Fetch Pet Insurance 2025: Full Review of Coverage, Pros & Cons
Our expert's opinion on Fetch
Fetch Pet Insurance is a leading US provider known for its comprehensive coverage and flexible, digital-first plans for cats and dogs, combining accident/illness protection, dental care, behavioral therapy, and optional wellness add-ons in a clear and user-friendly policy. Fetch earns a 4.5/5 rating due to stand-out breadth of coverage—including sick visit exam fees, all adult teeth, alternative treatments, and behavioral care—with reimbursable rates up to 90%, adjustable deductibles, and customizable annual limits; its pricing is competitive, averaging around $35/month for dogs and $20/month for cats, with a strong focus on value compared to most rivals. Fetch is especially well-suited to pet owners seeking robust coverage for young pets, purebreds, or those desiring high reimbursement and flexibility, including routine and wellness care as an optional budget-friendly add-on. Underwritten by AXIS Insurance Company and managed by Fetch Insurance Services, the company demonstrates financial stability, trusted by over 450,000 owners, and boasts a 4.5/5 Trustpilot score from 4,669 reviews; most claims are handled quickly, with app/online submission and typical reimbursement within a few days to two weeks, well-regarded for transparent and prompt service despite some reports of premium increases after large claims.
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
- ❌Premiums may increase after claims
- ❌Pre-existing conditions excluded
- ❌Wellness/routine care requires add-on
- ❌Documentation may be requested repeatedly
- ❌No coverage for exotic pets
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
Our expert's opinion on Fetch
ScoreFetch Pet Insurance is a leading US provider known for its comprehensive coverage and flexible, digital-first plans for cats and dogs, combining accident/illness protection, dental care, behavioral therapy, and optional wellness add-ons in a clear and user-friendly policy. Fetch earns a 4.5/5 rating due to stand-out breadth of coverage—including sick visit exam fees, all adult teeth, alternative treatments, and behavioral care—with reimbursable rates up to 90%, adjustable deductibles, and customizable annual limits; its pricing is competitive, averaging around $35/month for dogs and $20/month for cats, with a strong focus on value compared to most rivals. Fetch is especially well-suited to pet owners seeking robust coverage for young pets, purebreds, or those desiring high reimbursement and flexibility, including routine and wellness care as an optional budget-friendly add-on. Underwritten by AXIS Insurance Company and managed by Fetch Insurance Services, the company demonstrates financial stability, trusted by over 450,000 owners, and boasts a 4.5/5 Trustpilot score from 4,669 reviews; most claims are handled quickly, with app/online submission and typical reimbursement within a few days to two weeks, well-regarded for transparent and prompt service despite some reports of premium increases after large claims.
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
- ❌Premiums may increase after claims
- ❌Pre-existing conditions excluded
- ❌Wellness/routine care requires add-on
- ❌Documentation may be requested repeatedly
- ❌No coverage for exotic pets
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, over a million people in the United States trust us each month to help guide their most important financial decisions.
Fetch Guarantees
Fetch stands out with one comprehensive and highly flexible plan for dogs and cats, offering coverage for a wide range of accidents, illnesses, dental treatment for every tooth, hereditary/breed-specific conditions, exam fees, medications, and much more.
You can choose a reimbursement rate up to 90%, annual limits, and deductible levels, as well as add an optional wellness/preventive package—which is rare for standard plans.
Key strengths include the breadth of dental coverage, alternative and behavioral therapies, and inclusion of exam fees; you can use any licensed vet in the U.S. or Canada, and claims are processed quickly.
However, like most insurers, Fetch excludes pre-existing conditions, routine/preventive care (unless you purchase wellness), and coverage is only available for dogs and cats—premiums may rise after claims according to customer feedback.
