Fetch Pet Insurance Reviews – Does It Work?

Fetch is a pet insurance company available in the United States and Canada.

Offering the most comprehensive pet insurance and health advice, Fetch emphasizes transparent pricing, wide-ranging coverage, and the ability to cancel any time with no fees.

Keep reading to discover everything you need to know about Fetch and whether it lives up to the hype.


What is Fetch?

Fetch is pet health insurance for cats and dogs.

By subscribing to Fetch today, you can get treatment for injuries, illnesses, exam fees, diagnostic tests, hospitalization, physical therapy, and boarding fees, among other costs.

While other pet health insurance plans cover a narrow range of items – like emergency expenses – Fetch covers a comprehensive list of qualifying costs. The company aims to provide the best overall care for your pet by covering things others do not.

Other perks of Fetch include breed-specific coverage, the ability to use any veterinarian in the United States or Canada, and the ability to cancel any time with no fees. Fetch is also the pet health insurance company trusted by no-kill shelters in the United States and Canada.

Fetch is a subsidiary of The Dodo, an American media brand focused on telling animal stories. Launched in 2014, The Dodo recently branched into pet health insurance by opening Fetch.


What Does Fetch Cover?

Fetch covers a comprehensive list of pet expenses, including all of the following:

  • Treatment for injuries
  • Treatment for illnesses
  • Sick-visit exam fees
  • Every tooth and gum
  • Breed-specific issues
  • Alternative and holistic car
  • Boarding fees
  • Supplements
  • Behavioral therapy
  • Physical therapy
  • Hospitalization
  • Diagnostic tests
  • Specialists
  • Emergency vet visits

Fetch covers things other providers do not cover (or charge extra for). Most pet insurance companies cover emergency visits, certain diagnostic tests, and injury treatment, but few cover supplements, physical therapy, boarding fees, or tooth and gum issues.

Fetch Features & Benefits

Other Fetch features and benefits include:

Complete Sick Visits Covered: Fetch covers your pet’s exam fees, saving you around $50 to $250 per sick visit.

Every Tooth Covered: Fetch covers injury and disease in every adult tooth.

Coverage for Breed-Specific Issues: Fetch covers breed-specific issues, including hereditary conditions linked to the breed. Some pet health insurance companies refuse to cover breed-specific health concerns.

Competitive Pricing: Fetch charges around $35 per month, on average, for dogs and around $25 per month, on average, for cats. Pricing varies based on your pet’s age and breed. It also varies based on your location.

Fetch Forward Technology: Fetch has a unique feature called Fetch Forward technology, which lets you predict the estimated cost of pet healthcare expenses based on your pet’s breed, age, and location. The patent-pending technology is exclusively available to Fetch policyholders. It uses 150 million data points and 15 years of clinical health data to provide you with tailored insights and customized recommendations to improve the health and happiness of your pet.

No Fees or Add-Ons: You pay your monthly premiums to Fetch, and there are no other fees or add-ons.

Cancel Any Time: You can cancel your Fetch insurance policy at any time after signing up.

Trusted by No-Kill Shelters in the United States and Canada: Many of the biggest no-kill shelters in the United States and Canada use Fetch for pet health insurance. The company is trusted by the Ontario SPCA, the Humane Society of Tampa Bay, the Jacksonville Humane City, and North Shore Animal League America, among other organizations.

The Dig Pet Parenting Advice: Fetch has a platform called The Dig, where they share pet care advice. Fetch policyholders can access round-the-clock pet parenting advice, helping you determine the best treatment for your dog.

Strong Trustpilot Rating & Mobile App Store Ratings: Fetch has a 4.5-star rating out of 5 on Trustpilot, indicating most customers are happy with how Fetch covered their claims. Insurance companies generally tend to have poor reviews online, as few people review their insurance company unless they’ve had trouble with a claim. Fetch also has surprisingly strong app store ratings for its iOS and Android mobile apps.


How Fetch Works

Fetch works in a straightforward way. Like other pet health insurance companies, you submit a claim for qualifying expenses, then receive payment for that claim from Fetch if it was legitimate.

Here’s how Fetch works:

Step 1) Use Any Veterinarian in the United States or Canada: Fetch gives you the flexibility to keep your current vet or use a new vet. The company accepts claims from any veterinarian in the United States or Canada. They also cover specialists and emergency clinics.

Step 2) Submit a Claim in Minutes: Take a picture of the documents you received from your vet, answer a few questions about the treatment your pet received, and Fetch will handle the rest.

Step 3) Get Compensated Fast: After Fetch approves your claim, Fetch pays back up to 90% of your unexpected vet bills. You’ll receive the money in as little as two days by direct deposit.

