Fetch Pet Insurance

Fetch Pet Insurance Reviews

Fetch Pet Insurance Reviews
Author pictureAuthor picture
Author picture
Written by
Author picture
Edited by

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating3.9 out of 5
See all 170 reviews

About Fetch Pet Insurance Reviews

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 280,000 dogs and cats, according to its website.

Pros & Cons


  • 15-day waiting period
  • Get reimbursed up to 90%
  • Includes $1,000 in online vet visits


  • Coverage only for cats and dogs
  • No preventive care plan

Bottom Line

Fetch Pet Insurance offers pet insurance for cats and dogs of all ages. It has one comprehensive plan with options for the deductible, reimbursement percentage and annual maximum. Getting a quote online is fast and easy.

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 370,000 dogs and cats in North America, according to its site.

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 price for the most popular plan and able to adjust the maximum annual payout ($5,000, $15,000 or unlimited), annual deductible ($250, $300 or $500) and reimbursement percentage (70%, 80% or 90%).

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 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:

  • Exam fees for sick or injured pet
  • Comprehensive dental (all teeth)
  • Injuries and illnesses
  • Diagnostic tests
  • Virtual visits
  • Imaging and ultrasound
  • Surgery and rehabilitation
  • Holistic and chiropractic care
  • Cancer treatment
  • Behavioral therapy
  • Breed-specific conditions
  • Prescription medication (not food)

Fetch Pet Insurance doesn’t cover:

  • Preexisting conditions
  • Routine and preventive care (though the company may offer it soon)
  • 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 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?

No, Fetch doesn't cover vaccinations because it considers them to be part of routine care.

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. Unlike other companies, however, it doesn’t offer any add-on coverages, like for routine care. 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

Top reviews
  • Top reviews
  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Fetch Pet Insurance?
  • 4,315,041 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 5
Verified purchase
Customer ServiceClaims HandlingStaff

Reviewed Dec. 10, 2022

I am amazed with this policy & the customer service. I had gotten this (very hesitant) thinking I would never use it because my dogs were perfectly healthy.. Almost a year later my one pup was diagnosed with kidney problems. She ended up passing after a few weeks. It’s still very hard.. This company was so so helpful making sure I could get all of my information to them to make sure I got reimbursed for what I could with my policy. It did take a while to get reimbursed but I had a ton of claims. I mean I was putting in a claim like every 2 days. So I expected that.

Every single person I had spoke to on the phone was very very helpful & made me feel very special I felt like they loved my pup like their own. It made the entire process easier. I was in the thousands with my vet bills. Very nervous that I was never going to get reimbursed.. I was thinking what are the chances.. It’s “pet insurance.” One morning I woke up & had a ton of emails saying ALL of my claims were approved && the money was in my bank account that same morning. I was so happy I started crying, then immediately paid off my credit card. This is something every pet owner should have. I have been recommending it to every single person who asks about our situation with our pup. This company is AMAZING && I’m so thankful I came across you guys. Thanks you so so much for everything you all did for me & my pups. I will continue to have a policy with you guys for every pet I own.

Thanks for your vote! Report
Fetch Pet Insurance
Response from Fetch Pet Insurance

Amber, we're sorry to hear about the passing of your dog. We really appreciate you taking the time to share your review. We're so glad we could be there when you needed us the most.

Not sure how to choose?

Get buying tips about Pet Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thanks for subscribing.

    You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified purchase

    Reviewed Nov. 20, 2022

    My cat couldn’t urinate on his own and he was at the ER for 4 nights, it was totally unexpected and a huge amount of money or if I treat him, he would die. Within the same month, my dog found cancer-like lump on her ear and needed to be removed. My payments got transferred immediately once they approved, the whole process was pretty easy and straightforward. I am thankful for them, they are not playing tricks and try not to pay you. And, I honestly think everyone needs to get their pet insurance. It could be choosing between thousands of dollars or death.

    Thanks for your vote! Report
    Fetch Pet Insurance
    Response from Fetch Pet Insurance

    Siu Sin, we're so glad we could be there when you needed us the most. Thank you for taking the time to share your experience. We're grateful for your membership!

    Verified purchase

    Reviewed Oct. 29, 2022

    Our dog suddenly began having seizures this fall. After bloodwork and imaging, it was determined he had a very rare tumor on his pancreas which was tanking his blood glucose. He needed surgery and several days in the hospital. The cost was so very high. Because of our coverage with Fetch, it was a no brainer to do everything we could, and he has now made a full recovery! If not for Fetch, we would likely not have been able to do what needed to be done to save his life. I am so grateful that we didn't have to make "the hard decision."

    Thanks for your vote! Report
    Fetch Pet Insurance
    Response from Fetch Pet Insurance

    Whitney, thank you for taking the time to share your review and the experience you had with us. We're so glad we could be there when you needed us the most. We hope Archer is feeling better!