| Name of coverage | Fetch Comprehensive Plan |
|---|---|
| Plan positioning | One customizable, all-in-one plan |
| Type of coverage (accident, illness, both, etc.) | Accident & illness (wellness as add-on) |
| Animals covered (dogs, cats, other) | Dogs and cats only |
| Reimbursement rate (%) | 70%–90% (chosen by policyholder) |
| Annual reimbursement limit | $5,000–Unlimited (chosen by policyholder) |
| Deductible (annual or per claim) | $250–$1,000 (annual; customizable) |
| Age limits for enrollment (for dogs and cats) | 6 weeks minimum; no upper limit stated |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 5 days |
| Lifetime coverage once subscribed | ✅ (if policy continuously active) |
| Vet consultations (regular + emergency) | ✅ |
| Medications | ✅ (prescribed meds only) |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | ✅ (every adult tooth; most diseases, injuries) |
| Preventive care package (vaccines, etc.) | ✅ (with add-on) |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ (with vet recommendation; exclusions apply) |
| Travel coverage (countries included, duration) | ✅ U.S., Canada only (as of date) |
| Civil liability | ❌ |
| Euthanasia | ✅ (if medically recommended) |
| Death & cremation coverage | ✅ (death from covered accident/illness only) |
| Theft or loss of pet + search expenses | ✅ (advertising, reward, reimbursement) |
| Boarding fees (if owner is hospitalized) | ✅ (medical hospitalization, limits apply) |
Fetch Pet Insurance - Key Coverage Details
Fetch does not cover pre-existing conditions or routine/preventive care unless you select the wellness add-on. Dental coverage includes all teeth for disease and injury (best-in-class for U.S. plans). Claims must be submitted within 90 days of policy period end, and coverage requires annual health and dental exams. No coverage for exotic pets.
Compare plans and quote options before enrolling to make sure you get the coverage that best fits your pet and your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Fetch Exclusions
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (diagnosed or showing symptoms prior to policy or during waiting periods) - Congenital and hereditary conditions with prior signs - Behavioral disorders or congenital defects existing pre-coverage - Chronic conditions excluded if first signs pre-coverage - Specific knee injury exclusions (without knee certification) - Intervertebral disc disease from prior injury - Illness in pets under 6 weeks old - Costs above “reasonable and customary” amounts - Elective/cosmetic procedures (tail docking, ear cropping, declawing, etc.) |
| Preventive & Routine Care | - Wellness exams, dental cleaning, vaccines, heartworm/flea/tick meds (unless wellness add-on purchased) - Food and prescription diets - Grooming - Parasite preventives, routine deworming |
| Treatment-Related | - Non-veterinarian and most alternative treatments (homeopathy, crystals, non-vet acupuncture, experimental methods) - Boarding (unless due to owner’s qualifying hospitalization) - Hydrotherapy not performed at medical facility - House calls (except in emergencies) - Phone consults (except emergencies) |
| Reproductive Exclusions | - Breeding, pregnancy, whelping, nursing costs (except covered complications after 15-day waiting period) |
| Geographic Exclusions | - Illness contracted outside US/Canada and not endemic to those regions - Travel/time expenses unrelated to medical care |
| Ownership & Identification | - No coverage if fraud, concealment, or misrepresentation - No coverage for pets not listed in declarations or without proof of ownership |
| Legal & Administrative | - Injuries from fighting, racing, or professional working use - War, quarantine, confiscation, public safety interventions - Costs due to failure to adhere to required annual health/dental checks and vaccinations |
| Death & Cremation | - Euthanasia and death from pre-existing conditions or behavioral causes - Death by illness in pets age 6 or older - After-death costs unless veterinarian mandated |
- Congenital and hereditary conditions with prior signs
- Behavioral disorders or congenital defects existing pre-coverage
- Chronic conditions excluded if first signs pre-coverage
- Specific knee injury exclusions (without knee certification)
- Intervertebral disc disease from prior injury
- Illness in pets under 6 weeks old
- Costs above “reasonable and customary” amounts
- Elective/cosmetic procedures (tail docking, ear cropping, declawing, etc.)
- Food and prescription diets
- Grooming
- Parasite preventives, routine deworming
- Boarding (unless due to owner’s qualifying hospitalization)
- Hydrotherapy not performed at medical facility
- House calls (except in emergencies)
- Phone consults (except emergencies)
- Travel/time expenses unrelated to medical care
- No coverage for pets not listed in declarations or without proof of ownership
- War, quarantine, confiscation, public safety interventions
- Costs due to failure to adhere to required annual health/dental checks and vaccinations
- Death by illness in pets age 6 or older
- After-death costs unless veterinarian mandated
Fetch Prices
Fetch positions itself as a competitive and digitally native pet insurer, achieving a balance between broad, feature-rich coverage and moderate pricing.
Monthly premiums tend to be mid-range for the U.S. market, reflecting extensive benefits such as exam fee inclusion, comprehensive dental, and behavioral therapy—features that typically increase costs in higher-tier plans elsewhere.
