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Fetch Pet Insurance Review

361 Customer Comments & Reviews - see all comments
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Fetch offers the most comprehensive pet insurance and health advice for dogs and cats. The company is trusted by the top no-kill shelters in the U.S. and Canada, and is the exclusive pet insurance provider for AARP members.
 
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How is Fetch rated?

Breakdown

5.0/5
Coverage
3.0/5
Cost
4.5/5
Extras

Overall Rating: 4.4 / 5 (Excellent)

Fetch ranks highly with us chiefly because of the comprehensiveness of coverage, including coverage for the entire sick visit including exam fees, and flexibility in customizing deductibles, reimbursement rates, and maximum annual payouts. In light of this, the customer has a lot of leeway to mix and match to get the right premiums for their individual pet and financial situation.

Fetch Coverage

Coverage - 5 / 5

Fetch offers the most extensive coverage in comparison to the other companies we rate. They handle all new accidents and illnesses without restrictions for hereditary or congenital conditions, as well as medications, advanced testing, hospital stays, rehabilitative care, and holistic therapies.

Fetch provides coverage for behavioral treatments on all policies, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling. Many other providers require a rider or don’t cover behavioral treatments at all.

Also, all non-routine veterinary exam fees are covered in all plans, including at emergency & specialist vets. While some providers don’t cover the cost of the exam, Fetch does, saving pet parents between $50-$250 per visit on average (with other providers, that’s the equivalent of an additional deductible you must meet on every veterinary visit).

Fetch has the most comprehensive coverage of dental injury and treatment of periodontal disease. Fetch’s comprehensive dental coverage protects against multiple accidents and injuries including broken teeth, periodontal disease, extractions and advanced dental treatments such as root canal therapy for every tooth in the mouth, not just the canines like some other providers.

Finally, Fetch will cover curable pre-existing conditions after the 365 day exclusionary period after your policy becomes active. The company also covers most bilateral conditions when one side is considered to be pre-existing, which is something many other providers won't do.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Vet Selection
Unrestricted
Out-of-State Coverage
Yes
Commercial Pets Covered

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care
  • Holistic Care
  • Homeopathic Treatments

Benefit Limits

Benefit Limits - 5 / 5

Fetch's maximum annual payouts can range from $5,000 to unlimited.

This can be advantageous if you research the types and costs of conditions your particular breed is likely to face, and combine it with the cost of treatment considering your area.
Benefit Limit Types
Annual

Reimbursement & Deductibles

Reimbursement - 5 / 5

Like all the leading pet insurance policies today, Fetch will pay a predetermined percentage of your actual veterinarian bill after you have met your deductible.

The reimbursement rates you can choose from are 70%, 80%, and 90%.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 5 / 5

Cat owners can select a deductible of $250, $300, or $400, while dog owners can select a deductible of $300, $500, or $700.

If you choose a higher end deductible, it is going to translate into lower monthly premiums. Fetch operates on an annual deductible, which is ideal as you will only have to meet the one deductible regardless of incidences.
Deductible Type
Annual
Minimum Deductible Offered
$250
Maximum Deductible Offered
$500

Pricing: How much does Fetch cost?

Cost - 3 / 5

Fetch leverages their 15 years of data to determine the most accurate pricing based on your pet’s breed, age and your location. Fetch also prides itself on offering more coverage than any other provider. They offer premium pet insurance and that means they are not the cheapest. Pricing is based on your pets age, breed and location.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$19.66
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$19.66
Rate Details: Annual Deductible: $300, Annual Coverage: $10,000, Reimbursement Model: 80% of Actual Cost for zip code 76006 for a small mixed-breed puppy or domestic shorthair kitten.
Available Discounts: Up to 10% discounts for shelter adopters, rescue adopters, veterinarians, veterinary employees, active military and veterans.

Enrollment & Waiting Periods

Enrollment - 3.8 / 5

Fetch allows enrollment for dogs and cats as young as six weeks.

Also, unlike most companies, the company does not have an upper age limit so older animals can get covered as well.

For illnesses, the waiting period is up to 15 days.
Min Enrollment Age
6 weeks
Illnesses Waiting Period
15 days

Claims & Service

Extras - 4.5 / 5

Fetch is one of the only pet insurance companies to specifically state a claims payout timeframe in its terms and conditions, 30 days. However, most are reimbursed in 5-7 business days after submission of a completed claim, especially when submitted via the Fetch App or online.

To file a claim, you need two documents:
● A finalized invoice from your vet. Your invoice should clearly show what your pet was treated for, how much you were charged and it has to be paid in full.
● Detailed medical records from your pet’s most recent checkup. Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.

One thing to note: claims have to be filed within 90 days of treatment. If a claim is submitted more than 90 days after the date on the invoice, it won’t be covered.

Fetch also gives you the flexibility of submitting this information through its free app for Android and iPhone. You can also use their online portal on your phone or computer. This lets you file claims instantly and without messy paperwork 24/7.

