Fetch Pet Insurance Review 2025: Is It Worth It?
Our expert's opinion on Fetch
Fetch Pet Insurance centers on a single Accident & Illness plan that covers emergency care, surgery, imaging, lab tests, specialist consultations, boarding fees (with conditions), loss/theft, and alternative medicine when performed by a veterinarian.
Deductible tiers are visible in published pricing examples ($1,000, $500, $100) while reimbursement structures and annual maximums vary by selected options; routine wellness budgets are not part of the core plan, though a 24/7 online vet benefit is covered up to $1,000 per year as a sublimit.
Compared with major competitors, Fetch emphasizes broad A&I coverage, straightforward deductible choices and competitive pricing for younger pets, pairing strong 24/7 telehealth access with limited preventive care and modest transparency on explicit limits.
Best for owners of young to middle-aged dogs and cats who want robust accident and illness protection, value telehealth access, and accept exclusions for routine and preventive care.
Fetch is an established U.S. pet insurer with a Provider average rating of 4.2 and a Trustpilot score of 4.5/5 from 5,187 reviews; claims are submitted electronically and many customers report timely direct-deposit reimbursements, though some report claim denials for pre-existing conditions and occasional delays.
- ✅Comprehensive accident and illness coverage
- ✅24/7 online vet access up to $1,000
- ✅Flexible deductible tiers ($100, $500, $1,000)
- ✅Covers surgery, imaging, lab tests, specialists
- ✅Electronic claims submission and direct deposit
- ✅Includes boarding fees and loss/theft coverage
- ✅Alternative medicine if vet-performed
- ❌No routine preventive care or vaccinations
- ❌Pre-existing conditions excluded; denials reported
- ❌No clearly stated reimbursement rates or limits
- ❌Six-month cruciate waiting period unless waived
- ❌Potential annual premium increases at renewal
Score- ✅Comprehensive accident and illness coverage
- ✅24/7 online vet access up to $1,000
- ✅Flexible deductible tiers ($100, $500, $1,000)
- ✅Covers surgery, imaging, lab tests, specialists
- ✅Electronic claims submission and direct deposit
- ✅Includes boarding fees and loss/theft coverage
- ✅Alternative medicine if vet-performed
Our expert's opinion on Fetch
- ✅Comprehensive accident and illness coverage
- ✅24/7 online vet access up to $1,000
- ✅Flexible deductible tiers ($100, $500, $1,000)
- ✅Covers surgery, imaging, lab tests, specialists
- ✅Electronic claims submission and direct deposit
- ✅Includes boarding fees and loss/theft coverage
- ✅Alternative medicine if vet-performed
- ❌No routine preventive care or vaccinations
- ❌Pre-existing conditions excluded; denials reported
- ❌No clearly stated reimbursement rates or limits
- ❌Six-month cruciate waiting period unless waived
- ❌Potential annual premium increases at renewal
Score- ✅Comprehensive accident and illness coverage
- ✅24/7 online vet access up to $1,000
- ✅Flexible deductible tiers ($100, $500, $1,000)
- ✅Covers surgery, imaging, lab tests, specialists
- ✅Electronic claims submission and direct deposit
- ✅Includes boarding fees and loss/theft coverage
- ✅Alternative medicine if vet-performed
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Fetch Guarantees
Fetch offers a single accident and illness plan positioned as a balanced, comprehensive option for dogs and cats. The plan concentrates on unexpected veterinary care — emergency treatment, surgery, imaging, laboratory diagnostics and even radiotherapy — while providing a selection of deductible tiers to adjust premium levels.
Deductible choices are available at $1,000, $500 and $100, with premiums that vary by deductible. The product includes veterinary consultations and a 24/7 online vet benefit ("Fetch Online Vet powered by Vetster") covered up to $1,000 per year with no copay or deductible. Alternative therapies are covered when performed by a veterinarian.
Waiting periods are short for accidents and illnesses (5 days for accidents, 15 days for illnesses), with a specific six-month waiting period for cruciate ligament and related knee conditions that can be waived if a veterinary exam is completed within the first 30 days of coverage. Enrollment is available for dogs and cats from six weeks of age.