Fully digital administration helps reduce operational expenses, allowing Fetch to offer robust coverage and conveniences without the highest premiums.
Some customer feedback notes moderate premium increases after claims, but overall value remains high given the flexibility in deductible and coverage limits.
Fetch is therefore best suited for owners seeking strong, holistic protection and digital convenience at a fair, not premium, price point.
| Fetch Comprehensive (customizable) | |
|---|---|
| Young cat (2–4 years) | $18–$26/month |
| Senior cat (7–8 years) | $31–$43/month |
| Small breed dog | $25–$33/month |
| Small breed dog (2–4 years) | $23–$32/month |
| Large breed dog (2–4 years) | $37–$53/month |
| Senior dog (7–8 years) | $54–$69/month |
Compare the flexible plan options to find the best price and protection for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Promo Codes
| Fetch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Fetch Reimbursement Details
Fetch reimburses you up to 90% of eligible veterinary expenses on covered injuries, illnesses, and—if you select the wellness add-on—preventive care, after a deductible is applied, helping you keep your out-of-pocket costs predictable and manageable.
Emergency surgery for foreign object ingestion
Total vet costs: $2,200 (diagnostics, surgery, hospitalization, meds)
Deductible amount to subtract: $250 (annual deductible, highest-tier plan)
Eligible expenses after deductible: $2,200 – $250 = $1,950
Fetch reimburses 90% of $1,950 = $1,755
👉 You receive a reimbursement of $1,755. Your out-of-pocket cost is $445.
ℹ️ Deductible applies once per policy year, making reimbursement more generous for future claims within the same period.
Chronic Allergy Management Reimbursement
Chronic allergy management (vet visits, meds, diagnostics) Total vet costs: $750 Deductible already paid earlier in the policy year Fetch reimburses 90% of $750 = $675 👉 You receive a reimbursement of $675. Your out-of-pocket cost is $75. ℹ️ After your deductible is met, you pay only 10% coinsurance on subsequent covered treatments for the remainder of the year.
Annual wellness care with wellness add-on
Total vet costs: $290 (exam, core vaccines, blood work)
No deductible applies to wellness under add-on
Fetch reimburses 90% of $290 = $261
👉 You receive a reimbursement of $261. Your out-of-pocket cost is $29.
ℹ️ Preventive care is only reimbursed if you’ve selected and paid for the optional wellness package.
Fetch Assistance
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. No advance payment service; owners pay vet directly and are then reimbursed by Fetch. |
| Payment facilities | ❌ | N.C. No installment payment option for premiums is specified. |
| Mobile app | ✅ | iOS & Android app (4.7/5 stars); allows claims submission, tracking, and customer support. App UX praised by many users. |
| Paperless claims process | ✅ | Fully digital: submit and track claims online or through the app. Fast reimbursements, often by direct deposit. |
| Emergency vet service | ❌ | N.C. No dedicated 24/7 vet helpline or teleconsultation service provided. |
| Vet/clinic partner network | ❌ | N.C. No exclusive vet or clinic network; you can use any licensed vet in the US or Canada. |
| Coverage abroad | ✅ | Coverage valid in the US and Canada only; not available in other countries or for international travel. |
Customer Reviews of Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5/5 – 4,669 reviews |
| App Store (iOS) | 4.7/5 – Over 7,000 reviews |
| Google Play | 4.7/5 – Over 7,000 reviews |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Fetch for their pets often mention:
- ✅ An efficient and knowledgeable customer service team, with staff who provide thorough assistance both pre- and post-enrollment.
- ✅ A fast and simple claim process, frequently resulting in prompt reimbursements, sometimes within days.
- ✅ Comprehensive coverage that meets or exceeds expectations, including dental and behavior care, contributing to strong perceived value.
- ✅ A digital experience praised for ease of policy management, clear online submissions, and intuitive mobile apps.
- ✅ Transparency and detailed policy explanations are considered strong points during the subscription process.
On the negative side:
- Policyholders regularly cite increased premiums after submitting claims, sometimes described as steep or unexpected.
- Repeated or seemingly unnecessary documentation requests are a source of frustration during some claims.
- Occasional lack of clarity in claims explanations leads to extra calls or the need for further support.
- Some users report technical issues with app updates or feature changes.
- The annual deductible and policy exclusions for preventive care or certain chronic conditions disappoint a portion of customers.
