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Fetch Pet Insurance Reviews

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By: Lorraine Roberte
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Edited by: Jon Bortin

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.

Still have questions?

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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    How do I know I can trust these reviews about Fetch Pet Insurance?
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    Review featured by Fetch Pet Insurance
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    CoverageTechPunctuality & SpeedRefunds & PayoutsBilling

    Reviewed April 7, 2026

    I had MetLife for the dogs before but they were very hard to work with. I went to the vet and they gave me a list of other providers. Fetch was on there along with Lemonade and three others. I looked at it and with what I needed with the type of dog that I have, Fetch seemed to match up perfectly. I have a Beabull, which is a Beagle-Bulldog, and he's gonna have more problems than other dogs. But he's mixed, so he's not half as bad as a regular Bulldog. I've had Bulldogs that have breathing problems. This one doesn't. He doesn't have the wrinkles as well.

    My experience with Fetch has been very good. I've had to put in three different claims, and it was perfect. They let me know when they were going to get paid. They were immunizations that I had to put in for that they would cover and they did. They paid 80% of my bill all three times, and I didn't have a problem. They paid it through direct deposit and I didn't have to wait for a check. I have told other people that I'm very happy with Fetch, that it was better than MetLife. My neighbor is thinking about getting a puppy, and she said she's going to try and reach out.

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    CoverageSales & MarketingPriceOnline & AppStaffRates

    Reviewed March 25, 2026

    It was a great experience with Fetch. I submitted everything through the app and it was very seamless. I just uploaded documents then submitted the claim. I didn't have a lot of claims until the very end, when she was very sick. I appreciated having Fetch and the financial support that was offered. That was a very financially strenuous time, and I didn't have to feel like it was my pet's health or my life that I had to decide on. I felt like I could make these tough decisions and get care for her because I had Fetch. They offered peace of mind and the price was affordable and reasonable enough as a first time pet owner understanding the value that having insurance would provide should something happen. I was offered a discount at enrollment if I chose the annual option, so I chose to do that to save a little bit of money. Unfortunately, I had to cancel because my pet got sick and we had to put her down.

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    Reviewed May 28, 2026

    When we got Lola, it was required that she have health insurance, and they said Fetch is the one that they used. If she was insured, they would only do a specific health guarantee on her because she's a toy Pomeranian. It's actually some kind of a lifesaver, so we just kept it. So far, it's been great. The first time that we used it, she wound up very, very dehydrated, and we weren't sure how that happened. So, we took her into urgent care, and she wound up having to stay overnight. We were reimbursed for so much. It was like 85% of her bill. So, that came in really handy.

    The second time that we used Fetch, Lola needed X-rays. She had a hip issue because they're very little. We took her for X-rays to get her medication and to be seen twice for that. It was expensive, but we were reimbursed for that, too. The reimbursement process didn't take long at all. We could do everything mobilely and upload everything. The whole process only took two weeks. I would recommend Fetch to anyone. We told my parents about it because it's so good.

    It's worth it because when you get a new animal, as they age, or accidents can happen, you can either pay out of pocket and not be reimbursed, or you can pay out of pocket and be reimbursed. The return of investment for that has been excellent. So, I've told everyone that if you get a pet, make sure you get pet insurance on your pet, specifically Fetch, because it's been the best. Our insurance for the car or house will also cover pets in certain situations, or you can get a separate pet policy, but I looked at those, and they were really not worth it. So far, Fetch has been the best value for the money.

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      Customer ServiceCoverageSales & MarketingPriceOnline & AppBillingEase of Use

      Reviewed March 29, 2026

      I was very excited to have a pet, and since Puppy Source offered Fetch Pet Insurance, I read up on what they said and set everything up online. It was a simple task to do. If I have to file a claim, I use the app on my phone, and it’s just a fingertip away. It’s very easy to use. I just screenshot the bill and upload it, answer maybe three questions at most, and that’s it. They usually get back within 24 hours, letting me know it’s been processed or completed, so it doesn’t take long, which is a big plus. But when it came down to my pet’s visit to the clinic, Fetch covered some but not all, and there is a deductible that has to be met according to the plan. My pet is a Maltipoo with allergies, and Fetch doesn’t cover shots for allergies.

      If I had read more information about Fetch before joining for a year, I would have done more comparison with other pet insurance companies. I’ve seen other pet insurance with lower deductibles and even plans around $9.99 with better coverage for the first year. I’m not going to knock Fetch down on that, but I would look for companies that cover routine shots and offer a cheaper deductible.

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      Customer ServiceCoverageTechPunctuality & SpeedOnline & AppRefunds & PayoutsStaff

      Reviewed March 28, 2026

      We adopted our dog from North Shore Animal League. They gave us two names of insurance companies that they use, and they said the best one they always use is Fetch. They explained everything and how much it would help with certain things, especially when he was a puppy. Even now that he's a year older, Fetch helps. They have been amazing. They've reimbursed me every time and answered any questions I had. They're right on top of it. When I call, they have very good customer service. Enrolling with them was very simple too. They were very nice and they walked us through it. It was the easiest thing I ever had to do when it came to insurance. Their app is phenomenal as well. You go on that app for anything you need, and you if can't find it there, you call the number they give you and you get your answer way before the end of the day.

      I am one of the most satisfied customers with Fetch Insurance. My experience with them have been top-notch. The smartest thing to do is have Fetch insurance. I have asked other people what they have, and when I tell them how fast we get reimbursed or the deals or incentives Fetch emails us, they complain about their insurance company. A lot of other companies aren't as good. They said it takes them forever and they don't reimburse them for almost anything half the time.

