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
Fetch is a great insurance company. Quick and easy upload process for claims and they get back to you with the decision rather quickly. The direct deposit option is the best. No wasting time getting payment back once your deductible is met.
Now that my dog is older, we've utilized our policy more than ever. She has arthritis, and is now on daily medication for the past 2 years. Every claim for her meds, required bi-annual bloodwork, X-rays, etc. have been easily filed, and approved without any unnecessary legwork on my end. I submit the needed information, and within a couple of weeks the money is deposited into my account. It's very set it, and forget it. My processes have always been easy, and stress free.
It's a comfort knowing that getting the best care for my baby girl doesn't have to be compromised due to expensive treatments, and then having to jump through hoops to be reimbursed.
Is insurance costly? Yes, but it is invaluable when you need it. ❤️
Fetch has been really great with handling the claims for my cat Harvey who became really ill with Pancreatitis and has had to also have several visits after a stay at the veterinary hospital. I have had the insurance since 2017 and had never had to file any claims until recently. However, when I did file the claims, they were processed promptly and with no real issues other than wanting records clear back to 2018 (so they had a complete medical history which is reasonable). My rates are going up by almost 39% for the renewal which is find kind of steep even with a higher deductible. On the other hand, my cat is a senior cat and the insurance has paid for itself with vet bills for my cat's recent illness. Word of advice -- make sure that you have your pet examined by the vet for an annual check up each year -- not just when sick or have an injury. If not, it is likely that claims will not be paid if they do not have records of the most recent examination. Seems that some people are confused, surprised, and even angry about this when they sign up and get upset when they will not pay. However, it is outlined in the policy documents (which should be read carefully -- especially related to pre-exisiting conditions). If this is done, they are great about paying your claims with the exception of prescription food/pill pockets, nail trims, wellness exams/vaccinations, etc. This type of insurance is primarily for major illnesses when vet bills can climb from hundreds to thousands of dollars in a matter of days if your pet becomes unexpectedly ill or injured. It really helps to get some money back after a stressful situation and is a relief that you can get the proper care for your pet without having to choose between your finances or the wellbeing/life of the pet that you love. It would be nice if pet insurance would offer paying vets directly after your deductible is met similar to human insurance -- rather than paying it all up front yourself.
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