Contacting Fetch
| Fetch Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via your Fetch account or the Fetch mobile app. Required: completed claim form, detailed vet invoice, and medical records if requested. Claims can also be mailed to: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306. Phone assistance: 1-866-467-3875. Average processing time: payment within 30 days of receiving complete documentation; faster with direct deposit. |
| To obtain a certificate of insurance | Request via your Fetch online account, through the Fetch mobile app, by email at [email protected], or by calling customer service at 1-866-467-3875. |
| To contact assistance | Phone: 1-866-467-3875 Email: [email protected] Postal address: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306. Support is available for claims, policy info, or help navigating services. |
| To cancel my policy | Contact Fetch by phone at 1-866-467-3875 or by email at [email protected]. If canceling within 30 days and no claims have been filed: full premium refund. After 30 days: prorated refund. Provide your policy number and written request; notice period or documentation may apply depending on the reason and timing of cancellation. |
Required: completed claim form, detailed vet invoice, and medical records if requested.
Claims can also be mailed to: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306.
Phone assistance: 1-866-467-3875.
Average processing time: payment within 30 days of receiving complete documentation; faster with direct deposit.
Email: [email protected]
Postal address: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306.
Support is available for claims, policy info, or help navigating services.
If canceling within 30 days and no claims have been filed: full premium refund.
After 30 days: prorated refund.
Provide your policy number and written request; notice period or documentation may apply depending on the reason and timing of cancellation.
FAQ
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch pet insurance you pay your veterinarian directly at the time of service, then submit your claim to Fetch for reimbursement once treatment is completed. Fetch does not currently offer an advance payment or third-party direct payment feature.
How do I cancel my pet insurance policy with Fetch?
You can cancel your Fetch policy at any time by calling customer service or sending a written request by email or mail. If you cancel within 30 days and have not made a claim, you’ll receive a full refund; after 30 days, a prorated refund applies. Be prepared to provide your policy number and a short written notice for the record.
What does Fetch pet insurance cover?
Fetch covers unexpected accidents and illnesses in dogs and cats, including hereditary conditions, dental disease, behavioral therapy, prescription medications, and diagnostics. You can visit any licensed vet in the US or Canada, and comprehensive coverage is included for both sick visits and emergencies. Routine preventative care is not covered unless you add a wellness plan.
Does Fetch pet insurance cover pre-existing conditions?
No, Fetch does not cover pre-existing conditions—these are illnesses, injuries, or symptoms that occurred or showed signs before your policy started or during the standard waiting period. However, some conditions may be covered again if deemed “curable” and symptom-free for a specified time period as explained in their policy.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your completed claim form, detailed invoice, and your pet’s medical history via the Fetch online portal or app. Claims are typically processed within 30 days once all necessary documents are received, and reimbursement can be sent directly to your bank account. You can also track your claim’s progress online.
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch pet insurance you pay your veterinarian directly at the time of service, then submit your claim to Fetch for reimbursement once treatment is completed. Fetch does not currently offer an advance payment or third-party direct payment feature.
How do I cancel my pet insurance policy with Fetch?
You can cancel your Fetch policy at any time by calling customer service or sending a written request by email or mail. If you cancel within 30 days and have not made a claim, you’ll receive a full refund; after 30 days, a prorated refund applies. Be prepared to provide your policy number and a short written notice for the record.
What does Fetch pet insurance cover?
Fetch covers unexpected accidents and illnesses in dogs and cats, including hereditary conditions, dental disease, behavioral therapy, prescription medications, and diagnostics. You can visit any licensed vet in the US or Canada, and comprehensive coverage is included for both sick visits and emergencies. Routine preventative care is not covered unless you add a wellness plan.
Does Fetch pet insurance cover pre-existing conditions?
No, Fetch does not cover pre-existing conditions—these are illnesses, injuries, or symptoms that occurred or showed signs before your policy started or during the standard waiting period. However, some conditions may be covered again if deemed “curable” and symptom-free for a specified time period as explained in their policy.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your completed claim form, detailed invoice, and your pet’s medical history via the Fetch online portal or app. Claims are typically processed within 30 days once all necessary documents are received, and reimbursement can be sent directly to your bank account. You can also track your claim’s progress online.
