Fetch Pet Insurance Reviews

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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.

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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    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 ServiceCoverageStaff

      Reviewed March 27, 2026

      I hadn't had a dog in 30 years, then I got blessed with our boy, Simba. I hear all these horror stories about dogs getting injured and paying $5,000, $6,000 for surgery. I don't have that kind of money if anything ever happened so I shopped around and I kept coming back that Fetch was the best of them. Enrolling with Fetch was real easy. I'm not really computer savvy and I usually have to have my 12 year old niece with me to help me through things, but I did it all on my own. I was so proud.

      Communicating with Fetch has been very easy as well. A few months ago, my financial situation changed, and I had to lower my coverage. I called them, and there was no pressure. They changed it for me, and I was good to go. I already have told friends about Fetch. I told them for the amount of coverage they get compared to the dollar value, it is way better than the other ones that I was researching. I was looking into Pumpkin but and it didn't cover 40% of the stuff that's covered through Fetch.

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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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      CoveragePricePunctuality & SpeedRefunds & PayoutsStaff

      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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      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.

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      CoveragePriceMaintenanceStaffRates

      Reviewed April 15, 2026

      I liked the prices and all the free benefits I get along with Fetch. I was advised that it would be real good and their prices were very reasonable. I love Fetch to death. My daughter-in-law just got a Maine Coon and I told her she needed to get Fetch. They let you get certain things free. They also send you stuff to try out. I pay around $40 a month, but that includes my Cavapoo's shots. So, you can't go wrong there. He is a high-maintenance dog and he only gets only so tall. I know short little dogs have a lot of health problems. So, I keep insurance on him just to keep him all cared for. If I had to pay $100 a month, I would for him, because he's worth it.

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      CoverageTechOnline & AppRefunds & PayoutsBilling

      Reviewed April 11, 2026

      I saw Fetch Pet Insurance online and I liked the reviews, which was why I went with them. The enrollment process was easy and I’ve had the policy for my dog for almost a year. I had options and got the best that was suited for us. The refund that you get when you do different services was one of the options that I chose. To file a claim, you submit your receipts on their website, such as for shots or when you get your pet spayed or neutered. Once you submit your bill, you have to enter all information and they may have questions. Then, they reach out to the vendor. If you’re going to have a pet, having pet insurance is extremely valuable.

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      CoveragePriceStaff

      Reviewed April 11, 2026

      I've had Fetch since it was originally Pet Plan. They were great...Until they weren't. They increased my deductible and decreased the amount of my coverage over the past few years. I'm a veterinarian and happily cover most issues without submitting anything but being a believer in having pet insurance. I keep it for the 'big things' including specialist visits. At this point, I'm paying far more than I'll ever see of benefit. I'd be better off saving the money for a rainy day instead of paying them. I'll be switching companies and I will not be recommending them to my clients.

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      CoveragePriceStaffRates

      Reviewed March 30, 2026

      I've had dogs for many years, and I know what it's like when you have one that gets really sick and you're faced with that tough decision. We chose not to be in that position and when I went online to look for a pet insurance, Fetch had some pretty good reviews. We went with them and have had them for at least four years now. We've had to use it once, and it was when our dog ended up in intensive care for a week. I didn't have any issues with their coverage. They're aggressive with their pricing, but they're fair.

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      Fetch Pet Insurance Company Information

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