Skip to content

Fetch Pet Insurance: Protecting Your Pet’s Health and Your Wallet in 2024

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet in 2024


Previously called Petplan, Fetch by The Dodo works with two insurance companies, AXIS Insurance Company and XL Specialty Insurance Company, to provide its policies. Over the past 17 years, Fetch has helped over 350,000 pets get insurance, making it easier for pet owners across the United States to handle vet expenses.

Why Pet Insurance Matters

  • Customizable Coverage: Tailor your pet insurance plan to fit your budget by choosing your annual limit ($5,000 to $15,000) and reimbursement percentage (70%, 80%, or 90%). This flexibility allows you to control your premiums effectively.
  • Comprehensive Protection: Enjoy peace of mind knowing that Fetch covers a wide range of accidents and illnesses, including hereditary and congenital conditions, cancer, surgery, hospitalization, and prescription medications. They also include alternative therapies like chiropractic care, acupuncture, hydrotherapy, and physical therapy, ensuring thorough coverage for your pet’s health needs.
  • Affordable Pricing: Starting at under $15 per month, Fetch offers competitive premiums. On average, dog policies cost $35, while cat policies cost $20. You can get a personalized quote based on factors such as your pet’s breed, age, and location, making it easy to find a plan that fits your budget.
  • Convenient Online Management: Manage your policy effortlessly through Fetch’s user-friendly website or mobile app. You can file claims, track payments, and handle all aspects of your policy online. Plus, with payments reimbursed via direct deposit within a few days, managing your pet insurance is hassle-free.
  • Wellness Add-On Option: Enhance your accident and illness coverage with Fetch’s optional wellness plan. This add-on covers essential routine care such as vaccinations, checkups, and flea/tick medication, ensuring your pet stays healthy and happy.

Understanding Fetch Pet Insurance

What Fetch Pet Insurance Covers

  • Acupuncture
  • Advertising and reward for lost or stolen pets
  • Behavioral therapy
  • Cancer treatment
  • Chiropractic care
  • Dental illnesses
  • Diagnostic testing
  • Emergency care and hospitalizations
  • Hydrotherapy
  • Illnesses such as urinary tract infections or vomiting
  • Imaging and ultrasounds
  • Injuries such as a skin laceration or fractured bone
  • Medically necessary boarding fees
  • Surgery and rehabilitation
  • Vacation cancellation fees if you have to stay home due to a sick pet
  • Vet exam fees

What Fetch Pet Insurance Doesn’t Cover

  • Costs arising from breeding, pregnancy or nursing
  • Elective procedures such as tail docking, declawing, or spaying or neutering
  • Experimental treatments
  • Food (including food prescribed by a veterinarian)
  • Grooming
  • Injuries or illnesses that arise out or racing, fighting, commercial guarding, or any occupational, professional or business use
  • Pre-existing conditions
  • Time and travel expenses to vet appointments
  • Wellness and preventive care costs such as vaccinations or routine exams

Different Plans Available & Their Coverage Options

Maximum Annual Limit Options

The cap on the reimbursement your insurer will pay in a given year is known as the annual coverage limit. Fetch has the following options:

  • $5,000
  • $10,000
  • $15,000

Deductible Options

The amount you’ll have to pay before your coverage kicks in to reimburse you for veterinary expenses is your deductible. Fetch’s accident and illness plan has a choice of deductibles:

  • $300
  • $500
  • $700

Reimbursement Options

When you pay up front for your pet’s veterinary expenses, you’ll then submit a claim for reimbursement for problems covered by your policy. Fetch offers the following reimbursement options:

  • 70%
  • 80%
  • 90%

What Is the Fetch Health Forecast?

  • Fetch Health Forecast is a tool by Fetch designed to help dog owners understand potential health issues their dogs might face in the future.
  • Dog owners can request a Fetch Health Report which uses data from over 16 years, covering clinical findings of more than 725,000 dogs and 500 breeds.
  • The report is generated from about 150 million data points and analyzes over 1,000 types of accidents and diseases to predict a dog’s health trajectory.
  • For example, a report for a 5-year-old Labrador Retriever suggests they may experience fewer illnesses but more injuries compared to the average dog in Canada and the U.S.
  • The report also highlights the top five health conditions a Labrador Retriever might encounter in the next three years, such as a predicted 11% chance of developing a mass or growth, and an 8% chance of a cruciate ligament injury.