Ask a question, an expert will answer
Our expert's opinion on Fetch
Fetch Pet Insurance is a leading US provider known for its comprehensive coverage and flexible, digital-first plans for cats and dogs, combining accident/illness protection, dental care, behavioral therapy, and optional wellness add-ons in a clear and user-friendly policy. Fetch earns a 4.5/5 rating due to stand-out breadth of coverage—including sick visit exam fees, all adult teeth, alternative treatments, and behavioral care—with reimbursable rates up to 90%, adjustable deductibles, and customizable annual limits; its pricing is competitive, averaging around $35/month for dogs and $20/month for cats, with a strong focus on value compared to most rivals. Fetch is especially well-suited to pet owners seeking robust coverage for young pets, purebreds, or those desiring high reimbursement and flexibility, including routine and wellness care as an optional budget-friendly add-on. Underwritten by AXIS Insurance Company and managed by Fetch Insurance Services, the company demonstrates financial stability, trusted by over 450,000 owners, and boasts a 4.5/5 Trustpilot score from 4,669 reviews; most claims are handled quickly, with app/online submission and typical reimbursement within a few days to two weeks, well-regarded for transparent and prompt service despite some reports of premium increases after large claims.
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
- ❌Premiums may increase after claims
- ❌Pre-existing conditions excluded
- ❌Wellness/routine care requires add-on
- ❌Documentation may be requested repeatedly
- ❌No coverage for exotic pets
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
Our expert's opinion on Fetch
ScoreFetch Pet Insurance is a leading US provider known for its comprehensive coverage and flexible, digital-first plans for cats and dogs, combining accident/illness protection, dental care, behavioral therapy, and optional wellness add-ons in a clear and user-friendly policy. Fetch earns a 4.5/5 rating due to stand-out breadth of coverage—including sick visit exam fees, all adult teeth, alternative treatments, and behavioral care—with reimbursable rates up to 90%, adjustable deductibles, and customizable annual limits; its pricing is competitive, averaging around $35/month for dogs and $20/month for cats, with a strong focus on value compared to most rivals. Fetch is especially well-suited to pet owners seeking robust coverage for young pets, purebreds, or those desiring high reimbursement and flexibility, including routine and wellness care as an optional budget-friendly add-on. Underwritten by AXIS Insurance Company and managed by Fetch Insurance Services, the company demonstrates financial stability, trusted by over 450,000 owners, and boasts a 4.5/5 Trustpilot score from 4,669 reviews; most claims are handled quickly, with app/online submission and typical reimbursement within a few days to two weeks, well-regarded for transparent and prompt service despite some reports of premium increases after large claims.
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
- ❌Premiums may increase after claims
- ❌Pre-existing conditions excluded
- ❌Wellness/routine care requires add-on
- ❌Documentation may be requested repeatedly
- ❌No coverage for exotic pets
- ✅Comprehensive medical and dental coverage
- ✅Optional wellness/preventive add-on
- ✅Covers behavioral and breed-specific conditions
- ✅High reimbursement rates up to 90%
- ✅Fully digital, easy app/online claims
- ✅Fast payouts (often 2–14 days)
- ✅Excellent Trustpilot score (4.5/5, 4,669 reviews)
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, over a million people in the United States trust us each month to help guide their most important financial decisions.
Fetch Guarantees
Fetch stands out with one comprehensive and highly flexible plan for dogs and cats, offering coverage for a wide range of accidents, illnesses, dental treatment for every tooth, hereditary/breed-specific conditions, exam fees, medications, and much more.
You can choose a reimbursement rate up to 90%, annual limits, and deductible levels, as well as add an optional wellness/preventive package—which is rare for standard plans.
Key strengths include the breadth of dental coverage, alternative and behavioral therapies, and inclusion of exam fees; you can use any licensed vet in the U.S. or Canada, and claims are processed quickly.
However, like most insurers, Fetch excludes pre-existing conditions, routine/preventive care (unless you purchase wellness), and coverage is only available for dogs and cats—premiums may rise after claims according to customer feedback.