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      Customer ServiceCoveragePriceOnline & AppRefunds & PayoutsStaff

      Reviewed March 26, 2026

      We got a puppy August of last year. We didn't even think about pet insurance, but in talking with my neighbors who got puppies also, they all have Fetch. One of them did the research of all the pet insurances because they had a major issue with their dog that they had to take care of. It was a surgery. He said he submitted the claim, and there were no questions. Fetch paid it. We looked into Fetch and signed up as well.

      Fetch gives you all kinds of other information about your dog, its breed, and things to look out for in that breed. They also have a virtual vet that you can ask questions to, and they will respond. I asked a question about our dog liking to eat grass and they said that’s common. They said that if your dog is not throwing up or has diarrhea, they eat grass for that reason. Some do it because they like grass. Some do it because it has nutrients in it that they may be missing. But they also tell you the things to watch out for if it's a negative thing. They also give you information about training and different things that you can do with your dog, like how you can give them treats, or if you want to give them something other than dog food. They tell you things that are okay to feed your dog.

      So far, so good. When we had our first visit with our vet with our pet's well care, they said Fetch is a good one. We've had two claims since, and they paid them. He had an eye issue and an intestinal issue that he needed medications for. Fetch paid them both. We paid out of pocket first and we had 90 days to submit our claim. I then submitted the claim which was really easy because you do everything online. Then I had it set up that my reimbursement would go back to my bank account. I got an $80 and a $100 reimbursement.

      Fetch doesn't cover the full cost, but it's better than having to pay completely. They've handled our claims well within 30 days. I didn't even realize it until I was checking my bank account that I had two deposits from Fetch. I would tell others to check them out. You can check them out before you sign up for the insurance ‘cause a lot of their stuff is on the website to let you know what they do, what it's about and what they offer.

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      Reviewed March 24, 2026

      I got a pet, and I never had a pet before. My friend told me about her insurance which was Fetch, that it was really good and affordable. I looked up the reviews online, and I liked it. The first week that I had my pet, I had to pay out-of-pocket for his checkup, vaccines, and a lot of exams that he had to make sure that he was a healthy puppy. They also told me that he needed a second round of vaccines in a couple of months. Paying out-of-pocket was gonna be a lot and painful every time I come or if he gets sick. I thought I'd rather pay the insurance so I don't pay 100% out of pocket.

      Signing up with Fetch was so easy. I did the questionnaire online and it took me about 10 minutes. They asked for medical records that I had to collect for on my pet. It was not at the enrollment time, but eventually, I had to add them up so the enrollment was easy. I am so thankful that I got Fetch because a couple months later, when my pet had an injury, he had a surgery. That surgery was very expensive, so if I would have not had insurance, I would have had to pay 4,000 out-of-pocket. Part of my policy is preventative care as well. I was so happy that my friend told me about Fetch and that I went to go get it. I understand that sometimes my claims get denied. I understand the policies that they have and it has been positive so far. They are fast responders, so I have liked the service, and I will continue to renew for next year. I recommended my sister to get Fetch as well.

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      CoverageSales & MarketingPricePunctuality & Speed

      Reviewed June 2, 2026

      I've never left a bad review in my life but I would give no stars if I could. False advertising! My pets pre existing conditions were not covered even though the website clearly states otherwise. My cats are rescues and their upper respiratory infection should have been covered since that is seen as an exception. This was not the case after reassessment and all claims were denied. This is unacceptable.

      "Over 50% of adopted pets suffer from one or more health issues just two days after leaving the shelter. That's why Fetch gives newly adopted pets coverage for the most common pre-existing conditions. It's included in your policy - no waiting period, no extra cost, no problem. You won't find this coverage anywhere else." "7 common pre-existing conditions" includes Upper Respiratory (Fetch website).

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      Reviewed May 19, 2026

      I saw Fetch Pet Insurance online. At the time, it was the most decent insurance that was available that I could afford. I've been a policyholder for six years. Enrolling was easy. It was very to the point. It wasn't too intrusive, but it was easy to fill out, and it didn’t take a lot of time. There are a of couple plans out there that are better, but I'm gonna stay where I am.

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      Customer ServiceCoverageSales & MarketingPriceRates

      Reviewed May 18, 2026

      I’ve had coverage since 2019 and my dog was a puppy. Just shopped around recently and found comparable coverage for 1/2 the price. Upon calling they NOW want to offer me a discount??? DO NOT USE THESE PEOPLE.. They are charging me to cancel my policy. My fault for not remembering the small print from back in 2019.

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      Reviewed May 14, 2026

      I have one dog and veterinary bills are very high, so it's best to mitigate the risk. I signed up with Fetch Pet Insurance and I have them for six months now. I made a claim once and the process was a little bit confusing on my part. I really would have preferred that it’d be streamlined. Also, I had to meet the deductible, so I was not happy with that.

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      Reviewed May 13, 2026

      I got a Maltese through a company that specializes in breeding dogs, and in order to finance the dog, I had to carry pet insurance for a full year, which is why I went with Fetch. I only had to use them one time and they reimburse your money in a timely manner. You just submit your pet receipt to place a claim online, and they’ll submit the amount back to you in a couple of days. If you have a dog of a specific breed, as I do, the vet bills are expensive, so Fetch will save you some money.

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      Fetch Pet Insurance Company Information

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