Is Fetch Pet Insurance Worth It? Review 2025
Our Expert's Review of Fetch
Fetch Pet Insurance stands out as one of the most comprehensive pet health insurance providers in the US and Canada, offering a single, highly inclusive plan covering both dogs and cats. The policy includes up to 90% reimbursement of eligible veterinary bills, a broad annual cap tailored at sign-up, and a co-pay/deductible system standard for the US market. Notably, Fetch covers illness, accidents, behavioral therapy, telehealth, and advanced dental procedures for every adult tooth—a rarity compared to many competitors. The lack of restrictive sub-limits on heritable or breed-specific conditions and inclusion of holistic treatments reinforce Fetch’s unique market positioning, with average monthly rates around $35 for dogs and $20 for cats, prices generally in line with premium plans. Its flexibility makes it especially suitable for purebreds, animals prone to breed-specific illnesses, senior pets, and those whose owners desire top-tier reimbursements and fewer exclusions. Managed by Fetch Insurance Services, LLC and underwritten by AXIS Insurance Company, the insurer covers over 450,000 pets, earning a solid reputation for financial stability and claims reliability. Fetch boasts a strong Trustpilot score of 4.5/5 from 4,663+ reviews, with most claims settled within days via a user-friendly app. The company is widely recognized for service responsiveness and innovation, although some policyholders report increased premiums after large claims.
- Up to 90% reimbursement of eligible bills
- All adult teeth and dental illnesses covered
- Covers breed-specific, hereditary, and chronic conditions
- Includes behavioral therapy and telehealth
- Fast digital claims, possible 2-day payout
- Available from 6 weeks old, no upper age limit
- High customer satisfaction, 4.5/5 Trustpilot score
- No coverage for pre-existing or preventive care
- Premium increases reported after claims
- One plan only, few customization options
- Routine checkups and vaccines not included without wellness add-on
- Strict annual vet check and record requirements
- Fetch Guarantees
- Fetch Exclusions
- Fetch Pricing
- Fetch Assistance
- Customer feedback on Fetch
- How to contact Fetch?
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available on the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users in the US trust us each month to help guide them through their most important financial decisions.
Fetch Guarantees
Fetch offers a single, highly comprehensive pet insurance plan for dogs and cats, focused on covering illness, accidents, dental care, hereditary conditions, diagnostics, and behavioral treatments, with optional wellness/preventive benefits available as add-ons. The reimbursement rate is customizable up to 90%, with personalized annual deductible and annual payout limit set at enrollment; care is eligible with any licensed vet in the US or Canada. Fetch differentiates itself by including dental for all teeth, behavioral consults, advanced diagnostics, holistic therapies, coverage for breed-specific illnesses, and no upper age limit for enrollment, which is rare in the market. Major strengths include very broad scope of benefits, rapid digital claims, and strong customer satisfaction; however, routine/preventive care (vaccines, wellness visits) is not included except as an extra, and there are standard exclusions such as pre-existing conditions and preventive/routine costs outside the wellness rider. Notably, Fetch imposes strict medical record and annual checkup requirements for maintaining certain coverages, and price increases after claims can occur.