| Name of coverage | Fetch Comprehensive Plan |
|---|---|
| Plan positioning | One customizable, all-in-one plan |
| Type of coverage (accident, illness, both, etc.) | Accident & illness (wellness as add-on) |
| Animals covered (dogs, cats, other) | Dogs and cats only |
| Reimbursement rate (%) | 70%–90% (chosen by policyholder) |
| Annual reimbursement limit | $5,000–Unlimited (chosen by policyholder) |
| Deductible (annual or per claim) | $250–$1,000 (annual; customizable) |
| Age limits for enrollment (for dogs and cats) | 6 weeks minimum; no upper limit stated |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 5 days |
| Lifetime coverage once subscribed | ✅ (if policy continuously active) |
| Vet consultations (regular + emergency) | ✅ |
| Medications | ✅ (prescribed meds only) |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | ✅ (every adult tooth; most diseases, injuries) |
| Preventive care package (vaccines, etc.) | ✅ (with add-on) |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ (with vet recommendation; exclusions apply) |
| Travel coverage (countries included, duration) | ✅ U.S., Canada only (as of date) |
| Civil liability | ❌ |
| Euthanasia | ✅ (if medically recommended) |
| Death & cremation coverage | ✅ (death from covered accident/illness only) |
| Theft or loss of pet + search expenses | ✅ (advertising, reward, reimbursement) |
| Boarding fees (if owner is hospitalized) | ✅ (medical hospitalization, limits apply) |
Fetch Pet Insurance - Key Coverage Details
Fetch does not cover pre-existing conditions or routine/preventive care unless you select the wellness add-on. Dental coverage includes all teeth for disease and injury (best-in-class for U.S. plans). Claims must be submitted within 90 days of policy period end, and coverage requires annual health and dental exams. No coverage for exotic pets.
Compare plans and quote options before enrolling to make sure you get the coverage that best fits your pet and your budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Fetch Exclusions
| Exclusions | Details |
|---|---|
| Medical Exclusions | - Pre-existing conditions (diagnosed or showing symptoms prior to policy or during waiting periods) - Congenital and hereditary conditions with prior signs - Behavioral disorders or congenital defects existing pre-coverage - Chronic conditions excluded if first signs pre-coverage - Specific knee injury exclusions (without knee certification) - Intervertebral disc disease from prior injury - Illness in pets under 6 weeks old - Costs above “reasonable and customary” amounts - Elective/cosmetic procedures (tail docking, ear cropping, declawing, etc.) |
| Preventive & Routine Care | - Wellness exams, dental cleaning, vaccines, heartworm/flea/tick meds (unless wellness add-on purchased) - Food and prescription diets - Grooming - Parasite preventives, routine deworming |
| Treatment-Related | - Non-veterinarian and most alternative treatments (homeopathy, crystals, non-vet acupuncture, experimental methods) - Boarding (unless due to owner’s qualifying hospitalization) - Hydrotherapy not performed at medical facility - House calls (except in emergencies) - Phone consults (except emergencies) |
| Reproductive Exclusions | - Breeding, pregnancy, whelping, nursing costs (except covered complications after 15-day waiting period) |
| Geographic Exclusions | - Illness contracted outside US/Canada and not endemic to those regions - Travel/time expenses unrelated to medical care |
| Ownership & Identification | - No coverage if fraud, concealment, or misrepresentation - No coverage for pets not listed in declarations or without proof of ownership |
| Legal & Administrative | - Injuries from fighting, racing, or professional working use - War, quarantine, confiscation, public safety interventions - Costs due to failure to adhere to required annual health/dental checks and vaccinations |
| Death & Cremation | - Euthanasia and death from pre-existing conditions or behavioral causes - Death by illness in pets age 6 or older - After-death costs unless veterinarian mandated |
- Congenital and hereditary conditions with prior signs
- Behavioral disorders or congenital defects existing pre-coverage
- Chronic conditions excluded if first signs pre-coverage
- Specific knee injury exclusions (without knee certification)
- Intervertebral disc disease from prior injury
- Illness in pets under 6 weeks old
- Costs above “reasonable and customary” amounts
- Elective/cosmetic procedures (tail docking, ear cropping, declawing, etc.)
- Food and prescription diets
- Grooming
- Parasite preventives, routine deworming
- Boarding (unless due to owner’s qualifying hospitalization)
- Hydrotherapy not performed at medical facility
- House calls (except in emergencies)
- Phone consults (except emergencies)
- Travel/time expenses unrelated to medical care
- No coverage for pets not listed in declarations or without proof of ownership
- War, quarantine, confiscation, public safety interventions
- Costs due to failure to adhere to required annual health/dental checks and vaccinations
- Death by illness in pets age 6 or older
- After-death costs unless veterinarian mandated
Fetch Prices
Fetch positions itself as a competitive and digitally native pet insurer, achieving a balance between broad, feature-rich coverage and moderate pricing.
