Fetch Pet Insurance Reviews

4,925,610reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.
+1 more
Author picture
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.

Visit www.fetchpet.com
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

Filter by Rating

  • (132)
  • (7)
  • (9)
  • (10)
  • (102)

Popular Mentions

    How do I know I can trust these reviews about Fetch Pet Insurance?
    • 4,925,610 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.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

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

    2 featured reviews
    How do I know I can trust these reviews about Fetch Pet Insurance?
    • 4,925,610 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 - 6
    Verified purchase
    CoveragePriceRefunds & PayoutsStaffBillingValue

    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.

    Thanks for your vote!

    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
      Coverage

      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.

      Thanks for your vote!
      Verified purchase
      CoveragePriceOnline & AppRefunds & PayoutsStaff

      Reviewed May 4, 2026

      Years ago, I made a decision and went with a pet insurance company that's now Fetch, and I got what I wanted. I've never had any problems. I'm ancient, so computers and I don't get along so well, but it's easy to get in their website and get my information. There's also always somebody to talk to or text, however one would wish. I'm so thrilled with the service. We had an experience where my dog needed a surgery. The total charge was $10,000, and they paid $9,000. I recommend this insurance to my neighbors. I walk my golden retriever, so everybody loves him and I get to talk to them. “Hey, do you have pet insurance on yours? You ought to do it. They take care of you.” I tell my neighbors to consider it and I tell them who Fetch is. They give me value for the money and it’s comfortable, so I like it.

      Thanks for your vote!
      Verified purchase
      CoveragePriceStaff

      Reviewed April 30, 2026

      I would use Fetch for anyone with a pet. If your pet has an injury or something that requires expensive veterinary care, it's very important. I purchased the policy, and the company that I purchased a policy with got sold to Fetch. They've done everything they said they would. I had a dog that needed surgery for a torn ACL or tendon, and they covered the 80% of what the policy said would be covered.

      Thanks for your vote!
      Profile pic of the author.
      CoverageSales & MarketingPriceRefunds & PayoutsBillingHonesty & Transparency

      Reviewed July 6, 2026

      This is the most dishonest organization I’ve ever dealt with in my entire life. They lied on the front end about what they provide, and what they don’t provide. I bought the entire package including their wellness program, which is a huge scam. When I went to cancel, the lady offered me a $25 coupon for their pharmacy if I stayed. Keep in mind I was there for a year and I went to get payment for my dog spay and they only pay $250. But don’t forget the deductible which eats up everything and don’t forget that they will not pay for anything else.

      This is the classic scam insurance company that gets you to pay all these premiums and then when it comes time to get what you need, they don’t pay you and they say go tell it to the state insurance board and see what happens go get a lawyer and sue us. These are dishonest, horrible people and I bought the entire package and had it for almost a year and it did nothing when I needed it for anything. This is my experience.

      Thanks for your vote!
      Profile pic of the author.
      Verified purchase
      CoveragePriceBilling

      Reviewed June 24, 2026

      Be prepared to pay your deductible twice every time you file a claim! Even if your pup goes to the emergency room doctor twice in one day, 500 dollar each time equals 1k dollars and they say it's because you renewed your policy last month but I have my policy on automatic payment so it won't lapse! Had the policy since Marchish 2025 never used until April this year and all of a sudden I renewed my policy! Makes no sense, why would this company take 500 for each claim! 70 payback is completely false and I'm done! Please send me to whomever has the class action lawsuit because this has to be theft by insurance! Double dipping thieves!

      Thanks for your vote!
      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).

      Thanks for your vote!
      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.

      Thanks for your vote!
      Verified purchase
      CoveragePriceBilling

      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.

      Thanks for your vote!
      Verified purchase
      CoveragePriceRefunds & PayoutsBilling

      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.

      Thanks for your vote!
      Loading more reviews...

      Fetch Pet Insurance Company Information

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