Fetch Pet Insurance Review: Plans & Prices 2024
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Fetch Pet Insurance Review November 2024

Fetch by The Dodo review
Key Takeaways
  • Fetch pet insurance by The Dodo offers one of the most comprehensive policies on the market.
  • The base plan includes treatment for dental illnesses and injuries, acupuncture, chiropractic care and other specialty services.
  • Customers have access to 24/7 pet telehealth services for extra peace of mind.
  • Fetch pet insurance offers benefits other providers don’t, like coverage for boarding costs if you’re hospitalized or a reward if your pet goes missing.
  • To see how Fetch stacks up against other pet insurance providers, use our online comparison tool.
SUMMARY

Fetch pet insurance has one of the most comprehensive plans available. They offer one plan type that covers both accidents and illnesses.

Our favorite thing about Fetch Pet Insurance is that your plan comes with many benefits that competitors don’t provide, like treatment for dental disease, chiropractic care, and acupuncture. They’ll even cover your boarding costs if you’re in the hospital and the cost of a reward if your pet goes missing.

To help you understand your coverage options, we did an in-depth Fetch pet insurance review. We paid close attention to the pros and cons of the standard plan and requested price quotes for both cat and dog insurance.

Find out if Fetch pet insurance is the right choice for you with this complete guide.
Best for Extensive Coverage & Perks
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via Petinsurer.com's secure website
4.6
Maximum annual coverage 
$5,000 - $15,000
Reimbursement choices 
70%, 80%, 90%
Deductible choices 
$300, $500, $700

Fetch pet insurance benefits review

There are plenty of reasons why pet parents choose Fetch pet insurance. Here are the ones we found most compelling:

Customizable coverage

You can customize your annual limit ($5,000 to $15,000) and reimbursement percentage (70%, 80%, or 90%) to control your premiums. This flexibility is important for tailoring a plan to your budget.

Comprehensive accident & illness plan

Fetch covers hereditary and congenital conditions, cancer, dialysis, surgery, hospitalization, prescription medications, and more. Their plans are very comprehensive compared to some competitors, and include alternative therapies like chiropractic care, acupuncture, hydrotherapy, and physical therapy.

Affordable pricing

Premiums start under $15/month, with the average dog policy costing $35 and cat policy costing $20. Get a quote based on your pet’s breed, age, location etc. to find your exact price.

Easy online management

You can file claims, track payments, and manage your policy completely via Fetch’s website or mobile app. Payments are reimbursed by direct deposit within a few days.

Wellness add-on available

You can upgrade your accident & illness coverage by adding an optional wellness plan for vaccinations, checkups, flea/tick medication etc.

Fetch pet insurance benefits review

There are plenty of reasons why pet parents choose Fetch pet insurance. Here are the ones we found most compelling:

Taking the time to understand the coverage details, get quotes, and read reviews is important when choosing the right pet insurance. But Fetch offers a nice combination of customizable and comprehensive accident/illness protection at an affordable price, making it a great option to consider.

Fetch pet insurance pros & cons

It’s important to weigh the pros and cons before choosing a policy, even when comparing the best pet insurance companies. The table below highlights some pros and cons of enrolling your pet in a Fetch pet insurance plan.

Pros
  • Extremely comprehensive coverage
  • Covers dental illnesses and injuries
  • Telehealth veterinary services available at no additional cost
  • Pays boarding fees for your pet if you’re in the hospital
Cons
  • No accident-only plan
  • Doesn’t offer a multi-pet discount
  • Requires your pet to have an annual checkup
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Fetch pet insurance plans & coverage

Fetch offers an accident and illness plan with extensive coverage. It does not offer accident-only plans, and wellness coverage is only offered as an add-on to your accident & illness policy.

We’ve broken down what’s included in the Fetch pet insurance accident and illness policy, as well as the additional wellness add-on, below.

Accident and illness coverage

The Fetch pet insurance accident and illness policy is one of the most comprehensive on the market. It includes the standard accident and illness coverage you see with most pet insurance plans, but also covers additional treatments that many don’t include, like chiropractic and alternative therapies and treatment for certain behavioral issues. It’s also one of only a few policies that includes pet dental insurance that covers treatment of dental disease and gum issues.