| Guarantee name | Fetch (Unique plan) |
|---|---|
| Formula positioning | "All-in-one" comprehensive, customizable with wellness optionally added |
| Type of coverage | Illness, accident, hereditary & behavioral, dental (comprehensive); wellness optional |
| Covered animals | Dogs and cats (over 6 weeks old) |
| Reimbursement rate (%) | Up to 90% (choice at enrollment) |
| Annual payout limit | Customizable, most select $5,000–$15,000; can be higher at signup |
| Deductible (annual/per incident) | Annual, customized ($250–$500 typical); selected at enrollment |
| Min/max age for enrollment | Dogs: from 6 weeks, no max / Cats: from 6 weeks, no max |
| Health questionnaire needed? | Full prior veterinary records may be required, especially at signup or claim |
| Waiting period for illness | 15 days |
| Waiting period for accident | 5 days |
| Lifetime continuation if insured | Yes, as long as policy is continuous and premium paid |
| Vet visits (routine, urgent, specialty) | Covered when related to accident/illness; wellness visits covered if wellness rider chosen |
| Drugs/medications | Covered if prescribed for covered accident/illness |
| Hospitalization | Covered for accidents, illness |
| Ambulance fees | Covered if medically necessary |
| Surgery, anesthesia | Covered for covered illness/accident |
| CT, MRI, ultrasound | Covered under accident/illness |
| Lab tests/analyses | Covered for diagnosis/treatment of covered condition |
| Radiation therapy | Covered |
| Dental care | Every adult tooth included if related to illness, accident (excluding preventive cleanings) |
| Descaling/cleaning | Only with wellness add-on |
| Preventive/wellness allowance | Available as optional wellness add-on: covers exams, vaccinations, cleanings, spay/neuter, flea/tick, routine screens |
| Alternative therapies (osteo, acupuncture, etc.) | Covered for accident/illness (acupuncture, chiropractic, physiotherapy) |
| Prescription diets | Not covered |
| Covered countries / travel | US and Canada; any licensed vet |
| Death/cremation | Covered for eligible accident or illness deaths, subject to schedule |
| Euthanasia | Covered if medically necessary and on vet recommendation |
| Theft/loss and search costs | Covered up to purchase/adoption price (evidence required, conditions apply) |
| Boarding/kennel fees | Covered if owner is hospitalized for >4 days (exclusions: maternity/addiction/hospitalization unrelated to accident/illness) |
Good to know
- Preventive and wellness care (vaccines, routine checkups, dental cleanings) are only covered if the optional wellness package is purchased.
- All reimbursement rates, deductibles, and annual maximums are chosen by each customer at signup (see policy schedule/Declarations Page).
- Pre-existing conditions (those diagnosed/symptomatic before or during the waiting period) are never covered.
- Strict annual checkup and dental exam requirements apply to maintain certain benefits—missing them may void related coverage.
- Claims must generally be submitted within 90 days of policy year-end and may require full medical history for validity.
- No coverage for food, even if prescription, nor breeding, pregnancy, elective/cosmetic procedures, or injuries from excluded risk activities.
- No separate formulas—one plan, customizable within the allowed options, plus optional wellness/preventive package.
Fetch Exclusions
Fetch excludes any claim relating to pre-existing conditions, including those which manifest during waiting periods (15 days for illness, 5 days for accident), with a particularly strict approach to recurrence and to specific joint issues (e.g. cruciate ligaments and luxations if signs appear within the first 6 months without a prior knee certificate).
No costs are covered outside the insured period, for animals under 6 weeks of age, or for medical expenses that exceed annual benefit limits set at policy inception; coverage ceases if policyholder-mandated veterinary examinations are not performed on time or records are incomplete.
Notably excluded are non-endemic diseases acquired outside the US/Canada, dental or behavioral disorders present before coverage starts, and costs linked to reproduction (except complications 15+ days after enrollment), as well as feeding—even if veterinarian-prescribed.
Routine wellness and preventive care (such as vaccinations, dental cleaning, parasite control, health checks), as well as non-veterinary and elective procedures (e.g. cloning, aesthetic treatments, alternative therapies not deemed necessary by a veterinarian), are always excluded from reimbursement.
Incidents resulting from negligence, failure to follow medical advice, professional working or racing animals, intentional relinquishing, regulatory confiscation, war, or public health actions (e.g. quarantine) are also strictly excluded.
