Fetch by The Dodo
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Fetch by The Dodo

 3.9/5 (83 ratings)
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Fetch by The Dodo
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Written by Lorraine Roberte
Edited by Jon Bortin

About Fetch by The Dodo

Fetch by The Dodo is a pet insurance 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.

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Pros

  • 15-day waiting period
  • Reimbursement by direct deposit
  • Discount opportunities

Cons

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

Bottom Line

Fetch by The Dodo 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 by The Dodo?

Fetch by The Dodo 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 via direct deposit in as little as two days. Fetch is based in New York City and covers over 280,000 pets in North America, according to its site.

How does Fetch by The Dodo work?

Getting pet insurance with Fetch by The Dodo 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 by The Dodo 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 prices

Fetch by The Dodo 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 by The Dodo also offers several discounts. Once you’re a Fetch member, you can save by being claim-free.

Fetch FAQ

Does Fetch by pet insurance coverage start immediately?
No, Fetch by The Dodo 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 by The Dodo 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.

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 24, 2022

When I got my new job a couple of months ago, they offered pet insurance. I had never taken advantage of this insurance before but I have a four-year-old Yorkie Yorkie and I thought it would be a good idea. Shortly after I got the insurance, I started having concerns with my dog. I took her to the vet and we learned that she had stage 2 kidney failure. It was not only devastating emotionally, but the vet bills were really expensive!! With great anticipation, I submitted my claims for the amount that I had paid and I was so surprised when they approved my claim and paid me immediately. I WOULD DEFINITELY RECOMMEND THIS COMPANY!!!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 18, 2022

    For everyone who thinks pet insurance isn't worth the cost I offer my experience. I have four cats (feral rescues) and for many years I thought the same - small claims not adding up to the premiums. But a few months ago our beloved Patience (mother of our other cats) had a second saddle thrombosis - a blood clot that often proves fatal and has a low post survival life expectancy. Look it up! She recovered from the first one but this one was worse. Over $5K in vet bills and treatment ongoing. Our girl has survived and doing much better, but my husband is disabled so we are chronically short of money. The 80% reimbursement from Fetch was so incredibly helpful, and Fetch also pays 80% of the expensive meds she will be on for life. They pay fast too. You never think this will happen to your pet, especially when young and healthy, but when catastrophic things happen. It's well worth having the coverage. Thanks Fetch.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Aug. 23, 2022

    My 2-year-old Shiba Inu is very healthy but suddenly got Lyme positive and has joint issues even after we gave him monthly ** treatment. Luckily we have Fetch covered the exam and blood test and all the medication treatment, it's a big release for us. They asked for medical reports, invoices, and historical reports and in addition, they asked for Lyme prevention purchase proof. The app is very user-friendly and payment is fast.

    The only problem is their online customer service, some of them do not understand their policy. On one invoice, we have some prescription dog food not covered by insurance, and they didn't pay it back to us. But when some of the prescription dog food is returned, the credit is on another invoice, when claiming that invoice. they didn't deduct that part and short pay us. Online customer service just tells me they pay 80% invoice amount, and won't return my credit back to me. And he's very rude and impatience. I wrote an email to the claim department and they were quick response and processed my request in 72 hours. Overall, I am happy with Fetch and also referred 3 friends with Shiba to join Fetch.

    Fetch by The Dodo response

    Lan Lan, we appreciate you taking the time to review us! We're so glad our claim department was able to help. Thank you for sharing your feedback!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 29, 2022

    Fetch has been great! My young cattle dog started limping after jumping to catch a frisbee. He went to the vet 3 times, then we went to an awesome rehab vet for a thorough evaluation. They recommended a CT scan. The thought of paying all of these bills on my own was overwhelming. Each time I submitted a bill Fetch was efficient and fair. Knowing my boy could get the care he needs is priceless. I ended up opting for physical therapy instead of the CT scan because he was improving. But it's a great feeling knowing he could get the CT scan if he needed it. Both of my dogs have been covered by Fetch starting on the day I got them. If you wait until something happens it will be too late. A Happy Customer.

    Fetch by The Dodo response

    Debbie, we're so glad we could be there when you needed us the most. We appreciate you taking the time to share your review. Thank you for being a Fetch pet parent!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: July 24, 2022

    Our dog, which we've had since he was a 9 week old puppy, had been living an ordinary and healthful life for over 8 years. We signed up with Fetch as we put his new collar on for the first time. He very recently and suddenly began to exhibit signs of vision loss, and as we sought diagnoses from our vet and an emergency animal care facility, the devastating news that he had SARDS (Sudden Acquired Retinal Degeneration Syndrome) was given to us. Our spirited and healthy dog was suddenly and irreversibly blind. We had never needed to submit claims to Fetch before, so when I found myself saddled with hundreds of dollars of veterinary bills I worried that the process would be daunting and contentious (to prove my dog's legitimate ailment, doctor visits to identify the issue and the diagnosis).

    Thankfully Fetch's claim & review process is very straightforward, and reimbursement payments were issued in a timely fashion. I highly recommend anyone with a pet to acquire insurance. It's a small monthly price to pay for peace of mind in the event that an unforeseen issue comes up for your beloved member of the family.

    Fetch by The Dodo response

    Noel, thank you for taking the time to share your review!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 18, 2022

    When my dog Lucas needed emergency surgery to remove a foreign object he’d swallowed, I was really glad to have coverage with Fetch. It was great to know that we could focus on getting Lucas the care he needed, rather than worry too much about the cost. Fetch processed our claim and reimbursed us very rapidly. They make it quick and easy, for sure.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 17, 2022

    My 10 month old puppy was very sick and couldn’t keep her food down. I took her to the Vet and extensive tests were taken. The bill was $1000. After I submitted the bill to Fetch I was given a refund promptly for half of the bill I had paid. Thank you Fetch. I highly recommend Fetch Insurance.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 17, 2022

    The online portal is easy to use and intuitive and the reimbursements come in a timely fashion. It's also one of the most affordable plans I could find, so it's a win-win. I highly recommend insuring your pets through FETCH.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 17, 2022

    Had to take my 14 month old Yorkie to the vet for vomiting and was told she would have to go to an Emergency Specialist Hospital immediately. So I left the vet with an $800 bill and got to the hospital and after an $3500 examination and ultrasound was quoted another $7k for the operation. Contacted Fetch Rep and was told as long as it wasn’t pre existing everything would be covered. After 5 days in intensive care she pulled through and recovered. I sent in all invoices and was reimbursed 90% in 4 days as per my policy. Couldn’t be happier with Fetch. They are the best!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 17, 2022

    We purchased this plan for our dog after having multiple medical issues rise with our previous dogs. Luckily nothing major has happened but even just dental issues have helped the plan pay for itself and there’s peace of mind knowing if anything major happens, Fetch will be there.

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    Fetch by The Dodo Company Information

    Company Name:
    Fetch Pet Insurance
    Website:
    www.fetchpet.com