Fetch pet insurance accident and illness plan

  • Accidents like broken bones, animal bites and swallowed objects
  • Illnesses like vomiting, diarrhea, sneezing and infections
  • Sick visit exam fees; virtual, in-home, or office visits
  • Chronic conditions like allergies, diabetes and arthritis
  • Hereditary and congenital issues
  • Breed-specific issues like hip dysplasia
  • Cancer treatment
  • Dental diseases
  • Behavioral conditions like aggression and anxiety
  • Physical therapy, acupuncture, chiropractic care and homeopathic therapies
  • Emergency care and hospitalization
  • Surgery
  • Blood tests and lab work
  • Diagnostic imaging like x-rays, CT scans, MRIs and ultrasounds
  • Specialist care
  • Prescription medication and supplements
  • Boarding fees if you are hospitalized and unable to care for your pet
  • Lost pet advertising and reward costs
  • Vacation cancellation costs if you have to cancel a trip because your pet is sick

Fetch Wellness add-on coverage

Fetch Wellness cannot be purchased as a stand-alone plan, and must be added on to an accident and illness policy. There are three levels to choose from when selecting your wellness add-on: Essentials, Advantage, and Prime. Each tier includes coverage for annual exam fees and vaccinations, while the upper tiers have higher coverage limits and added benefits.

Below we’ve broken out the benefits included in each tier of the Fetch Wellness plan along with the amount that is covered for each item.

Fetch Wellness Essentials coverage

  • Annual exam ($30)
  • Canine Bordetella / Feline FELV vaccines ($10)
  • Canine DHLPP / Feline FVRCP vaccines ($10)
  • Canine Rabies / Feline Rabies vaccines ($10)
  • Canine Lyme / Feline FIP vaccines ($10)
  • Heartworm, flea & tick prevention ($30)
  • Heartworm tests ($10)
  • Dental cleaning ($75)
  • Spaying or neutering ($100)
  • Blood test ($10)
  • Urinalysis ($10)
  • Fecal test ($10)

Total annual coverage: $315

Cost: Starting at $10/month

Fetch Wellness Advantage coverage

  • Annual exam ($50)
  • Canine Bordetella / Feline FELV vaccines ($20)
  • Canine DHLPP / Feline FVRCP vaccines ($20)
  • Canine Rabies / Feline Rabies vaccines ($20)
  • Canine Lyme / Feline FIP vaccines ($20)
  • Heartworm, flea & tick prevention ($50)
  • Heartworm tests ($25)
  • Dental cleaning ($100)
  • Spaying or neutering ($100)
  • Blood test ($25)
  • Urinalysis ($25)
  • Fecal test ($25)
  • Microchipping ($20)
  • Anal gland expression ($20)

Total annual coverage: $520

Cost: Starting at $20/month

Fetch Wellness Prime coverage

  • Annual exam ($50)
  • Canine Bordetella / Feline FELV vaccines ($25)
  • Canine DHLPP / Feline FVRCP vaccines ($25)
  • Canine Rabies / Feline Rabies vaccines ($25)
  • Canine Lyme / Feline FIP vaccines ($25)
  • Heartworm, flea & tick prevention ($60)
  • Heartworm tests ($30)
  • Dental cleaning ($125)
  • Spaying or neutering ($125)
  • Blood test ($30)
  • Urinalysis ($30)
  • Fecal test ($30)
  • Microchipping ($30)
  • Anal gland expression ($20)
  • Behavioral exam ($25)
  • Health certificate ($30)
  • Activity monitor ($50)

Total annual coverage: $735

Cost: Starting at $30/month

Fetch pet insurance exclusions

Like other companies, Fetch pet insurance has several policy exclusions. These exclusions are pretty standard and aren’t covered by the majority of competitors.

What’s not covered

  • Pre-existing conditions
  • Prescription food
  • Cosmetic procedures
  • Grooming
  • Claims more than 90 days old

We explains these coverage exclusions in a bit more detail below.

Fetch waiting periods and age restrictions

Before enrolling your pet with Fetch, it’s important to know the pet insurance waiting periods and age restrictions.

Waiting periods: This is the amount of time between your enrollment date and the date you can start using your benefits. Fetch has a 15-day waiting period for both accidents and illnesses. For example, if your enrollment date is October 2, you won’t be able to use your benefits until October 18. If your pet develops an injury or illness during the waiting period, your insurance policy won’t cover it.

Age limits: Fetch doesn’t have an upper age limit, so even if you rescue a 15-year-old animal, you can still purchase insurance coverage. There is a minimum age limit of six weeks for dogs and cats.

Fetch pet insurance coverage options

Fetch by The Dodo gives you several coverage options, allowing you to tailor your insurance to your unique needs.

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How much does Fetch pet insurance cost?

For a medium-sized, mixed-breed dog, Fetch charges around $35 per month for a dog insurance policy with a $5,000 annual payout limit, a $500 deductible and an 80% reimbursement level.

It costs around $19 per month to insure an American shorthair cat with the same coverage limits. This assumes that you have a 1-year-old pet and live in ZIP code 90001.

Bear in mind that several factors impact the cost of a pet insurance:

1

City of residence

The cost of living in your city has a big impact on how much you pay for common veterinary services. If vets charge more in your city than they do in other areas, you’ll pay more for insurance coverage.