What Does Fetch Not Cover?

Fetch covers many things that other pet health insurance companies do not cover.

However, like all pet insurance companies, Fetch does not cover pre-existing conditions. If your dog has cancer and you sign up for dog insurance with Fetch, for example, you cannot receive compensation for any cancer treatment bills.

Fetch also does not cover cosmetic or elective procedures unless your vet decides them to be medically necessary, nor does Fetch cover routine and preventive care.

Items not covered by Fetch include:

Pre-Existing Conditions: If your pet has a pre-existing condition before signing up for Fetch, then Fetch will not cover expenses linked to that condition.

Elective or Cosmetic Procedures: Fetch does not cover tail docking, ear cropping, or other elective or cosmetic procedures unless your vet has decided these procedures are medically necessary.

Routine and Preventive Care: Fetch does not cover certain expected expenses of owning a pet, including spaying and neutering, teeth cleaning, flea and tick prevention, and vaccines.

Fetch Dog Insurance

Fetch aims to offer the most comprehensive dog insurance and health advice. Like other Fetch plans, Fetch’s dog insurance lets you use any vet in the United States or Canada.

Fetch’s dog insurance lets you:

Step 1) Use any vet in the United States or Canada.

Step 2) Submit a claim in minutes by uploading a photo of your vet documents.

Step 3) Get paid back quickly, receiving up to 90% of your unexpected vet bill in as little as two days by direct deposit.

Fetch covers all of the items listed above, including everything from emergency expenses to illness treatment and boarding fees.

Fetch does not cover certain dog-related expenses, including pre-existing conditions, elective or cosmetic procedures, and routine or preventive care.

On average, Fetch’s dog insurance plans are priced at around $35 per month. Plans are cheaper for puppies.

Fetch Cat Insurance

Fetch offers the most comprehensive cat insurance and health advice. The company aims to provide unmatched cat insurance, helping you get treatment for injuries, illnesses, sick-visit exam fees, teeth and gums, breed-specific issues, emergency vet visits, and more.

Fetch’s cat insurance does not cover routine and preventive care, cosmetic or elective procedures, or pre-existing conditions.

On average, Fetch charges $25 per month for cat insurance. You’ll pay less for a kitten.

Fetch’s cat insurance works similar to Fetch’s dog insurance and other insurance products:

Step 1) Use any veterinarians in the United States or Canada.

Step 2) Submit a claim in minutes.

Step 3) Get paid back fast, receiving up to 90% of your unexpected vet bill in 2 days by direct deposit.

You can sign up for Fetch at any time, then cancel at any time with no fees.

Fetch Pricing

Fetch costs $25 to $35 per month, on average. However, prices vary based on your pet’s age and breed, location, and how you set up your policy, among other factors.

  • Average Price of Fetch Insurance for Cats: $25 per month
  • Average Price of Fetch Insurance for Dogs: $35 per month

You can adjust your Fetch insurance plan to raise or lower your monthly premiums, changing things like:

Maximum Annual Payout: Your Fetch plan has a certain maximum dollar amount that you can be paid back per policy year. The higher your maximum annual payment is, the higher your Fetch insurance premiums will be.

Annual Deductible: Fetch has an annual deductible, a fixed dollar amount you must pay before insurance kicks in. If you have a higher deductible, you’ll pay more for care but have lower monthly premiums.

Percentage Reimbursement: You can choose how much reimbursement you receive from Fetch after meeting your deductible. The higher the percentage of expenses covered by Fetch, the more you’ll pay per month.

Fetch bases its pricing on just three factors: your age, breed, and location.

Younger pets tend to be cheaper to insure than older pets. Plus, certain breeds are more susceptible to medical conditions than others. Fetch also considers your location, as the cost of veterinary care varies widely across the United States and Canada.

Certain things do not impact your Fetch insurance premiums, including the sex of your pet, your pet’s medical and behavioral history, your pet’s spay or neuter status, and your pet’s indoor or outdoor status.

You can get customized Fetch pet insurance quotes through their online form.

Give Fetch information about your pet’s name, breed, age, and ZIP code, then receive a custom quote.

How to File a Claim with Fetch

Fetch makes it easy to submit a claim. You pay for care at the veterinary clinic. Then, you submit the documents to Fetch and receive reimbursement based on how you set up your policy (say, depending on your deductible and your percentage reimbursement setting).

Here’s how to file a claim with Fetch:

What You Need

You need two documents to submit a claim to Fetch:

A finalized invoice from your pet explaining what your pet was treated for and how much you were charged. The invoice must show a zero balance (indicating it was paid in full) for Fetch to accept it.

