Fetch Pet Insurance Review

Fetch pet insurance plans and cost

For your dog or cat, a core accident and illness policy is available, plus an optional wellness plan for routine care. In the United States, one published example puts Fetch dog insurance at $34 per month. The company published that figure as a single example, not as a typical price for every pet. Your monthly cost varies with the coverage you have and your pet's age, breed, and location.

Signing up online, you choose a yearly deductible from $250 to $2,500 among the recommended options listed for your pet. Your deductible is the amount you pay from your own pocket each year, before your policy begins paying. Each plan limits payouts to a $10,000 annual limit each year, applies a 90% reimbursement rate, and carries no multi-pet discount.

Fetch coverage and exclusions

Several medical needs that some insurers skip fall under Fetch's accident and illness policy:

• Covered sick or emergency visits include Vet exam fees.
• Dental illness care covers all adult teeth and the gums, and no dental sublimit applies.
• Hereditary and congenital conditions that a pet inherits from its parents
• Behavioral issues are covered, with a cap of $1,000 per year
• For covered injuries or illnesses, Alternative therapy is included.

Your pet counts as having a pre-existing condition if it had a health problem, or showed signs of one, before you enroll. The same is true before the effective date and while the waiting period is still running. Standard exclusions don't cover tail docking, prescription food, or grooming, and ongoing pre-existing conditions aren't covered either. Curable pre-existing conditions are covered, however.

Waiting periods and age limits at Fetch

Different kinds of health problems don't have coverage that starts on the same day. According to the company's waiting period guidelines, your policy works on this schedule:

• For accidents, 0 days
• For illnesses, 15 days
• For orthopedic conditions, 6 months
• Cruciate ligament trouble: 6 months

We suggest signing up puppies and kittens early, and you can do that starting at 6 weeks of age. Enrolling a senior pet comes with no upper age limit, though conditions they already have stay excluded.

Claims and reimbursement at Fetch

Since there's no direct vet pay, you pay your veterinarian at the clinic, then file a claim afterward. You can submit vet bills through the Fetch app (iOS and Android) or your online web account.

After you submit your paperwork, processing of the claim takes typically less than 10 days. Your yearly limit caps the payout, which covers the eligible portion of the invoice once your yearly deductible is met.

Fetch suits these owners

This policy suits owners who want coverage of adult teeth and gums, no dental sublimit, exam fees, and behavioral care. Since no upper age limit applies, Fetch cat insurance and the dog plans also work when you sign up an older pet for brand-new coverage.

Another insurer might suit you better if you want a discount for several pets or if you need one that pays your vet clinic directly. If you worry about joint injuries soon, you might want a shorter orthopedic waiting period, or coverage that includes prescription food.

Questions and answers

Does Fetch pet insurance give you your money's worth?

How well the policy's fixed coverage rules match what your pet is likely to need from the vet decides whether it fits your home. Exam fees, adult dental illness, and pre-existing conditions that can be cured are part of the base plan, but prescription food isn't. You can decide if the price fits your budget by reviewing your custom quote and the policy terms during the refund window.

Is pre-existing condition care covered by Fetch pet insurance?

Chronic or ongoing health problems aren't covered when they start, or show signs, before you enroll, before the effective date, or during a waiting period. That said, the company's accident and illness plan covers curable pre-existing conditions. Look at the plan terms to see the exact rules for how a past curable illness gets reviewed.

How can you get a quote for Fetch pet insurance?

You can get a quote during online sign-up by entering your dog or cat's age, breed, and location. The online tool displays recommended annual deductible options for your pet so you can compare how each choice changes your monthly cost.

Are Fetch by The Dodo and Petplan the same thing?

The provider is listed simply as Fetch in the published terms and conditions, and its policies are underwritten by AXIS Insurance Company. To verify whether an older contract has the same backing company, look at the underwriter name on your policy paperwork.