| Exclusions | Details |
|---|---|
| Medical/pre-existing conditions | - Pre-existing illnesses or injuries, including signs or symptoms before policy start or during waiting periods - Congenital conditions manifested prior to or during waiting period - Behavioral and dental conditions present before policy start or during waiting period - Recurrence or bilateral joint problems (e.g. knees/ligament/luxation) triggered within first 6 months unless certified clear - Intervertebral disc disease existing before or within waiting period - Diseases in animals under 6 weeks old - Cancer/illness-related deaths in animals aged 6+ years - Euthanasia unless veterinarian-recommended |
| Wellness/preventive care | - Vaccinations and routine boosters - Annual health and dental checks - Preventive treatments (flea, tick, worming, prophylaxis) - Routine dental cleaning - Food and dietary supplements (even if prescribed) - Spaying/neutering (if not part of paid wellness add-on) |
| Non-veterinary or non-essential care | - Homeopathy, acupuncture, osteopathy, or other alternative therapies unless strictly veterinary-necessary - Cosmetic/Elective procedures - Cloning and experimental treatments - Boarding, transport, or hotel costs unless medically urgent for hospitalized owner - Behavioral euthanasia or emotionally desired euthanasia |
| Geographic/policy-period limitations | - Conditions/illnesses contracted outside the US/Canada if not endemic - Treatment received outside insured period - Claims filed after specified deadlines |
| Breeding, pregnancy, and related | - Reproduction, gestation, breeding, whelping/birth (except complications >15 days post-enrollment) - Offspring/babies (not insured unless individually enrolled) |
| Owner's legal/contractual obligations | - Failure to complete mandatory veterinary exams before or after enrollment deadlines - Not providing full medical history or prompt notice of symptoms - Deliberate non-compliance with medical/veterinary advice - Fraud/false declarations |
| Activities, status, or legal exclusion | - Racing, professional work, security, or hunting activities - Incidents while animal is voluntarily given away or sold - Loss/theft if policyholder or close relation is complicit (even if deceived) - Seizures/confiscations by authorities, public health or legal quarantines, war or civil disturbances - Damages caused intentionally or by gross negligence |
- Congenital conditions manifested prior to or during waiting period
- Behavioral and dental conditions present before policy start or during waiting period
- Recurrence or bilateral joint problems (e.g. knees/ligament/luxation) triggered within first 6 months unless certified clear
- Intervertebral disc disease existing before or within waiting period
- Diseases in animals under 6 weeks old
- Cancer/illness-related deaths in animals aged 6+ years
- Euthanasia unless veterinarian-recommended
- Annual health and dental checks
- Preventive treatments (flea, tick, worming, prophylaxis)
- Routine dental cleaning
- Food and dietary supplements (even if prescribed)
- Spaying/neutering (if not part of paid wellness add-on)
- Cosmetic/Elective procedures
- Cloning and experimental treatments
- Boarding, transport, or hotel costs unless medically urgent for hospitalized owner
- Behavioral euthanasia or emotionally desired euthanasia
- Treatment received outside insured period
- Claims filed after specified deadlines
- Offspring/babies (not insured unless individually enrolled)
- Not providing full medical history or prompt notice of symptoms
- Deliberate non-compliance with medical/veterinary advice
- Fraud/false declarations
- Incidents while animal is voluntarily given away or sold
- Loss/theft if policyholder or close relation is complicit (even if deceived)
- Seizures/confiscations by authorities, public health or legal quarantines, war or civil disturbances
- Damages caused intentionally or by gross negligence
Fetch Pricing
Fetch adopts a premium positioning on the US pet insurance market with a uniquely comprehensive plan: high reimbursement rates (up to 90%), broad coverage (including dental, behavioral, hereditary, telehealth, and exam fees), and minimal exclusions set it apart from typical offerings. This level of protection generally leads to above-average monthly premiums compared to more basic or modular competitors, but the value proposition is strong for owners seeking maximal risk transfer. Fetch operates as a digital-first pure player, leveraging technology to streamline claims and policy management, which helps optimize operating costs and improve customer experience despite the high coverage ceiling. Its price is thus justified by the breadth of benefits and flexibility, but it remains more expensive than economic or “essentials only” plans, especially for older pets or certain breeds. In summary, Fetch can be described as “expensive but complete,” mainly targeting owners looking for top-tier and predictable protection rather than price-sensitive profiles.
Compare Fetch’s premium with other players before enrollment to ensure you find the best price-to-coverage ratio for your pet’s needs.
| Unique Fetch Plan | |
|---|---|
| Estimated monthly premium | |
| Cat young (2–4y) | $20–25/mo |
| Cat senior (7–8y) | $28–40/mo |
| Small breed dog | $32–38/mo |
| Small breed dog (2–4y) | $30–35/mo |
| Large breed dog (2–4y) | $38–45/mo |
| Senior dog (7–8y) | $50–65/mo |
Fetch promo codes
| Fetch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | 5% off your quote |
Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance providers.