Detailed medical records from your pet’s latest checkup (a visit unrelated to your pet getting sick or hurt). Medical records explain your pet’s medical history, allowing Fetch to see what they can cover and what could be a pre-existing condition. Ask your vet for “SOAP notes” if you’re unsure whether or not you have these records.

Submit Your Claim

Then, you submit your claim through Fetch’s online form or app:

Step 1) Log into the online form or app.

Step 2) Go to Claims

Step 3) Go to Submit a Claim

Step 4) Follow the instructions in the claim form.

Then, Fetch typically processes the claim within 15 days of receiving all of your documents. Fetch emails you with frequent updates. You’ll get paid back more quickly if you set up a direct deposit.

Fetch may temporarily deny your claim due to missing documents. You may receive an email saying “ACTION NEEDED: Documents Missing,” for example. Fetch explains what documents you need to process the claim. Submit the missing documents through the app or website to receive compensation.

Finally, you’ll receive compensation based on your deductible and reimbursement rate.

Fetch has a 90-day time limit for claims. You must submit a claim within 90 days of your invoice date, or Fetch will not cover it.

Fetch’s Comprehensive Pet Coverage: Explained

Fetch tends to cover more pet care expenses than competing companies. We listed Fetch’s coverages above, although we’ll go into further detail about each type of coverage below.

Treatment for Injuries: If your pet gets hurt, then Fetch covers the cost of healing your pet. Fetch can cover cuts, foreign object ingestion, broken bones, and ACL ruptures, for example.

Treatment for Illnesses: Fetch covers treatment for illnesses. If your pet gets sick, then Fetch can cover treatment for illnesses like vomiting, diarrhea, and urinary tract infections. Fetch also covers more serious illnesses like heart disease and cancer (assuming they occur after you signed up for Fetch and after the waiting period ends).

Sick-Visit Examination Fees: Every sick visit has an exam fee, typically around $50 to $250. Fetch covers these exam fees.

Every Tooth & Gum: Fetch covers injury and disease in every adult tooth in your pet – not just the canines. The company also provides full coverage for periodontal disease, the most common disease in dogs and cats, oral tumors, trauma, and more.

Breed-Specific Issues: Some insurance companies cover breed-specific issues, while others do not. Fetch covers certain breed-specific issues, including breathing problems in French bulldogs and kidney stones in Burmese cats.

Alternative & Holistic Care: Fetch covers alternative treatments and holistic care for your pet – something not all providers cover. If you get acupuncture, aromatherapy, chiropractic care, or homeopathic therapy for your pet, then Fetch will cover it (assuming a vet administered the treatment to treat an injury or illness).

Emergency Visits to the Vet: Fetch covers emergency visits to licensed emergency veterinary clinics anywhere in the United States or Canada.

Specialists: Fetch covers treatment by licensed veterinary specialists, including orthopedists, oncologists, orthodontists, and cardiologists. If your dog needs specialized treatment or diagnosis, then Fetch can cover it.

Diagnostic Tests: If your vet performs a test to help diagnose an injury or illness, then Fetch can cover it. Common diagnostic tests covered by Fetch include blood tests, urinalysis, MRIs, and ultrasounds.

Hospitalization: Fetch covers hospitalization, including overnight stays at a licensed veterinary hospital anywhere in the United States or Canada. If your pet needs to be held overnight for treatment, monitoring, or further testing, then Fetch can cover it.

Physical Therapy: If your pet needs certain types of physical therapy to treat an injury or illness, then Fetch can cover it. Common types of physical therapy covered by Fetch include hydrotherapy, laser therapy, underwater treadmill treatment, kinesiotherapy, land-based exercise, stretching, electrical stimulation, and massage.

Behavioral Therapy: Fetch covers behavioral therapy, including consultations with a vet to diagnose and treat behavioral disorders. If your dog has aggression, separate anxiety, phobias, or other behavioral issues, for example, then Fetch can cover associated treatment. Fetch covers up to $1,000 per year in behavioral therapy.

Virtual Vet Visits: Fetch covers virtual vet visits, including remote telehealth treatment provided by a vet. If a vet calls, emails, texts, or video chats to provide treatment for your dog, then Fetch can cover it. Fetch covers up to $1,000 per year in virtual vet visits with no copay required.

Supplements: Fetch is one of the few pet insurance companies covering supplements. Fetch covers non-prescription medicinal substances for your pet, including nutraceuticals, vitamins, and herbal medicines, as long as your veterinarian recommends these items to treat an injury or illness.

Boarding Fees: Fetch covers boarding fees, including the cost of boarding your pet at a licensed facility when you’re in the hospital. Fetch covers up to $1,000 per year in boarding fees.