Protecting Your Pet’s Health

Importance of Regular Veterinary Care For Pets

  • Preventative Care: Regular veterinary check-ups are essential for preventing illnesses and catching any potential health issues early on. These check-ups allow the vet to assess your pet’s overall health, administer vaccinations, and discuss any concerns you may have.
  • Early Detection: Pets, much like humans, can’t always communicate when something is wrong. Regular visits to the vet help detect any health problems early, before they escalate into more serious conditions. Early detection can often mean more effective treatment and better outcomes for your furry friend.
  • Vaccinations: Vaccinations are vital for preventing diseases that can be harmful or even fatal to pets. Your veterinarian will create a vaccination schedule tailored to your pet’s needs, ensuring they stay protected against common illnesses.
  • Dental Health: Dental care is often overlooked but is crucial for your pet’s overall well-being. Regular veterinary visits can include dental exams and cleanings, helping to prevent dental issues such as gum disease and tooth decay.
  • Nutrition and Weight Management: Your vet can provide valuable advice on nutrition and weight management for your pet. Maintaining a healthy diet and weight is essential for preventing obesity-related health problems and keeping your pet in tip-top shape.
  • Behavior and Training: Veterinarians can also offer guidance on behavior and training issues. Whether it’s dealing with anxiety, aggression, or simply teaching your pet basic commands, your vet can provide valuable insight and resources to help you and your pet live harmoniously together.

Real Case Studies Where Fetch Pet Insurance Saved Pets’ Lives

  • Molly’s Miracle

Molly, a playful Labrador, ingested something toxic during a walk in the park. Panicked, her owner rushed her to the vet, fearing the worst. Thankfully, Molly was insured with Fetch Pet Insurance. The coverage meant her owner could focus on her recovery without worrying about the mounting expenses. Today, Molly is back to her happy, tail-wagging self, all thanks to Fetch.

  • Max’s Misadventure

Max, a mischievous tabby cat, had a knack for exploring high places. One day, his curiosity led him to a perilous perch on the balcony railing. A sudden gust of wind sent him tumbling down. His owner, distraught, rushed him to the emergency vet. Thanks to Fetch Pet Insurance, Max received prompt medical attention, including surgery for his fractured leg. Now, he’s back to his adventurous antics, with a newfound appreciation for ground level exploration.

  • Bella’s Battle

Bella, a gentle senior dog, was diagnosed with a serious medical condition that required ongoing treatment. Her devoted owner was worried about the financial strain of Bella’s care. However, with Fetch Pet Insurance by their side, they were able to afford Bella’s treatments without sacrificing her quality of life. Bella’s story is a testament to the peace of mind that comes with having reliable pet insurance.

Protecting Your Wallet

Rising Costs of Veterinary Care

In recent years, the price of veterinary care has been steadily climbing, making it more challenging for pet owners to afford necessary treatments for their furry companions. From routine check-ups to emergency procedures, the costs can quickly add up, leaving many pet parents feeling overwhelmed and unsure of how to provide the best care for their beloved pets without breaking the bank.

One of the main factors contributing to the rising costs of veterinary care is the increasing demand for advanced medical technologies and treatments for pets. Just like in human medicine, veterinary practices are continually evolving, with new procedures, medications, and equipment becoming available to improve the health outcomes of our animal friends. While these advancements offer better care options, they often come with a higher price tag.

Additionally, the overhead expenses of running a veterinary practice, such as rent, utilities, and staffing, also contribute to the overall cost of veterinary care. Veterinarians must cover these expenses while still offering competitive pricing to attract clients, leading to higher fees for services rendered.

So, what can pet owners do to navigate the rising costs of veterinary care while still ensuring their pets receive the attention and treatment they need?