Strengths of the offering include broad acute-care coverage (including radiotherapy), a substantial telemedicine benefit, and coverage elements for boarding and loss/theft under specified conditions. Limitations include the absence of routine preventive coverage (vaccinations, parasite prevention, routine dental cleanings), restrictions on some alternative or complementary therapies unless administered by a veterinarian, and specific exclusions for pre-existing, congenital, or condition‑specific issues.
| Accident & Illness Plan | |
|---|---|
| Plan positioning | Balanced / comprehensive accident & illness plan |
| Type of coverage | Accident & illness |
| Animals covered | Dogs, cats |
| Reimbursement rate | NC |
| Annual reimbursement limit | NC |
| Deductible (annual or per claim) | $1,000; $500; $100 (pricing shown by deductible tier) |
| Age limits for enrollment | From 6 weeks (no maximum age specified) |
| Pre-enrollment health questionnaire | NC |
| Waiting periods (accident / illness) | 5 days / 15 days |
| Lifetime coverage | NC |
| Consultations | Yes (includes online vet benefit) |
| Medications | NC |
| Hospitalization | Yes |
| Surgery | Yes |
| Diagnostic tests | Yes (imaging, lab tests) |
| Dental care | No (preventive dental cleanings not covered) |
| Preventive care | No (vaccinations, parasite prevention not covered) |
| Alternative medicine | Yes (only if performed by a veterinarian) |
| Travel coverage | NC |
| Civil liability | NC |
| Euthanasia | Yes (with conditions) |
| Death & cremation coverage | Death: Yes (with conditions) / Cremation: No |
| Theft or loss + search expenses | Yes |
| Boarding fees | Yes (with conditions) |
Exclusions include pre-existing conditions (injuries or illnesses that occurred or showed clinical signs before the policy effective date or during waiting periods), preventive and routine care (vaccinations, routine exams, parasite prevention, dental prophylaxis), and many elective or breeding-related procedures (spaying/neutering, breeding, pregnancy, whelping, cosmetic surgeries). Intervertebral disc disease and certain orthopedic conditions are specifically limited where neighboring-disc or prior signs exist, and a six‑month waiting period applies to cruciate and other knee conditions unless a qualifying veterinary exam is provided early.
Other notable limitations are restrictions on therapies not performed by a veterinarian (holistic/homeopathic/acupuncture/chiropractic/etc.), exclusion of food and grooming items, and exclusions for injuries arising from racing, organized fighting, or professional use. End-of-life costs such as non‑medically necessary euthanasia, post‑mortem exams and cremation are not covered. Key practical considerations for purchasers include the plan’s limited preventive coverage, the orthopedic waiting-period rules (with a possible waiver condition), and the premium impact of choosing lower deductibles.
Fetch Exclusions
Fetch’s exclusions follow common market practice by excluding pre‑existing conditions and routine preventive care—vaccinations, parasite prevention, routine examinations, and dental prophylaxis are not covered.
A notable orthopedic rule applies: cruciate ligament and other knee conditions face a six‑month waiting period (which can be waived with a veterinarian exam within the first 30 days), and intervertebral disc disease or congenital defects are excluded if signs were present before coverage.
Non‑medical items and services—all food including prescription diets, grooming, and related supplies—are excluded, as are breeding‑related costs and elective cosmetic procedures; owner‑caused injury, persistent neglect, and activity‑related injuries from racing, commercial guarding, or organized fighting are also excluded.
End‑of‑life costs such as euthanasia (unless medically necessary), post‑mortem exams, and cremation are excluded, loss/theft coverage is limited under conditions, and pets under six weeks old are ineligible.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any injury or illness with clinical signs before the policy effective date or during waiting periodsConditions with prior signs (behavioral, dental, congenital) excluded if present before coverage |
| Preventive & routine care | VaccinationsPreventive parasite treatments (heartworm, fleas, ticks)Routine examinations and office visit feesDental prophylaxis (cleanings) |
| Orthopedic & specific waiting periods | 6‑month waiting period for cruciate ligament and other knee conditions (waivable with vet exam within 30 days)Intervertebral disc disease exclusion if neighboring disc previously affected |
| Dental & oral | Dental disease excluded if signs existed prior to coverageRoutine dental cleanings excluded |
| Nutrition & grooming | All food (including prescription diets) excludedGrooming, bathing, grooming supplies excluded |
| Behavioral & owner‑related exclusions | Behavioral disorders with pre‑existing signs excludedIntentional injury, abuse, or persistent neglect excludedFailure to follow veterinarian recommendations or required exams excluded |
| Breeding & cosmetic exclusions | Costs related to breeding, pregnancy, and whelping excludedElective procedures (tail docking, ear cropping, spaying/neutering when elective) excluded |
| Alternative & investigational therapies | Holistic, homeopathic, acupuncture, chiropractic, physical, and laser therapy not covered unless administered by a veterinarianExperimental or investigational treatments excluded |
| Age & eligibility | Pets under six (6) weeks old are not covered |
| Activities & occupational exclusions | Injuries from racing, commercial guarding, or organized fighting excluded |
| End‑of‑life & death exclusions | Euthanasia (unless medically necessary) excludedPost‑mortem exams and cremation excluded |
| Major events & catastrophic exclusions | Losses arising from war, invasion, or specified epidemics (e.g., Avian Influenza) excluded |
| Other limits | Limits on repeated foreign‑body removals and similar procedural limits; certain coverages (loss/theft, boarding, death) available only under specified conditions |
Fetch Prices
Fetch positions itself as a mid‑range insurer with premium‑tier flexibility: its pricing varies substantially with deductible choices, so selecting a lower deductible pushes the plan toward premium pricing while higher deductibles create more entry‑level monthly costs.