Advertising & Reward: If your pet has gone missing, Fetch covers up to $1,000 per year in advertising and reward fees. If you spend $200 making flyers to help find your pet, for example, and offer an $800 reward, Fetch could cover these costs.

Fetch’s Exclusions: Explained

Fetch, like all pet insurance companies, has certain exclusions. Here are some further details about what Fetch does not cover:

Routine and Preventive Care: Fetch doesn’t cover vaccinations, checkups, spaying or neutering, or teeth cleaning, among other routine and preventive care.

Pre-Existing Conditions: Fetch does not cover pre-existing conditions, which are any conditions that occurred before you enrolled or during the waiting period. Fetch covers any new injuries and illnesses that occur after your waiting period is over.

Claims Filed More than 90 Days After Treatment: Fetch has a 90-day limit on claims. If you don’t file your pet insurance claim within 90 days, then Fetch may not cover it.

Prescription Food: Fetch does not cover prescription food. The company covers supplements recommended by your vet to treat a specific condition.

Anything That Happened Before or During the Waiting Period: Fetch, like all pet insurance companies, has a waiting period. This waiting period ends 15 days after the effective date of your policy. Fetch sends you an email on the day your waiting period ends. If you sign up for Fetch and your dog gets injured the next day, for example, then Fetch won’t cover it.

Fetch Versus Competing Pet Insurance Companies

Fetch has an entire section of its website dedicated to comparing itself to competing pet insurance companies.

Fetch believes it’s the best pet insurance in the world, which is why they’re confident they stack up well against Lemonade, Embrace, Trupanion, Nationwide, Healthy Paws, Pumpkin, Pets Best, Figo, the ASPCA, and other pet health insurance providers.

Some of the differences between Fetch and competing companies include:

No Upper Age Limits: Fetch has no upper age limits. You can enroll a 15-year-old pet into Fetch if you like. Other pet insurance companies, including Lemonade, have upper age limits.

No Enrollment Fee: Fetch does not have an enrollment fee. Other companies, including Lemonade, charge an enrollment fee of around $25.

Comprehensive Dental Coverage: Most pet insurance companies don’t provide comprehensive dental coverage for every tooth and gum. Fetch does provide comprehensive dental coverage.

Sick Visit Examination Fees: Many pet insurance companies charge extra for sick visit exam fees. Fetch covers these fees.

Coverage for Alternative & Homeopathic Therapies: Few pet insurance companies cover alternative and homeopathic therapies. Fetch covers these treatments when performed by a vet to treat an illness or disease.

Coverage for Online or Telehealth Vet Visits: Telehealth vet services are more popular than ever. Fetch covers up to $1,000 in online or telehealth vet visits per year. Other pet insurance companies may or may not cover these visits.

15-Day Illness Waiting Period: Some pet insurance companies, including Trupanion, have a 30-day illness waiting period. Even if you sign up for pet insurance, you are not technically covered for 30 days. Fetch has a waiting period of 15 days, which is lower than certain other providers.

Live Chat Available: Most other pet insurance companies do not have live chat customer service. Fetch does offer live chat, helping you talk to Fetch’s team to verify coverage for free.

Coverage for Boarding: Some pet insurance companies cover boarding, while others charge extra. Fetch covers boarding, for example, while Figo charges extra.

6 Week Lower Age Limit: Fetch has an age limit of 6 weeks and up. Some companies have a higher age limit – say, 8 weeks and up. If you want coverage for your puppy or kitten from the earliest possible age, then Fetch may be the right choice.

Covers All of the United States and most of Canada: Some pet insurance companies only cover certain states. Fetch, on the other hand, covers all 50 states and most of Canada.

About Fetch

Fetch is a pet insurance company founded by The Dodo. The Dodo was launched in 2014 as a pet media company: they’re best-known for sharing cute pet stories and videos online.


Fetch aims to make pet insurance affordable to pet owners across the United States and Canada.

As of August 2022, Fetch has 282,200+ covered pets, 210 team members, and 3 offices (in New York City, Pennsylvania, and Winnipeg).

You can contact Fetch via the following:

  • Email: info@fetchpet.com
  • Phone: 1-866-467-3875
  • Mailing Address: PO Box 1489 Bolingbrook, IL 60440

The company also has an interactive chatbot available 24/7.

Final Word

Fetch is a pet insurance company aiming to solve many problems with other pet insurance providers.

Fetch covers more than an average pet insurance company, including unique things like boarding and supplements, emergency vet visits, illness treatment, and more.

To learn more about Fetch dog and cat insurance or to request a quote today, visit the official website at FetchPet.com.