Monthly premiums tend to be mid-range for the U.S. market, reflecting extensive benefits such as exam fee inclusion, comprehensive dental, and behavioral therapy—features that typically increase costs in higher-tier plans elsewhere.
Fully digital administration helps reduce operational expenses, allowing Fetch to offer robust coverage and conveniences without the highest premiums.
Some customer feedback notes moderate premium increases after claims, but overall value remains high given the flexibility in deductible and coverage limits.
Fetch is therefore best suited for owners seeking strong, holistic protection and digital convenience at a fair, not premium, price point.
| Fetch Comprehensive (customizable) | |
|---|---|
| Young cat (2–4 years) | $18–$26/month |
| Senior cat (7–8 years) | $31–$43/month |
| Small breed dog | $25–$33/month |
| Small breed dog (2–4 years) | $23–$32/month |
| Large breed dog (2–4 years) | $37–$53/month |
| Senior dog (7–8 years) | $54–$69/month |
Compare the flexible plan options to find the best price and protection for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Promo Codes
| Fetch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Fetch Reimbursement Details
Fetch reimburses you up to 90% of eligible veterinary expenses on covered injuries, illnesses, and—if you select the wellness add-on—preventive care, after a deductible is applied, helping you keep your out-of-pocket costs predictable and manageable.
Emergency surgery for foreign object ingestion
Total vet costs: $2,200 (diagnostics, surgery, hospitalization, meds)
Deductible amount to subtract: $250 (annual deductible, highest-tier plan)
Eligible expenses after deductible: $2,200 – $250 = $1,950
Fetch reimburses 90% of $1,950 = $1,755
👉 You receive a reimbursement of $1,755. Your out-of-pocket cost is $445.
ℹ️ Deductible applies once per policy year, making reimbursement more generous for future claims within the same period.
Chronic Allergy Management Reimbursement
Chronic allergy management (vet visits, meds, diagnostics) Total vet costs: $750 Deductible already paid earlier in the policy year Fetch reimburses 90% of $750 = $675 👉 You receive a reimbursement of $675. Your out-of-pocket cost is $75. ℹ️ After your deductible is met, you pay only 10% coinsurance on subsequent covered treatments for the remainder of the year.
Annual wellness care with wellness add-on
Total vet costs: $290 (exam, core vaccines, blood work)
No deductible applies to wellness under add-on
Fetch reimburses 90% of $290 = $261
👉 You receive a reimbursement of $261. Your out-of-pocket cost is $29.
ℹ️ Preventive care is only reimbursed if you’ve selected and paid for the optional wellness package.
Fetch Assistance
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. No advance payment service; owners pay vet directly and are then reimbursed by Fetch. |
| Payment facilities | ❌ | N.C. No installment payment option for premiums is specified. |
| Mobile app | ✅ | iOS & Android app (4.7/5 stars); allows claims submission, tracking, and customer support. App UX praised by many users. |
| Paperless claims process | ✅ | Fully digital: submit and track claims online or through the app. Fast reimbursements, often by direct deposit. |
| Emergency vet service | ❌ | N.C. No dedicated 24/7 vet helpline or teleconsultation service provided. |
| Vet/clinic partner network | ❌ | N.C. No exclusive vet or clinic network; you can use any licensed vet in the US or Canada. |
| Coverage abroad | ✅ | Coverage valid in the US and Canada only; not available in other countries or for international travel. |
Customer Reviews of Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5/5 – 4,669 reviews |
| App Store (iOS) | 4.7/5 – Over 7,000 reviews |
| Google Play | 4.7/5 – Over 7,000 reviews |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Fetch for their pets often mention:
- ✅ An efficient and knowledgeable customer service team, with staff who provide thorough assistance both pre- and post-enrollment.
- ✅ A fast and simple claim process, frequently resulting in prompt reimbursements, sometimes within days.
- ✅ Comprehensive coverage that meets or exceeds expectations, including dental and behavior care, contributing to strong perceived value.
- ✅ A digital experience praised for ease of policy management, clear online submissions, and intuitive mobile apps.
- ✅ Transparency and detailed policy explanations are considered strong points during the subscription process.
On the negative side:
- Policyholders regularly cite increased premiums after submitting claims, sometimes described as steep or unexpected.
- Repeated or seemingly unnecessary documentation requests are a source of frustration during some claims.
- Occasional lack of clarity in claims explanations leads to extra calls or the need for further support.
- Some users report technical issues with app updates or feature changes.