Reimbursement rate specifics and annual limit choices directly influence competitiveness because they determine out‑of‑pocket exposure; Fetch’s multiple deductible options let owners trade monthly premium for lower per‑claim cost.
Key differentiators supporting its price positioning include a digitally streamlined customer experience (online claims and fast reimbursements) and integrated telehealth access with a sublimit for 24/7 virtual vet consultations, which can justify higher premiums versus traditional carriers that rely more on broker networks and legacy processes.
Compared with more traditional players, Fetch tends to compete on convenience and added digital services, aligning its cost structure to customers who value rapid, app‑based interactions and telehealth access rather than purely the lowest monthly premium.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident & Illness Plan |
|---|---|
| Dog Labrador 1 year | $127.16 / $219.94 / $393.51 (Deductible $1,000 / $500 / $100) |
| Dog Labrador 3 years | $152.46 / $264.77 / $474.89 (Deductible $1,000 / $500 / $100) |
| Dog Labrador 7 years | $223.31 / $390.31 / $702.75 (Deductible $1,000 / $500 / $100) |
| Dog Australian Shepherd 1 year | $116.23 / $200.58 / $412.78 (Deductible $1,000 / $500 / $100) |
| Dog Australian Shepherd 3 years | $139.23 / $241.33 / $432.35 (Deductible $1,000 / $500 / $100) |
| Dog Australian Shepherd 7 years | $203.64 / $355.46 / $639.50 (Deductible $1,000 / $500 / $100) |
| Dog French Bulldog 1 year | $188.65 / $328.90 / $591.29 (Deductible $1,000 / $500 / $100) |
| Dog French Bulldog 3 years | $226.90 / $396.67 / $714.30 (Deductible $1,000 / $500 / $100) |
| Dog French Bulldog 7 years | $334.00 / $586.44 / $1,058.74 (Deductible $1,000 / $500 / $100) |
| Cat European Shorthair 1 year | $57.41 / $96.35 / $169.19 (Deductible $1,000 / $500 / $100) |
| Cat European Shorthair 3 years | $68.26 / $115.57 / $204.08 (Deductible $1,000 / $500 / $100) |
| Cat European Shorthair 7 years | $99.72 / $171.31 / $305.25 (Deductible $1,000 / $500 / $100) |
| Cat Maine Coon 1 year | $64.25 / $108.47 / $191.21 (Deductible $1,000 / $500 / $100) |
| Cat Maine Coon 3 years | $76.57 / $130.30 / $230.83 (Deductible $1,000 / $500 / $100) |
| Cat Maine Coon 7 years | $112.30 / $193.61 / $345.73 (Deductible $1,000 / $500 / $100) |
| Cat British Shorthair 1 year | $61.63 / $103.82 / $182.76 (Deductible $1,000 / $500 / $100) |
| Cat British Shorthair 3 years | $73.38 / $124.65 / $220.57 (Deductible $1,000 / $500 / $100) |
| Cat British Shorthair 7 years | $107.47 / $185.06 / $330.20 (Deductible $1,000 / $500 / $100) |
Fetch 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.
How much will I be reimbursed with Fetch?
Fetch reimburses eligible vet bills after your annual deductible is met, paying a percentage (coinsurance) of the remaining eligible costs.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $250 (consultation + topical medication)
Deductible amount to subtract: $100 (annual deductible, first expense of the year)
Amount reimbursable after deductible with the highest-tier configuration: $250 − $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
👉 You receive a reimbursement of $135.
ℹ️ *The deductible applies once per policy year; future eligible claims that year are not subject to the deductible again.*
✅ Example 2: Emergency ACL surgery (cranial cruciate ligament repair)
Total vet costs: $6,500 (surgery, anesthesia, imaging, hospitalization, medications)
Deductible already met earlier in the year: $0 to subtract
Amount reimbursed at 90% with the highest-tier configuration: $6,500 × 90% = $5,850
Remaining out-of-pocket cost: $6,500 − $5,850 = $650
👉 You receive a reimbursement of $5,850.