Fetch also features the "Telehealth" service. This facility provides coverage for telephone consultations for an immediate lifesaving emergency.
Claim Form
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.fetchpet.com/
Headquarters Address
101 Greenwich Street, New York, NY, 10006
Mailing Address
PO Box 1489, Bolingbrook, IL, 60440
Year Founded
2003
What We’re Hearing From Our Readers
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Customer Comments

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Sondra S

5/22/2018
This is not the company I originally signed up with. That company charged a reasonable rate and paid on claims that made it worthwhile to get pet insurance. Not anymore. After I lost 3 cats to cancer, thyroid, and kidney conditions prior to my current cats, I thought that insurance made sense to help pay the bills. However, the way this company now operates is just plain wrong. It's robbery. It's insensitive. Don't do it. My advice: Read the fine print with any insurance company. And don't expect that what you buy today will stay the same. In this case, it surely didn't. And now my cats are older and have pre-existing conditions, so I can't switch. My choice is to keep paying this... Read More
379 People found this helpful.
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andrew

2/21/2018
Do not use this company! They are the worst and have no interest in your pets health. We had our plan changed on us to increase our annual fee and also increase our deductible from $200 to $500. All of this was done behind our backs without telling us. We only found out after a $1000 surgery where we only got $90 of coverage. Please, Please, Please do not use this company to insure your pets. We spent so much money to protect our dog to only get pennies back. After speaking with customer service several times, we were told a letter was mailed to inform us of the change and if we didn't receive it (which we didn't), an "assumption" was made which resulted in an increased in fees and raise... Read More
301 People found this helpful.
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Peter H

8/23/2016
Pet Plan policy owner for six years without a single claim. A month ago Pet Plan jacked my premium up 500% and auto billed me without notice and then dumped my dog policy. Pet Plan just decided to hit me with over $250.00 bill and then cancel the policy. When I called them I was told they didn't have to inform me of the 500% hit job and new underwriters have taken over and decided they didn't want to insure my 12 year old dog anymore despite her good health. The Pet Plan consultant on the line was embarrassed and said she felt terrible but that Pet Plan management is dumping policies they might have to pay out on. So buyer beware of Pet Plan!
272 People found this helpful.
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Rosie

5/15/2018
DONT EVER THINK ABOUT IT!!!!!! RUN!!!! RUN AWAY FROM THEM BEFORE THEY TOOK YOUR MONEY!!!!!!!! If your pet had ever got into any issues before you purchase this insurance, you are never going to be covered. If you think your pet's emergency situation is getting covered by the insurance, you are totally wrong!!! You will be ending up paying every single penny of the emergency situation AND the expensive policy fee. They will use EVERY POSSIBLE DETAIL of your previous record to deny your claims, no matter how they are actually unrelated. I strongly suspect that their people are not qualified for any diagnoses. They will always come up with a conclusion benefit to them so... Read More
234 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Rosie, I understand why you would be frustrated that your recent claim was rejected. I would like to have a Petplan team member take a closer look at your recent claim history to see if we missed something during the initial review of your claims. Please email us at socialmedia@gopetplan.com your policy number so I can have a Petplan team member follow-up with you.
Carl B

1/17/2018
I HAD PetPlan for several years. I WAS happy with them. They were BOUGHT by another company who REDUCED COVERAGE and INCREASED PREMIUMS. I am in the process of TERMINATING my coverage. Before all this happened I was very happy with their customer service.
181 People found this helpful.
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Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Carl, I understand why you would be frustrated. We did have a change in the underwriter, but we are still the same company who cares very much for your fur family. If you will allow us, I would like to have a Petplan team member contact you to see if we can reduce your premiums that have recently increased. In many cases we are able to identify options to keep premiums down. Please email us at socialmedia@gopetplan.com and include your policy number and I will have a Petplan team member contact you today.
Kevin N

2/17/2018
I rate this company zero stars. We've had coverage for two years since buying a breeder puppy. Have had over $5,000 in vets bills for various conditions, and all claims have been denied. Other owners with similar claims with other insurers have had claims paid. Thos company has been a sham for us
166 People found this helpful.
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Laurie L

1/26/2016
They are horrible liars!! I bought this "protection" 2 years ago for my Yorkie and was promised by Mike that she would be covered for all congenital issues. Guess what $15,000.00 dollars later and the death of my beloved little Doodles they paid NOTHING. Dont but this dont belive them they are HORRIBLE
166 People found this helpful.
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David C

3/25/2015
We got an 8 week old puppy thinking that surely if we got PetPlan from the start, we would be solid. Nope. Nope. Nope! Puppy got giardia (which causes diarrhea) in the first 14 days. So now, anything even remotely related to diarrhea is not covered. That includes weird seizures. That includes when he doesn't feel good for any reason and has diarrhea. So what is covered then? Maybe a broken bone? We appealed twice already and each time they deny our claims. Thousands of dollars of claims completely unrelated to giardia or diarrhea yet they find a way to "tie it to" the "preexisting" conditions -- even seizures!? Cancelling this crap and going with another provider. Oh, and another thing,... Read More
151 People found this helpful.
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Danny

4/24/2018
If you start the policy before taking control of the animal and it gets sick they consider it a preexisting condition also if your pet has an accident that too will be considered a preexisting condition. If you value your pet choose another provider. The deductible is not broke down into a percent of a claim so when my bill was $400 they took the whole $300 annual deductible from that claim leaving only $100 reimbursement.
128 People found this helpful.
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K
Keyai L  
Official Response

Community Manager of Fetch Pet Insurance
Hi Danny, I'm sorry your experience with Petplan has not been positive. I understand why you would be frustrated with a claim being rejected because it was a pre-existing condition. Your annual deductible must be met before we are able to reimburse you. Now that you met your annual deductible any future claims would receive the full reimbursement. If you would like to speak with us regarding your recent claims that were rejected, please email us your policy number at Sociamedia@gopetplan.com and I will have a Petplan team follow-up with you.
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Mary H

4/16/2018
I have gone through the ringer with you! I have to WORK a full time job with you to get service Promised. Claims are lost! Inability to read claims! A timely return on cash put out! Shameful! This company is full of regret! Apologies etc. etc.
109 People found this helpful.
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  • Most comprehensive pet insurance for dogs & cats
  • Get back up to 90% on unexpected vet bills
  • $1000 in online vet visits included at no extra cost  
  • Exam fees are covered (Save $50-$250 per sick visit)
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