  • Preventative Care: Investing in preventative measures such as regular check-ups, vaccinations, and parasite control can help detect potential health issues early on, reducing the need for costly treatments down the line.
  • Comparison Shopping: Just like with any other service, it’s essential to shop around and compare prices between different veterinary clinics. Some clinics may offer more competitive pricing or discounts for certain services.
  • Pet Insurance: Consider enrolling your pet in a pet insurance plan to help offset the costs of unexpected illnesses or injuries. Plans vary in coverage and cost, so be sure to research different options and choose one that fits your budget and needs.
  • Open Communication: Don’t be afraid to discuss financial concerns with your veterinarian. They may be able to offer alternative treatment options or payment plans to help make veterinary care more affordable for you.
  • Budgeting: Incorporate pet care expenses into your household budget to ensure you’re prepared for routine veterinary visits and unexpected emergencies. Setting aside a little each month can help alleviate the financial strain when the time comes to seek medical care for your pet.

Comparison Between Out-of-Pocket Expenses v/s Having Pet Insurance

Out-of-Pocket Expenses:

Paying out of pocket means covering all veterinary costs yourself, without any financial assistance. While this might seem straightforward, it can quickly add up, especially in emergencies or for ongoing treatments. Without insurance, you’re responsible for the full bill every time you visit the vet.

Fetch Pet Insurance:

Fetch Pet Insurance offers a safety net for pet owners by providing coverage for veterinary expenses. With Fetch, you pay a monthly premium, and in return, your pet is protected against unexpected medical costs. This means that when your furry friend needs medical attention, you won’t have to worry about the entire bill draining your bank account.

How Fetch Pet Insurance Works

Fetch works by reimbursing up to 90% of your vet bills when a pet gets unexpectedly sick or injured. Once your deductible is met, Fetch will pay your insurance claim at the policy’s pre-set reimbursement rate (selected at the time of enrollment) up to the annual coverage limit.

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet

How to File A Fetch Pet Insurance Claim

  • Window to File: 90 days
  • Average Claim Reimbursement: 6 days
  • Maximum Time for Reimbursement: 30 days
  • Reimbursement Methods: direct deposit or check

How Fetch Pet Insurance Login Works

  • Accessing the Fetch Pet Insurance Website: To begin, head to our website using your preferred web browser on your computer or mobile device.
  • Locating the Login Button: Once you’re on the Fetch Pet Insurance website, look for the “Login” button. This is usually prominently displayed on the homepage or in the website menu. Click here to proceed
Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet
  • Entering Your Credentials: After clicking on the “Login” button, you’ll be directed to a page where you can enter your login credentials. This typically includes your username or email address and your password. If you’re a new user, you may need to create an account first by selecting the “Sign Up” option and providing the required information.
  • Accessing Your Account Dashboard: Once you’ve entered your credentials and clicked “Login,” you’ll be granted access to your Fetch Pet Insurance account dashboard. Here, you can view important information about your policy, manage your pet’s details, submit claims, and much more.
  • Exploring Features and Benefits: Take some time to explore the various features and benefits available to you through your Fetch Pet Insurance account. From tracking claims to updating your pet’s information, our user-friendly dashboard puts you in control of your pet’s coverage.
  • Logging Out Securely: When you’re finished accessing your account, don’t forget to log out securely. This helps protect your personal information and ensures the privacy and security of your Fetch Pet Insurance account.

What Fetch Pet Insurance Cost

On average, Fetch Pet Insurance costs about $20 per month for cats and $35 per month for dogs. Note that your location, pet type, pet age, and breed will impact the price of the plan. In some cases, entry rates can be as low as $5 per month. Getting a quote is the only way to know how much the premium rate would be for your four-legged friend.

Fetch Pet Insurance Customer Service

Fetch Pet Insurance has an Excellent score on Trustpilot and boasts a near-perfect rating of 4.7/5 stars from over a thousand online reviews.