ℹ️ *Some orthopedic conditions have specific waiting periods or eligibility rules; reimbursements count toward any annual coverage limit.*
✅ Example 3: Emergency hospitalization and intestinal surgery (foreign body)
Total vet costs: $12,000 (ICU care, surgery, imaging, lab work, meds)
Deductible amount to subtract: $100 (deductible not yet met this year)
Amount reimbursable after deductible: $12,000 − $100 = $11,900
90% of that amount reimbursed: $11,900 × 90% = $10,710
Remaining out-of-pocket cost: $12,000 − $10,710 = $1,290
👉 You receive a reimbursement of $10,710.
ℹ️ *If your plan has an annual coverage cap, total reimbursements in the policy year cannot exceed that cap; any eligible costs above the cap remain your responsibility.*
Fetch Assistance
Fetch’s assistance is notable for providing 24/7 access to veterinary telemedicine through Vetster with a defined annual sublimit, which is highly valuable for urgent triage and quick clinical guidance.
Paperless claims and electronic reimbursements via direct deposit are available and commonly praised by customers, reducing the time between claim submission and payment.
Conditional boarding fee coverage and lifetime renewal options add practical support for long‑term care planning, but the absence of a clearly advertised advance payment option can require owners to pay substantial bills upfront.
There is no prominent public indication of a dedicated partner clinic network or standardized international coverage, which may limit logistical support during travel or in emergencies away from home.
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | N.C. | N.C. |
| Paperless claims process | ✅ | Electronic claims submission via online portal. Direct deposit reimbursements and a streamlined digital workflow reduce wait times. |
| Emergency vet service | ✅ | 24/7 Fetch Online Vet powered by Vetster. Telemedicine covered up to $1,000 per year with no copay or deductible up to the sublimit. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Direct deposit reimbursements and a streamlined digital workflow reduce wait times.
Telemedicine covered up to $1,000 per year with no copay or deductible up to the sublimit.
Customer Reviews on Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5/5 (5,187 reviews) |
Notes and reviews by platform
Customers most often praise Fetch for personable and knowledgeable representatives who guide policy selection, and many emphasize that submitting claims is straightforward with timely reimbursements and clear communication. The availability of an online 24/7 vet service (Fetch Online Vet powered by Vetster) and supportive agents named in reviews are frequently cited as added‑value features that ease decision‑making during vet visits and emergencies.
At the same time, several reviewers report denials linked to pre‑existing conditions and note that overturning decisions on appeal can be challenging, which leaves some customers frustrated when coverage expectations are not met. Others describe occasional delays in reimbursement, along with concerns about premium increases at renewal and confusion in renewal or billing communications.
Here are some examples of customer reviews:
- G. — 03/09/2025 — I was thoroughly impressed with Justin! He was very knowledgeable and helpful... He explained various options and I chose the best one that fits my cat’s needs.
- A.K. — 21/07/2025 — I was looking for best insurance for my cat... Carla Stevens attended my call and answered all my questions... I was convinced that Fetch would be the best insurance for my cat.
- F. — 30/08/2025 — Six months ago I called to cancel my dog’s policy... my beloved boy Oliver had health problems fast approaching... Fetch is a godsend!
Contact 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. N.C. |
| To request and track a reimbursement | Submit claims electronically through the online claims submission process. Required documents: N.C. Claim tracking: N.C. Reimbursement method: customer feedback indicates reimbursements and refunds are often handled via direct deposit; specific payment options are N.C. Deadlines for claim submission: N.C. |
| To obtain a certificate of insurance | Request process: N.C. Available channels to request a certificate: N.C. Information required to issue a certificate: N.C. |
| To contact assistance | Phone: 1-866-467-3875. Claims submission: online claims submission process. Appeals: must be made in writing within 90 days of a denial. Email, postal address, member portal access, and other contact channels: N.C. |
| To cancel my policy | Cancellation procedure: N.C. Required information to process a cancellation: N.C. Notice periods and refund conditions on cancellation: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Fetch?
You generally pay the veterinary bill directly to the clinic at the time of service.
Submit your claim using Fetch’s online claims submission process to request reimbursement.
Reimbursements are commonly issued by direct deposit or the payment method set in your account.
If your clinic offers third‑party billing, confirm availability with Fetch and the clinic before treatment.
How do I cancel my pet insurance policy with Fetch?