    Verified purchase
    Claims Handling

    Reviewed Oct. 24, 2022

    When looking for a pet insurance, I wanted to find one that was affordable for me, that covered just about every issue I could think of and that would be willing to pay for alternative treatments (chiropractic care, acupuncture, etc.) for when my sweet pup gets old. I wasn’t expecting to need it anytime soon, until my dog ate 4 pounds of his food and got food bloat. I was so worried I wouldn’t be able to afford treatment or that it would set me back, but I filed my claim and was paid back 80% no questions asked within 3 weeks! It makes me feel so much more confident in the care I can give my sweet Bingo when I know that most of the finances are taken care of. Thank you Fetch!

    Thanks for your vote! Report
    Fetch Pet Insurance
    Response from Fetch Pet Insurance

    Olivia, thank you for sharing your review and the experience you had with us!

    Verified purchase
    Customer ServiceClaims HandlingStaff

    Reviewed Oct. 15, 2022

    Really easy and straight forward to submit claims. I have been submitting claims to Fetch for a couple of months due to a health issue my dog had and I’m glad I could count on Fetch when I needed the most. Claims could be processed a little quicker, it is taking about 10 days to hear about the decision. And also I wish there was a quick way to call customer services on the app to answer the questions I had. I have tried to use the online channel as I didn’t find a phone number, but the chat was only with automated messages and I could not get the answers and personalized service I was looking for. Other than that it’s been great to have Fetch as my pet insurance partner.

    Thanks for your vote! Report
    Fetch Pet Insurance
    Response from Fetch Pet Insurance

    Nyara, thank you for taking the time to share your review. We appreciate your feedback so we can make improvements moving forward. We are glad to hear your overall claims experience has been easy and straightforward. You can reach us at 866.509.0163; we'd be happy to help answer any questions you may have in the future.

    profile pic of the author
    Claims Handling

    Reviewed Sept. 20, 2023

    Horrible service and coverage. Their requirements for claims and reimbursement are illogical. They denied our claims because we don't have a full medical history on a 4 month old adopted puppy. She's from a shelter. There is no medical history. Even still, they would not cover her vaccinations.

    Thanks for your vote! Report
    Claims Handling

    Reviewed Sept. 11, 2023

    Call me a curious cat as I saw so many 5-star reviews here. I'd leave zero if I could. I've been a loyal customer for over two years, faithfully paying premiums with the expectation that they would provide comprehensive coverage for my beloved cat's healthcare needs. However, my recent encounter with this company has been nothing short of frustrating and disheartening. My cat recently underwent tooth surgery. This procedure included a blood test and anesthesia administration, both of which were explicitly stated on Fetch's website to be covered under their policy for "every tooth." To my astonishment, Fetch denied my claim, citing it as "preventive care." This reasoning directly contradicts their claims of covering "every tooth" and renders their policy not only unhelpful but also inhumane in its refusal to cover necessary medical procedures.

    As a responsible pet owner, I will not compromise on my pet's health due to the limitations of Fetch's policy. The purpose of pet insurance should be to ease the financial burden of essential healthcare for our pets, and Fetch has failed miserably in this regard. I strongly advise potential customers to reconsider using it. My experience has been unpleasant, and their coverage is far from comprehensive, despite their promises. I'm now exploring alternative insurance providers that can offer the reliable and humane coverage that every pet owner should expect.

    Thanks for your vote! Report
    Customer ServiceClaims Handling

    Reviewed Sept. 2, 2023

    The Fetch Pet Insurance is an easy way to rob people in need that loves their pets. The customer service line is terrible. You can't get through with a live person. I have Fetch for 2 years now and the first time I submitted a claim because it was an emergency my claim was denied. I sent the all documents they were required and their answer was a nonsense response for the denial. It would be nice to know before I spend thousands of dollars that FETCH TRULY DOES NOT COVER ANYTHING AND THEY JUST STEAL YOUR MONEY.

    Thanks for your vote! Report
    profile pic of the author
    Claims HandlingStaff

    Reviewed July 3, 2023

    I had been a a Fetch Dodo client for many years. I paid my insurance bill for my two dogs on time every time and never made a claim. Recently, I moved from one neighborhood to another (12 miles distance). When I called to update my address, they raised my premiums over 100% even though I moved to a very safe, affluent area. In other words, I was significantly penalized for moving. Their own customer representative even agreed with me that I should terminate the policies after he informed me of the crazy price increase, and he was unable to explain why that happened. I find that to be very suspicious and indicative of disgusting corporate greed... especially given the fact that I have been a long time customer that has only given them money and never cost them a dime. "Untrustworthy" is the word that now comes to mind when I hear the name of this company. If you become a customer, don't move because it's going to cost you BIG time!

    Thanks for your vote! Report
    Customer ServiceStaff

    Reviewed June 26, 2023

    I have had nothing but problems with this company. Prices go up every year. It has gone up 4x the amount and I have a healthy 4 year old dog. Finally decided to cancel and I feel SO relieved. This is after finding an unauthorized charge on my credit card. Fetch claims this was a separate tax charge. Never in my life has any company charged separately for taxes so I believe this is a lie. My main issues are lack of responsiveness and slow communication. I've spent hours waiting for responses from agents that don't seem to know what's going on.

    Thanks for your vote! Report
    Loading more reviews...

    Fetch Pet Insurance Company Information

    Company Name:
    Fetch Pet Insurance
    Formerly Named:
    Fetch by The Dodo