How much will I be reimbursed with Fetch?
| Type de soin | Prix moyen (US) | Remboursement Fetch (plan accident/maladie, 90%) | Reste à charge (hors franchise) | Remboursement Fetch Option Bien-Être (prévention) | Reste à charge Option Bien-Être (hors franchise) |
|---|---|---|---|---|---|
| Neutering / Spaying | $300 | Not covered (preventive/routine not included) | $300 | Reimbursed $300 Out-of-pocket: $0 | $0 |
| Annual vaccines | $100 | Not covered (preventive/routine not included) | $100 | Reimbursed $100 Out-of-pocket: $0 | $0 |
| Sick vet consultation | $120 | Reimbursed $108 Out-of-pocket: $12 | $12 | Not covered | $120 |
| Dental extraction after infection | $800 | Reimbursed $720 Out-of-pocket: $80 | $80 | Not covered | $800 |
| Fracture (emergency, surgery) | $2,500 | Reimbursed $2,250 Out-of-pocket: $250 | $250 | Not covered | $2,500 |
Out-of-pocket: $0
Out-of-pocket: $0
Out-of-pocket: $12
Out-of-pocket: $80
Out-of-pocket: $250
Important assumptions
- The standard Fetch plan covers accident/illness at 90% (after deductible, not included here).
- Preventive/routine procedures (spaying, vaccines): only covered by the Wellness Option.
- Out-of-pocket = non-reimbursed prescription portion (excluding annual deductible).
- Amounts are indicative (US average prices).
Fetch Assistance
Fetch provides a fully digital refund process through its well-rated mobile app (4.7/5 on both iOS and Android), allowing claims to be managed quickly, but does not offer any direct payment (advance of fees) to veterinarians, which can leave policyholders with significant expenses upfront.
The absence of in-house payment facility partners like CareCredit, or interest-free payment splitting, is notable compared to certain competitors.
The app is recognized for its user experience, allowing document submission, claim tracking and real-time updates, but some users note occasional issues with document uploads or data modification.
No emergency hotline or pre-arranged veterinary network is offered, but coverage applies at any licensed vet or clinic in the US and Canada, ensuring broad access while lacking coordinated emergency support or partner rate advantages.
Coverage abroad is strictly limited to the US and Canada, with no reimbursement possible elsewhere, which may be restrictive for owners traveling internationally.
| Assistance Fetch | Disponible ? | Détails |
|---|---|---|
| Advance of fees | ❌ | Fetch does not offer direct-to-vet payment or advance of fees. Policyholders pay the vet and claim reimbursement via app or web. |
| Payment facilities | ❌ | No mention of interest-free installments or payment splitting options for insurance premiums or vet bills. |
| Mobile app | ✅ | iOS/Android app rated 4.7/5. Enables claim submission, claim tracking, access to documents, and customer support. UX is praised, though some users report minor upload issues. |
| Digital claim handling | ✅ | Claims and document submission fully digital via app or website. Standard processing time, with the possibility of 2-day payout via direct deposit. |
| Veterinary emergency service | ❌ | No emergency hotline or Fetch-organized 24/7 telemedicine. Vet teleconsults or emergencies are covered if performed by any licensed US/CA vet, but not coordinated by Fetch. |
| Clinic or vet network | ❌ | No Fetch partner network. Coverage applies at any licensed vet/clinic in US and Canada. No negotiated rates or prearranged services. |
| Coverage abroad | ❌ | Policy valid only in the US and Canada. No coverage or reimbursement for care provided elsewhere, even temporarily. |
Customer feedback on Fetch
| Review Site | Score and Number of Reviews |
|---|---|
| Trustpilot | 4.5/5 (4,663 reviews) |
| App Store + Google Play | 4.7/5 (7,000+ 5-star app reviews) |
| Internal Fetch Website Testimonials | 450,000+ pets insured (indirect client volume) |
We have analyzed the reviews from the sites listed above. On the positive side, pet owners who have enrolled with Fetch commonly mention:
- A highly effective and responsive customer service: clients often emphasize the professionalism, friendliness, and empathy shown when dealing with policy questions or claims, as well as clear and non-pushy advice throughout their interactions.
- Fast and straightforward reimbursement process: the claims process is widely described as simple and user-friendly, both online and through the app, with numerous reports of prompt payments, often within just a few days.
- A very comprehensive and transparent coverage: the policy is praised for including medical expenses that are typically excluded elsewhere—such as routine illness exams, dental treatments for every adult tooth, breed-specific hereditary conditions, and behavioral therapies—without hidden fees or excessive fine print.
- Excellent digital experience: the mobile app is well-rated for its ease of use, clarity of information, and smooth claims submission process, contributing to the overall satisfaction of tech-savvy pet owners.
- Appreciated flexibility and perks: the ability to visit any veterinarian in the US or Canada, coupled with value-added perks (like Fetch Health Perks for additional savings), enhances perceived value and convenience for policyholders.
