We receive advertising fees from the companies listed in the chart below, which affect rankings

Fetch Review

Fetch Review

Ashley Davis

pawlicypick.com Editor

View Plan

9.8

Pros:

Complimentary review of medical history
Covers a wide range of veterinary care
Provides an option for accident-only coverage
Allows for a vanishing deductible option

Cons:

No option to set a zero or unlimited deductible
Wellness benefits are somewhat restricted

About Fetch

Fetch provides extensive insurance and health advice for cats and dogs. It is a trusted provider for no-kill shelters in the U.S. and Canada and is favored by AARP members.

Fetch Insurance Coverage

Fetch is known for its comprehensive insurance coverage, with no restrictions on congenital or hereditary conditions, advanced testing, medications, hospital stays, rehabilitation, or holistic therapies for pets that experience accidents or illnesses.

Behavioral Treatment: Coverage includes behavioral treatments in all policies, with annual limits from $5,000 to unlimited for issues like separation anxiety and noise phobia, unlike other providers that may require separate riders.
Non-routine Exam Fees: Plans cover non-routine vet exam fees, including those from specialists and emergency veterinarians, offering potential savings of up to $250 per visit.
Dental Coverage: Fetch provides extensive dental coverage, protecting against various injuries and treatments such as extractions, periodontal disease, and root canal therapy, going beyond the typical coverage offered by other providers.

Coverage Summary

Medical Conditions Covered: Accidents, illnesses, congenital, hereditary, chronic, accidental dental, oral injuries, diseases, and behavioral issues, including cancer.
Medical Treatments: Diagnostic exams, hospitalization, surgery, prescription medications, holistic care, and alternative treatments.

If a pet has a curable pre-existing condition, it will be covered after a 365-day exclusion. Fetch also covers most bilateral conditions.

Details

Pets Covered: Cats & Dogs
Veterinarian Selection: No restrictions
Out-of-State Coverage: Available
Commercial Pets Coverage: Not available

Waiting Period

Pets as young as six weeks can be enrolled with no maximum age limit. The waiting period for illnesses is up to 15 days.

Cost of Coverage

Fetch utilizes 15 years of data to establish pricing based on breed, age, and location, ensuring their coverage is more extensive than other providers. As a result, their plans are not the cheapest on the market, reflecting the premium service offered.

Sample Monthly Premium:

1-Year-Old Male Golden Retriever in Westminster, CA: $19.66
1-Year-Old Male American Shorthair in Westminster, CA: $19.66
Annual Coverage Limit: $10,000
Annual Deductible: $300
Reimbursement Rate: 80%

Discounts

Eligible groups can receive up to a 10% discount, including:

Rescue adopters
Shelter adopters
Veterinarians
Veterinary employees
Walmart shoppers
Active military members and veterans

Policy Benefit Limits

The maximum annual payout for a Fetch policy begins at $5,000. Understanding breed-specific conditions and local treatment costs can help policyholders optimize their coverage.

Deductible and Claim Reimbursement

Fetch’s policy pays a set percentage of the vet bill after the deductible is met, with options for reimbursement at 70%, 80%, or 90%.
Flexible Deductible Options:
- Cat owners can choose deductibles of $250, $300, or $400.
- Dog owners can select deductibles of $300, $500, or $700.

A higher deductible typically results in a lower monthly premium. Fetch operates under an annual deductible model, requiring pet owners to meet only one deductible each year.

Jennet Miller – Fetch

Detroit, Michigan

Fantastic services! My cousin had been urging me to switch my pet insurance provider due to their delayed payments and lack of coverage for specific health conditions. After finally making the move to Fetch, I wish I had switched much earlier. Mars, my 5-year-old golden retriever, has generally been healthy, but when he fell ill, I took him in for a check-up and treatment, and Fetch covered all the costs. Thank you!

Filing Claims and Customer Service

Fetch distinguishes itself by providing a specific claims payout timeframe within its terms and conditions. While they state a 30-day payout period, reimbursements can be received as quickly as 7 days after filing a claim, particularly if submitted online or via the Fetch app.

Claim Submission Requirements

To file a claim, you will need two documents:

Finalized Invoice from the Vet: This should include details of the treatments and services your pet received, along with the total cost and confirmation that the bill was paid in full.
Detailed Medical Records: Recent medical records should show your pet’s history and any applicable conditions for quicker claim processing.

Important Claim Filing Guidelines

Claims must be submitted within 90 days of receiving treatment. Failure to do so will result in non-coverage of the vet expenses.
Fetch offers a mobile app for both Android and iOS, allowing for easy claim submissions without extensive paperwork, or you can submit claims through their online portal.

Additional Services

If immediate veterinary access is not possible, Fetch provides a Telehealth service for phone consultations, which can be especially useful in emergencies.

Fetch