Fetch | Pet Insurance Review

4.9

out of 5

Number of reviews 23,807

Fetch offers the most comprehensive pet insurance Get paid back up to 90% on unexpected vet bills Save $25 or more with quarterly or annual payments $1000 in online vet visits included at no extra cost Protecting 400,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot Exam fees are included which saves you $50-$250 per sick visit Optional coverage for routine and preventive care. Fetch covers hereditary conditions at no extra cost Fetch covers injury and disease in every adult tooth – not just the canines Use any licensed vet in the U.S. or Canada Fetch covers what other providers charge extra for or don’t cover at all
3

out of 5

POSTED: | BY: J England

Nobody to speak with

I have been a customer since February 2023. I also have been trying to actually speak to person (not AI chat) to discuss my claims. I have sent emails and each time a different person responds and makes it painfully obvious that they don't understand what my questions are. I have uploaded my pets health history 3 times (several documents) and they still say they don't have it. Fetch has been horrible to deal with. They were fabulous when I was signing up and now I feel totally ignored. I'd never recommend Fetch Pet Insurance to anyone. 9/13/25 UPDATE (from 1 star to 3): the day after I left this review I received an email from Fetch with a telephone number on how to contact them. I called and got the most wonderful representative named Key who explained what Fetch was looking for (none of the gazillion emails ever did that). She even is going to contact my vet for me to get what Fetch needs for my claims. My final star rating is 3 because it shouldn't take me leaving a bad review to get Fetch's attention.
3

out of 5

POSTED: | BY: J England

Nobody to speak with

I have been a customer since February 2023. I also have been trying to actually speak to person (not AI chat) to discuss my claims. I have sent emails and each time a different person responds and makes it painfully obvious that they don't understand what my questions are. I have uploaded my pets health history 3 times (several documents) and they still say they don't have it. Fetch has been horrible to deal with. They were fabulous when I was signing up and now I feel totally ignored. I'd never recommend Fetch Pet Insurance to anyone. 9/13/25 UPDATE (from 1 star to 3): the day after I left this review I received an email from Fetch with a telephone number on how to contact them. I called and got the most wonderful representative named Key who explained what Fetch was looking for (none of the gazillion emails ever did that). She even is going to contact my vet for me to get what Fetch needs for my claims. My final star rating is 3 because it shouldn't take me leaving a bad review to get Fetch's attention.
3

out of 5

POSTED: | BY: J England

Nobody to speak with

I have been a customer since February 2023. I also have been trying to actually speak to person (not AI chat) to discuss my claims. I have sent emails and each time a different person responds and makes it painfully obvious that they don't understand what my questions are. I have uploaded my pets health history 3 times (several documents) and they still say they don't have it. Fetch has been horrible to deal with. They were fabulous when I was signing up and now I feel totally ignored. I'd never recommend Fetch Pet Insurance to anyone. 9/13/25 UPDATE (from 1 star to 3): the day after I left this review I received an email from Fetch with a telephone number on how to contact them. I called and got the most wonderful representative named Key who explained what Fetch was looking for (none of the gazillion emails ever did that). She even is going to contact my vet for me to get what Fetch needs for my claims. My final star rating is 3 because it shouldn't take me leaving a bad review to get Fetch's attention.
3

out of 5

POSTED: | BY: J England

Nobody to speak with

I have been a customer since February 2023. I also have been trying to actually speak to person (not AI chat) to discuss my claims. I have sent emails and each time a different person responds and makes it painfully obvious that they don't understand what my questions are. I have uploaded my pets health history 3 times (several documents) and they still say they don't have it. Fetch has been horrible to deal with. They were fabulous when I was signing up and now I feel totally ignored. I'd never recommend Fetch Pet Insurance to anyone. 9/13/25 UPDATE (from 1 star to 3): the day after I left this review I received an email from Fetch with a telephone number on how to contact them. I called and got the most wonderful representative named Key who explained what Fetch was looking for (none of the gazillion emails ever did that). She even is going to contact my vet for me to get what Fetch needs for my claims. My final star rating is 3 because it shouldn't take me leaving a bad review to get Fetch's attention.
3

out of 5

POSTED: | BY: J England

Nobody to speak with

I have been a customer since February 2023. I also have been trying to actually speak to person (not AI chat) to discuss my claims. I have sent emails and each time a different person responds and makes it painfully obvious that they don't understand what my questions are. I have uploaded my pets health history 3 times (several documents) and they still say they don't have it. Fetch has been horrible to deal with. They were fabulous when I was signing up and now I feel totally ignored. I'd never recommend Fetch Pet Insurance to anyone. 9/13/25 UPDATE (from 1 star to 3): the day after I left this review I received an email from Fetch with a telephone number on how to contact them. I called and got the most wonderful representative named Key who explained what Fetch was looking for (none of the gazillion emails ever did that). She even is going to contact my vet for me to get what Fetch needs for my claims. My final star rating is 3 because it shouldn't take me leaving a bad review to get Fetch's attention.

Monthly Cost

Plans average $35/month for dogs and $25 /month for cats

Coverage

You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$250, $300 and $500

Age Limits

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Waiting Period

Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.

Exclusions

Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.
Fetch Pet Insurance brings together insurance industry expertise and the animal-loving sensibility of The Dodo. It’s the only pet insurance recommended by the #1 animal brand in the world, The Dodo

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