To cancel, contact Fetch customer service by phone (1‑866‑467‑3875) or via the member portal/app.
Provide your policy number, insured pet’s name, and the desired cancellation effective date.
A written cancellation request may be required and can usually be uploaded in the portal or sent by mail/email if requested.
Refunds or prorated premium rules and any notice periods vary by policy; contact customer service for the specifics.
What are the waiting periods for accident and illness coverage?
Fetch applies a 5‑day waiting period for accidents and a 15‑day waiting period for illnesses from the policy effective date.
Certain conditions, such as cruciate ligament or knee issues, commonly have a longer waiting period (often six months) unless a vet exam within a set timeframe waives it.
Claims for signs or treatment that began during a waiting period are likely to be considered pre‑existing and denied.
Always check the exact waiting periods shown on your policy declarations.
How are reimbursements calculated and paid?
Fetch reimburses eligible expenses after any annual deductible is applied and according to your selected reimbursement percentage.
Your chosen deductible, reimbursement rate, and annual limit determine the final payout; consult your policy declarations for exact figures.
Reimbursements are typically paid by direct deposit and processing times can vary depending on documentation and review.
Submit itemized invoices and medical records to speed processing and reduce the chance of follow‑up requests.
What conditions or costs are commonly excluded?
Pre‑existing conditions—those with signs, diagnosis, or treatment before coverage or during waiting periods—are excluded.
Routine preventive care, grooming, elective surgeries, food, and most supplements are generally not covered unless you add a specific wellness rider.
Behavioral issues, congenital defects, and injuries from racing or commercial activities may be limited or excluded.
Review the exclusions on your declarations and policy documents before enrolling to confirm covered items.
Does Fetch offer 24/7 vet support and what does it cover?
Fetch provides an online vet service powered by Vetster, available 24/7 for telehealth consultations.
This service is covered up to a defined sublimit (typically $1,000 per year) with no copay or deductible up to the sublimit.
It’s intended for clinical advice, triage, and guidance, not for replacing in‑person urgent care when needed.
Check your plan details and the app for access instructions and any applicable sublimits.
Do I have to pay upfront for veterinary fees with Fetch?
You generally pay the veterinary bill directly to the clinic at the time of service.
Submit your claim using Fetch’s online claims submission process to request reimbursement.
Reimbursements are commonly issued by direct deposit or the payment method set in your account.
If your clinic offers third‑party billing, confirm availability with Fetch and the clinic before treatment.
How do I cancel my pet insurance policy with Fetch?
To cancel, contact Fetch customer service by phone (1‑866‑467‑3875) or via the member portal/app.
Provide your policy number, insured pet’s name, and the desired cancellation effective date.
A written cancellation request may be required and can usually be uploaded in the portal or sent by mail/email if requested.
Refunds or prorated premium rules and any notice periods vary by policy; contact customer service for the specifics.
What are the waiting periods for accident and illness coverage?
Fetch applies a 5‑day waiting period for accidents and a 15‑day waiting period for illnesses from the policy effective date.
Certain conditions, such as cruciate ligament or knee issues, commonly have a longer waiting period (often six months) unless a vet exam within a set timeframe waives it.
Claims for signs or treatment that began during a waiting period are likely to be considered pre‑existing and denied.
Always check the exact waiting periods shown on your policy declarations.
How are reimbursements calculated and paid?
Fetch reimburses eligible expenses after any annual deductible is applied and according to your selected reimbursement percentage.
Your chosen deductible, reimbursement rate, and annual limit determine the final payout; consult your policy declarations for exact figures.
Reimbursements are typically paid by direct deposit and processing times can vary depending on documentation and review.
Submit itemized invoices and medical records to speed processing and reduce the chance of follow‑up requests.
What conditions or costs are commonly excluded?
Pre‑existing conditions—those with signs, diagnosis, or treatment before coverage or during waiting periods—are excluded.
Routine preventive care, grooming, elective surgeries, food, and most supplements are generally not covered unless you add a specific wellness rider.
Behavioral issues, congenital defects, and injuries from racing or commercial activities may be limited or excluded.
Review the exclusions on your declarations and policy documents before enrolling to confirm covered items.
Does Fetch offer 24/7 vet support and what does it cover?
Fetch provides an online vet service powered by Vetster, available 24/7 for telehealth consultations.
This service is covered up to a defined sublimit (typically $1,000 per year) with no copay or deductible up to the sublimit.
It’s intended for clinical advice, triage, and guidance, not for replacing in‑person urgent care when needed.
Check your plan details and the app for access instructions and any applicable sublimits.
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