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2

Coverage selections

Your deductible, reimbursement level and annual coverage limit all affect the cost of your insurance. For example, you may be able to lower your monthly premium by choosing the highest deductible available.

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3

Pet’s age

Like humans, pets tend to develop more illnesses as they get older, creating more risk for insurers. As a result, it costs more to insure a senior pet than it does to insure a puppy or a kitten.

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4

Pet type/breed

In most cases, it costs less to insure a cat than it does to insure a dog. This is because dogs tend to have more health problems. The breed of your pet also has an effect on the cost of your insurance policy, mainly because some breeds have a higher risk of developing chronic diseases. For example, large dogs tend to develop orthopedic problems more often than small dogs.

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Does Fetch offer any discounts?

Fetch offers a 10% military discount for veterans and active military members. Unlike many other providers, Fetch does not offer a multi-pet discount for enrolling two or more animals in a plan.

Fetch pet insurance reviews

On Trustpilot, 84% of Fetch pet insurance reviews are accompanied by four or five-star ratings. A reviewer named Kim notes that Fetch has friendly, knowledgeable customer service representatives, writing that Kelsey “was very helpful and explained the different ways I can file a claim with only having invoices.”

Happy customers have also praised the company’s comprehensive coverage and easy claims process.

How does Fetch pet insurance compare to other providers?

Use the table to compare Fetch Pet Insurance with other top providers like Chewy Pet Insurance, Paw Protect, Metlife Pet Insurance and more. Select a competitor below to get started.
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Fetch by The Dodo CarePlus by Chewy
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Compare Coverage
Accident & Illness Plan
Available
Available
Accident-Only Plan
Not Available
Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Covered
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Covered
Add On
Alternative Therapies
Covered
Not covered
Behavioral issues
Covered
Covered
Breed Specific Issues
Covered
Not covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Not covered
Covered
24/7 Vet Chat
Not covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Covered
Covered
Blood Tests
Covered
Add On
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Not covered
Covered
Microchipping
Add On
Not covered
Boarding
Covered
Not covered
Euthanasia
Covered
Covered
Max Enrollment Age
No Max
No Max
Accident Waiting Period
15 days
2-5 days
Illness Waiting Period
15 days
14 days
Orthopedic Waiting Period
6 months
14 days / 30 days / 6 months

For tips on choosing a provider that fits your needs, read our guide to choosing a pet insurance policy.

What is Fetch Forward?

Fetch Forward uses clinical data and artificial intelligence to help you keep your dog as healthy as possible. For a one-time payment of $25, you get a customized report that alerts you to potential health concerns and gives you tips for addressing them. You can also sign up for Fetch Forward Insights, a newsletter that highlights recent trends and tells you how to protect your pet.

What is DodoVet?

DodoVet is a 24/7 online veterinary service available to Fetch customers.

Once you subscribe, you have access to unlimited support from veterinary experts. This ensures that you can ask questions or get advice about your pet at any time. You may even be able to avoid unnecessary vet visits by using the service. DodoVet costs $19.99 per month.

About Fetch pet insurance

Formerly known as Petplan, Fetch by The Dodo uses two insurers to underwrite its policies: AXIS Insurance Company and XL Specialty Insurance Company. In its 17 years in business, Fetch has insured more than 350,000 pets, making vet bills a little more manageable for customers all over the United States.

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Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

Fetch pet insurance FAQs

Is Fetch pet insurance good?

Yes. Fetch offers one of the most comprehensive pet insurance plans on the market. The standard plan includes telehealth veterinary services, treatment for dental illnesses and injuries, and reward money for lost pets. Many insurance companies exclude these expenses, making Fetch a real bargain for pet owners.

Can I use Fetch pet insurance at any vet?

Yes. Fetch covers bills from every vet in the United States and Canada. You don’t have to look for an in-network veterinarian or choose a vet in your neighborhood. Even if you have to go to another city for specialized care, you can use your Fetch policy to defray your costs.

How do I file a claim with Fetch?

Follow these steps to submit a claim for reimbursement:

  1. Gather your documents. Fetch requires pet owners to submit detailed medical records and finalized invoices for each vet visit. The invoice must show a balance of $0. You can’t get reimbursed for vet bills you haven’t paid yet.
  2. Log in to your account via the mobile app or your favorite web browser.
  3. Click “Claims.”
  4. Click “Submit a claim.”
  5. Fill out the claim form.
  6. Submit your completed claim.

Fetch aims to process claims within 15 days, but it may take longer if you submit an incomplete claim form or don’t provide the required documents. You’ll get your money faster if you set up direct deposit, but you can choose to get reimbursed by check if needed.

How do I cancel Fetch pet insurance?

If you want to cancel your comprehensive pet insurance policy, call (866) 467-3875 between 9 a.m. and 6 p.m. EST on a weekday.

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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