pet is battling pneumonia and a collapsed lung and has been without his antibiotics for an ENTIRE WEEK. While the reps are competent and accommodating, the company they work for is such a scam. I am spreading this far and wide and plan to take this to social media to spread the word even further not to use this company.

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      Claims Handling

      Reviewed Jan. 8, 2025

      What a nightmare. They don't allow direct billing. They don't allow you to just submit receipts, insisting on medical records to accompany every claim. And now I learn that they have a 90 day time limit which, if you miss it, they give you nothing. This is a dishonest company, making huge profits by keeping as much of the money that is owed as they can.

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      Rates

      Reviewed Dec. 13, 2024

      I have had coverage since 2020. After moving less than 5 miles away I updated my address and my policy was "re-instated" My monthly billing went from $85 to $127. When I called to discuss this I was told that my monthly payments were actually going to be $156!! Telling me that the $127 reflected on my online account is a "technical error." Monthly rate almost doubled for moving 5 miles!

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      Customer Service

      Reviewed Dec. 11, 2024

      Absolutely a waste of money. Stay away. I had incurred approximately -$3,600 in vet bills throughout 2024. Fetch's premium cost me about -$500. Fetch reimbursed me for roughly +$500. I cancelled the service after 9 months and figured I broke even on the premiums/reimbursements. Then, 5 months after cancelling the service, they send me an email asking to repay them another -$350 due to some 'internal billing issues'. This is 100% a money grab preying on pet owners that love their pets. Love your pets, pay the vet directly, this insurance is a scam.

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      Fetch Pet Insurance Company Information

      Company Name:
      Fetch Pet Insurance
      Formerly Named:
      Fetch by The Dodo
      Website:
      www.fetchpet.com
      Fetch Pet Insurance
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