Fetch Pet Insurance
Fetch offers comprehensive insurance for dogs and cats. Unlike many pet insurance providers, Fetch has a single policy. The policy covers emergency veterinary exams, non-routine dental care, and holistic health services like homeopathy, acupuncture, chiropractic, and hydrotherapy.
No matter how old your cat or dog gets, Fetch will never drop your coverage. That means you can keep veterinary prices low even as your pet ages.
Overall Rating
Read some of the most recent customer reviews from real pet parents just like you!
Customer Reviews
Coverage
Coverage is king. Whether you’re shopping for pet insurance, auto insurance or life insurance, coverage is what differentiates insurance policies. If you’re looking for excellent accident and illness coverage then Pet plan insurance is an excellent choice. They do not offer wellness coverage, but by not offering wellness care they can keep costs low.
Coverage Notes
- Unlimited Lifetime Benefits
- Non-routine veterinary exam fees are covered in all plans, including at emergency and specialist hospitals
- 24/7 customer service and claims
- Short waiting period for accidents (5 days after enrollment)
- 24-7 ‘fetch a vet’ Veterinary Helpline
Coverage Highlights
One Customizable Plan
Fetch Pet insurance offers one simple, comprehensive plan that you can customize to meet your needs and budget.
- Behavioral Therapies: Yes
- Loss due to Death or Stray: $1,000 annually
- Advertising & Reward: $1,000 annually
- Boarding Kennel Fees: $1,000 annually
- Death from Illness or Injury: $1,000 annually
- Vacation Cancellation: $1,000 annually
*Ancillary coverages are included in all plans with an annual coverage limit of $15,000 or greater at $1,000 annually for the following:
- Treatment of behavioral conditions with a licensed veterinarian
- Lost pet advertising and reward
- Boarding fees
- Loss due to theft or straying
- Death from covered illness/injury
- Vacation cancellation
Coverage Details
- Covered for Life® guarantee – Fetch will never terminate your policy based on your claims history or just because your pet is sick.
- The complete sick visit – including the exam fee – is covered in all plans, including at emergency and specialist hospitals
- Covers pets of any age (over 6 weeks old) – no upper age enrollment limit
- No Claims Credit:For each consecutive 12-month policy period that a pet has been insured by Fetch and has gone without a paid claim, a credit shall be awarded to the customer at renewal.
- 24/7 customer service and claims
- Short waiting period for accidents (5 days after enrollment)
- 24-7 ‘fetch a vet’ Veterinary Helpline
- Major Medical: Sick visit exam fees; Illnesses; Injuries; Comprehensive dental disease and injuries; Alternative, holistic and homeopathic treatments; Hereditary and chronic conditions; Behavioral treatments
- Use any licensed vet in the U.S. or Canada
- No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Fetch and has gone without a paid claim, a credit shall be awarded to the customer at renewal.
Enrollment Requirements
*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.
**Orthopedic Health Issues
- 6-month waiting period for cruciate ligaments and patellar luxation
- Standard 15 day Illness Waiting Period for other Orthopedic conditions
- Exclusionary period for knees can be waived with a healthy knee exam/check at the vet while the policy is in force
- 30-day waiver is available
- Cruciate injuries and illnesses are coverable, but there is a six month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days
Cost
Fetch pet insurance provides excellent coverage. Their policy pricing reflects the extensive and comprehensive coverage they provide, including coverage of veterinary exam fees that others exclude, and the most comprehensive coverage of dental illnesses and injury available among North American providers. Discounts, subject to individual state approvals: • Maximum discount 10% • 5% Online • 10% Military Personnel - active or retired • 10% Medical Service Pet • Refundable if the policy is cancelled within the first 30 days • Not applicable in all states; subject to approval by state Average premium based on $250 deductible, 90% reimbursement and $15,000 annual limit for 2 year-old mixed breed dog and 3 year-old mixed breed cat, respectively.Fetch is the only pet insurer that does not charge fees
Sample Premiums
Dogs
Cats
About Fetch Pet Insurance
Fetch is one of the the most tenured and trusted brands in the North American pet insurance market. They offer world-class injury and illness coverage plus additional coverage for lost pets, boarding fees and vacation cancellation coverage on policies with an annual limit of $15,000 or greater.
Fetch Pet Insurance was founded by husband and wife entrepreneurs Natasha and Chris Ashton. Fetch is actually the sister company of Fetch UK, which is the world’s largest pet insurer. Underwriter: XL Specialty Insurance Company, A+ S&P Rating.
Fetch also provides pet insurance with partner companies. Here are some companies they provide plans (and discounts) for:
- AAHA (American Animal Hospital Association)
- AARP
- Blue Cross Blue Shield
- Esurance
- Walmart
Fetch comprehensive insurance gives most families the coverage they need. The company also helps keep prices low. Your premium from Fetch, however, depends on factors like your pet’s age, the deductible you choose, and the amount you want to get reimbursed.
Get a quote from Fetch today so you can see whether it fits your budget.
Company Profile
Fun Fact: Fetch is the exclusive, preferred pet insurance provider for the American Animal Hospital Association!
Policy Exclusions
Fetch Pre-Existing Conditions: A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.
i. Any injury that happened or any illness that first showed clinical sign(s) before the effective date of this policy; any illness that first showed clinical sign(s) during the waiting period beginning on the effective date of this policy; any injury that occurred during the waiting period beginning on the effective date of this policy.
ii.Any injury or illness that is the same as, or has the same diagnosis or clinical sign(s) as any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the waiting period beginning on the effective date of this policy; or any injury that is the same as, or has the same diagnosis or clinical sign(s) as any injury that occurred to your pet during the waiting period beginning on the effective date of this policy.
iii. Any injury or illness that is caused by, relates to or results from any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is caused by, relates to or results from any illness or clinical sign(s) your pet had during the waiting period beginning on the effective date of this policy; or any injury that is caused by, relates to or results from any injury that occurred to your pet during the waiting period beginning on the effective date of this policy. This exclusion applies no matter where the injury, illness or clinical sign(s) are noticed or occur on your pet’s body.
If your pet has received treatment for a cruciate or soft tissue injury to one knee during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.h.) then the other knee is automatically excluded from coverage for a period of twelve (12) months from the date of last treatment to the affected knee. If your pet has received treatment for a cruciate or soft tissue injury to one knee prior to policy inception then the other knee is automatically excluded. If your pet has shown clinical signs of a cruciate or soft tissue injury to one knee prior to the effective date of this policy or during the first six (6) months of the policy (where no certification of knee health has been provided as described in Section V.h.), then the other knee is automatically excluded from coverage.
Intervertebral disc disease when another disc in the same or neighboring spinal region (e.g. cervical, lumbosacral) was previously treated or showing clinical sign(s) prior to the effective date of this policy or during the first fifteen (15) days beginning on the effective date of the policy.
Breeding, Pregnancy, Whelping treatment
Routine and preventive treatment
Experimental procedures and treatments
Organ transplants – not deemed medically necessary or not first approved by us
Definitions
- Clinical Signs – Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, recorded in your pet’s medical record, or identified in previously performed examinations or treatment(s) for your pet).
- Congenital Defects or Abnormalities – Any condition(s) or disorder(s) present at and existing from the birth of your pet.
Compare Fetch
Check out these handy, side-by-side comparison pages to see how Fetch stacks up!