Monday – Friday: 8:00 AM to 9:00 PM EST

Saturday: 9:00 AM – 7:00 PM EST

Fetch Pet Insurance Phone Number

Phone: 1‑866‑984‑0104


Fetch Pet Insurance Reviews

As per Forbes

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet

As per Trust Pilot

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet

As per Nerd Wallet

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet

Fetch To other Pet Insurance Companies

Fetch Pet Insurance: Protecting Your Pet's Health and Your Wallet

Consumer Experience

Website: Fetch’s website is easy to navigate and features coverage information, an extensive FAQ section and a 24/7 chatbot. You can chat live with customer service representatives Monday through Saturday. In addition, policyholders can use their online accounts to file a claim or add a pet to their policy. New customers can get a quote and buy a policy on the website.

App: Pet owners can use the app to scan documents, file a claim, view claim history, track how much of the deductible is left, sign up for direct deposit and access the company’s 24/7 chatbot feature.

Claims: You can file a claim through the app or on the website by providing the company with a finalized, fully paid invoice and detailed medical records. Fetch usually takes about 15 days to process claims and will send status updates via email. If you set up direct deposit, you’ll receive your payout up to 10 days faster than waiting for a physical check in the mail. You must file claims within 90 days of treatment.


As we wrap up our journey into the world of pet insurance with Fetch, it’s clear that this coverage is more than just a safety net for our furry companions – it’s a lifeline.

Throughout our exploration, we’ve uncovered the peace of mind that Fetch provides to pet parents. From unexpected accidents to routine vet visits, Fetch has your back, ensuring that your pet receives the care they need without the added stress of financial burdens.

We’ve also seen how Fetch pet insurance isn’t just about safeguarding your wallet; it’s about safeguarding your pet’s health and well-being. With coverage for illnesses, injuries, and even preventive care options, Fetch ensures that your pet can live their best life without compromise.

But perhaps the most important takeaway is the sense of security and reassurance that Fetch brings to our lives. Knowing that we have a reliable partner in Fetch gives us the confidence to cherish every moment with our beloved pets, without fear of what tomorrow may bring.

So, as we conclude our exploration of Fetch pet insurance, let’s remember that it’s not just about policies and premiums – it’s about love, protection, and the unbreakable bond we share with our furry family members. With Fetch by our side, we can rest easy knowing that our pets will always have the care they deserve.


 1. What is Fetch Pet Insurance?

Fetch Pet Insurance is a plan designed to help cover the costs of veterinary care for your beloved pets. It offers financial protection against unexpected accidents and illnesses, ensuring your furry friends receive the medical attention they need without breaking the bank.

2. How does Fetch Insurance work?

When you enroll in Fetch Pet Insurance, you pay a monthly premium in exchange for coverage for your pet’s medical expenses. Fetch works by reimbursing up to 90% of your vet bills when a pet gets unexpectedly sick or injured. Once your deductible is met, Fetch will pay your insurance claim at the policy’s pre-set reimbursement rate (selected at the time of enrollment) up to the annual coverage limit.

3. Does Fetch Pet Insurance cover exams?

Fetch covers any vet visit related to a covered condition, including exam fees.

4. How to cancel Fetch Pet Insurance ?

To cancel your policy, please give Fetch a call at 1.866.467.3875. They’re available Monday through Friday 9am-6pm EST.

Online : Open Fetch and go to the Account tab . Select Help Center. Tap Deactivate or delete account. Fill out and submit the form.

5. How do I file a claim with Fetch Pet Insurance?

Filing a claim with Fetch Pet Insurance is simple and straightforward. You can usually submit a claim online through their website or mobile app. You’ll need to provide details about the veterinary treatment your pet received, along with any relevant invoices or receipts. Once your claim is submitted, Fetch will review it and process your reimbursement accordingly.

6. Is Fetch Pet Insurance good ?

We rated Fetch Pet Insurance 4.3 out of 5 stars using our review system and chose it as our top choice for thorough coverage. Their plans go beyond basic care, covering things like virtual vet visits, behavior training, alternative medicine, emergency pet boarding, and advanced dental care

7. How do I enroll in Fetch Pet Insurance?

Enrolling in Fetch Pet Insurance is easy! You can typically sign up online by providing some basic information about your pet, such as their age, breed, and medical history. Once you’ve selected a plan that meets your needs, you can start coverage right away and rest assured knowing that your pet’s health is protected with Fetch Pet Insurance.

Leave a Reply

Your email address will not be published. Required fields are marked *