Pet Insurance Reviews

Fetch Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated Jan 05, 2024 | 14 min read
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1,620 Consumer Reviews

Trustpilot, October 2023

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Average Price For Dogs

$35 / month

Average Price For Cats

$20 / month

Payment Processing Fee


Enrollment Fee


Coverage Options

Annual Deductible

$200, $350, or $500

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

$10,000 or unlimited

Waiting Periods


15 days (0 in ME)


15 days (0 in ME)

Injuries of the Hips and Knees

6 months

*waived upon completion of vet exam and submission of detailed medical records within first 30 days establishing no pre-existing condition

Filing a Claim

File Claims 

online or phone

Claim Expiration 

90 days after the start of the next policy term

Average Claim Reimbursement 

15 days

Enrollment Requirements

Minimum Age at Enrollment 

6-weeks old 

Medical Review 

health checkup required at enrollment and policy renewal

Residency Requirement 

insured pets must reside with you at your primary address in the United States or Canada

Fetch Pet Insurance offers a number of unique benefits that make it one of the best pet insurance companies around. You can enjoy extensive coverage for your pet's healthcare, including sick visits, hospital stays, holistic care, alternative therapies, chiropractic, acupuncture, and more.


  • No maximum age limit for enrollment
  • Cancel anytime
  • Includes $1,000 in coverage for online vet visits with no copay required
  • May cover some curable conditions after 12 months without symptoms
  • Every adult tooth is covered against injury and disease
  • Covers the diagnosis and treatment of behavioral disorders


  • Cannot pay the vet directly
  • Requires an annual health check, annual dental exam, and the use of prescribed prophylactic medication


Fetch by the Dodo is the largest pet health insurance provider worldwide and has been operating in the U.S. since 2006. The company's goal is to provide “tooth-to-tail” protection for pets from when they’re born to their senior years and beyond.

What's Covered

  • Accidents and illnesses
  • Hospitalizations and emergency visits
  • Breed-specific conditions such as hip dysplasia
  • Alternative, holistic, and physical therapy
  • All teeth are protected against injury and disease
  • Prescription medication and supplement
  • Boarding costs for owner hospitalization
  • Diagnosis and treatment of behavioral disorders (up to $1,00 per year)

Optional Add-On: Routine Care

What's Not Covered

  • Cosmetic or elective procedures
  • Non-prescription food or supplements
  • Anal gland expression
  • Complications due to breeding, nursing, or whelping
  • Lost pet advertising and reward
  • Vacation cancellation costs
  • Restrictions on recurring activities that cause multiple incidents
  • Pre-existing conditions

Routine Care Add-On

Pet parents can add the Fetch Wellness plan onto their insurance policy to help offset the costs of their pet's routine care, such as:

  • Annual exams
  • Vaccinations
  • Dental cleanings
  • and More

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Waiting Periods

Fetch Pet Insurance has a 15-day waiting period that begins the day after you enroll. Fetch will cover illnesses and injuries that occur after this mandatory waiting period is over; any claims submitted during this time frame will be considered a pre-existing condition and excluded from insurance coverage.

  • Accidental injuries: 15 days*
  • Unexpected illnesses: 15 days*
  • Knee and Hip injuries: 180
  • Wellness coverage: 0 days

The waiting period for knee injuries can be waived upon completion of a veterinary exam within the first 30 days of enrollment to determine there are no relevant pre-existing conditions. You must submit detailed medical records from that vet visit when first filing a claim.

*In Maine, there is no waiting period for accidents and injuries, and a 15-day waiting period for illnesses, as of January 1, 2023.

See how much Fetch Pet Insurance costs for your pet

How it 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.

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1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.

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2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.

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3. File a Fetch Pet Insurance claim through the app or website and upload the requested documents.

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4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

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

You can file a Fetch Pet Insurance claim quickly by taking photos of your invoice with your phone and uploading them through the app. Here are additional instructions Fetch Pet provides:

You must, if your pet suffers an illness or injury that may be covered:

  • Visit a veterinary clinic within forty-eight (48) hours after first noticing clinical sign(s) relating to an illness or injury;
  • Complete and send to Prudent Pet a claim form describing the illness or injury as soon as practicable but no later than ninety (90) days after end of the policy period.
  • Provide Prudent Pet with copies of invoices from the treating veterinary facility;
  • Provide Prudent Pet with copies of invoices and proof of payment for prescribed medications;
  • And otherwise cooperate with Prudent Pet in the investigation of any claim which may include providing a complete medical history for your pet.

Failure to comply with these conditions may result in a claim not being covered.

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.

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Average Price for dogs:

$35 / mo

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Average Price for cats:

$20 / mo

Sample Prices

Estimated Fetch Pet Insurance costs are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, Texas.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Get 10% off your premium rate for enrolling multiple pets

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. 

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

 Phone: 1‑866‑984‑0104


Enrollment Requirements

  • Minimum age at enrollment: 6 weeks
  • Medical Review: Annual health checks and dental exams are required to maintain coverage each year
  • Valid United States address: Your pet must reside with you at the primary address you provide to the insurance provider

Cancellation Policy

To cancel a Fetch Pet Insurance policy, call 1-844-251-5462. If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. After 30 days, you’ll be refunded at a prorated amount or the total premium you’ve paid minus your re-enrollment fee where it's applicable.

Below is the official cancellation policy provided by Fetch:

You may cancel this policy at any time. Fetch will return to you the unearned portion of any premium paid. If you notify Fetch within the first thirty (30) days from the start date and you have not submitted any claim against this policy, Fetch will refund the entire premium. Risk-free cancellation terms vary by state.

Fetch has continuous coverage over the lifetime of a pet so long as a pet owner does not commit fraud or file a misrepresentation of the facts.

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Expert Insights

Is Fetch Pet Insurance good?

"Fetch Pet Insurance plans offer comprehensive coverage for things that other providers charge extra for or don't cover at all. Some examples include up to $1,000 in covered telehealth appointments without any co-pay requirement, as well as up to $1,000 in coverage to diagnose and treat behavioral issues. Fetch is also one of the few providers that covers all teeth — not just the canines — in case your four-legged friend develops periodontal (gum) disease, which occurs in one out of three pets by the age of two.

It could be a great choice for new puppy owners, as pets as young as six weeks old are eligible for coverage. Another great feature is the ability to reinstate coverage of some pre-existing conditions after a pet goes symptom-free for one year.

That said, there are several exclusions owners may need to watch out for in the policy details to avoid any unpleasant surprises later on. They'll also need to get regular health checks and dental exams each year as a condition for ongoing coverage."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Fetch Pet Insurance Reviews


1,620 Consumer Reviews

Highly recommend

So far, Fetch Insurance has exceeded my expectations. Got insurance this year for my aging dog who had a bunch of preexisting health conditions, which I knew care related would not be covered. But I’m just 1 months time he developed a growth in his mouth and 5 months last Mast cell tumors which needed to be removed. Surgeries totaling over $3,000 out of pocket. Fetch covered them and out of pocket so far only paid around $800. Quick pre approval for time sensitive surgeries and fairly timely on paying out claims. I’ve also never had an issue getting an agent on the phone. I will say the online chat is absolutely useless, just remove it! But Will recommend to anyone with a pet.

Trustpilot consumer
October 16, 2023

Easy to use

After our old pup needed lots of vet care and medicines, we decided that insurance for our new puppy was a good idea. And when she needed to be on long term medication, Fetch was appreciated. It is easy to file claims and reimbursement is prompt. Customer Service is prompt and helpful.

Merry Alterman
October 17, 2023

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 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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