- The annual deductible and policy exclusions for preventive care or certain chronic conditions disappoint a portion of customers.
Contacting Fetch
| Fetch Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim online via your Fetch account or the Fetch mobile app. Required: completed claim form, detailed vet invoice, and medical records if requested. Claims can also be mailed to: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306. Phone assistance: 1-866-467-3875. Average processing time: payment within 30 days of receiving complete documentation; faster with direct deposit. |
| To obtain a certificate of insurance | Request via your Fetch online account, through the Fetch mobile app, by email at [email protected], or by calling customer service at 1-866-467-3875. |
| To contact assistance | Phone: 1-866-467-3875 Email: [email protected] Postal address: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306. Support is available for claims, policy info, or help navigating services. |
| To cancel my policy | Contact Fetch by phone at 1-866-467-3875 or by email at [email protected]. If canceling within 30 days and no claims have been filed: full premium refund. After 30 days: prorated refund. Provide your policy number and written request; notice period or documentation may apply depending on the reason and timing of cancellation. |
Required: completed claim form, detailed vet invoice, and medical records if requested.
Claims can also be mailed to: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306.
Phone assistance: 1-866-467-3875.
Average processing time: payment within 30 days of receiving complete documentation; faster with direct deposit.
Email: [email protected]
Postal address: Fetch Insurance Services, LLC, 1208 Massillon Rd. Suite G 200, Akron, OH 44306.
Support is available for claims, policy info, or help navigating services.
If canceling within 30 days and no claims have been filed: full premium refund.
After 30 days: prorated refund.
Provide your policy number and written request; notice period or documentation may apply depending on the reason and timing of cancellation.
FAQ
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch pet insurance you pay your veterinarian directly at the time of service, then submit your claim to Fetch for reimbursement once treatment is completed. Fetch does not currently offer an advance payment or third-party direct payment feature.
How do I cancel my pet insurance policy with Fetch?
You can cancel your Fetch policy at any time by calling customer service or sending a written request by email or mail. If you cancel within 30 days and have not made a claim, you’ll receive a full refund; after 30 days, a prorated refund applies. Be prepared to provide your policy number and a short written notice for the record.
What does Fetch pet insurance cover?
Fetch covers unexpected accidents and illnesses in dogs and cats, including hereditary conditions, dental disease, behavioral therapy, prescription medications, and diagnostics. You can visit any licensed vet in the US or Canada, and comprehensive coverage is included for both sick visits and emergencies. Routine preventative care is not covered unless you add a wellness plan.
Does Fetch pet insurance cover pre-existing conditions?
No, Fetch does not cover pre-existing conditions—these are illnesses, injuries, or symptoms that occurred or showed signs before your policy started or during the standard waiting period. However, some conditions may be covered again if deemed “curable” and symptom-free for a specified time period as explained in their policy.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your completed claim form, detailed invoice, and your pet’s medical history via the Fetch online portal or app. Claims are typically processed within 30 days once all necessary documents are received, and reimbursement can be sent directly to your bank account. You can also track your claim’s progress online.
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch pet insurance you pay your veterinarian directly at the time of service, then submit your claim to Fetch for reimbursement once treatment is completed. Fetch does not currently offer an advance payment or third-party direct payment feature.
How do I cancel my pet insurance policy with Fetch?
You can cancel your Fetch policy at any time by calling customer service or sending a written request by email or mail. If you cancel within 30 days and have not made a claim, you’ll receive a full refund; after 30 days, a prorated refund applies. Be prepared to provide your policy number and a short written notice for the record.
What does Fetch pet insurance cover?
Fetch covers unexpected accidents and illnesses in dogs and cats, including hereditary conditions, dental disease, behavioral therapy, prescription medications, and diagnostics. You can visit any licensed vet in the US or Canada, and comprehensive coverage is included for both sick visits and emergencies. Routine preventative care is not covered unless you add a wellness plan.
Does Fetch pet insurance cover pre-existing conditions?
No, Fetch does not cover pre-existing conditions—these are illnesses, injuries, or symptoms that occurred or showed signs before your policy started or during the standard waiting period. However, some conditions may be covered again if deemed “curable” and symptom-free for a specified time period as explained in their policy.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your completed claim form, detailed invoice, and your pet’s medical history via the Fetch online portal or app. Claims are typically processed within 30 days once all necessary documents are received, and reimbursement can be sent directly to your bank account. You can also track your claim’s progress online.