On the negative side:
- Noticeable premium increases following claims: several clients report that their monthly premium rose significantly after submitting a claim, causing frustration—sometimes with increases as high as triple the original amount in subsequent renewals.
- Occasional technical or process issues: a few reviewers mention difficulties with editing app information (such as changing the name), unclear document status, or needing to resubmit paperwork, which can delay claim processing.
- Strict exclusions and waiting periods: as is standard in pet insurance, some customers are disappointed by exclusions for pre-existing conditions or by the 15-day waiting period for illness, especially where early claims are denied on these grounds.
- Option-based wellness/preventive care: the core plan does not include preventive care (e.g., vaccines, annual check-ups), which must be added and paid for separately, causing confusion or disappointment if not clearly understood at sign-up.
- Frustration with documentation requirements: a minority of customers note that claims may sometimes be delayed or denied if full previous medical history or properly completed forms are not supplied promptly.
How to contact Fetch?
| Service client Fetch | Détails |
|---|---|
| To get a quote or apply online | You can use the HelloSafe pet insurance comparison tool, choose the plan that fits your needs, and click to get a quote. For direct Fetch quotes and enrollment, go to fetchpet.com. |
| To request and track a reimbursement | Submit your claim directly via the Fetch mobile app or through your online Fetch account. Upload the completed claim form along with copies of your paid vet invoice(s), and any related medical records as requested. Claims must be submitted within 90 days after the end of the policy year in which the treatment occurred. Reimbursement is typically processed within about 2 days via bank transfer after claim approval. For support or follow-up: - Email: [email protected] - Phone (US/Canada): 1-866-467-3875 |
| To obtain a certificate of insurance | Download your insurance certificate anytime from your online customer account ("My Account" on fetchpet.com). If needed, request it by email at [email protected] or call 1-866-467-3875. |
| To contact assistance | For general or urgent questions, billing, or claim inquiries: - Phone: 1-866-467-3875 (US/Canada, customer service) - Email: [email protected] - Online chat and secure inbox available via your customer account at fetchpet.com Hours: typically Mon-Fri during business hours (see website for local times). If your pet needs emergency care, contact your veterinarian directly. Fetch does not provide medical triage. |
| To cancel my contract | You can cancel at any time. - To cancel within the first 30 days: you may receive a full refund if you have not filed a claim. - After 30 days: refund is prorated according to the time left on your policy. Cancellation must be requested in writing (email or post), including your policy number, your name, and your cancellation request. Contact: - Email: [email protected] - Phone: 1-866-467-3875 - Mail: Fetch Insurance Services, LLC, 101 Greenwich St, 15th Floor, New York, NY 10006, USA Attach proof of identity or any other document if requested by Fetch’s support. Notice: Cancellation is effective upon receipt of your request. If cancelled after a claim is made, refund is calculated minus any paid claim amounts. |
For direct Fetch quotes and enrollment, go to fetchpet.com.
Upload the completed claim form along with copies of your paid vet invoice(s), and any related medical records as requested.
Claims must be submitted within 90 days after the end of the policy year in which the treatment occurred.
Reimbursement is typically processed within about 2 days via bank transfer after claim approval.
For support or follow-up:
- Email: [email protected]
- Phone (US/Canada): 1-866-467-3875
If needed, request it by email at [email protected] or call 1-866-467-3875.
- Phone: 1-866-467-3875 (US/Canada, customer service)
- Email: [email protected]
- Online chat and secure inbox available via your customer account at fetchpet.com
Hours: typically Mon-Fri during business hours (see website for local times). If your pet needs emergency care, contact your veterinarian directly. Fetch does not provide medical triage.
- To cancel within the first 30 days: you may receive a full refund if you have not filed a claim.
- After 30 days: refund is prorated according to the time left on your policy.
Cancellation must be requested in writing (email or post), including your policy number, your name, and your cancellation request.
Contact:
- Email: [email protected]
- Phone: 1-866-467-3875
- Mail: Fetch Insurance Services, LLC, 101 Greenwich St, 15th Floor, New York, NY 10006, USA
Attach proof of identity or any other document if requested by Fetch’s support.
Notice: Cancellation is effective upon receipt of your request.
If cancelled after a claim is made, refund is calculated minus any paid claim amounts.
FAQ
Do I need to pay the veterinarian upfront with Fetch?
With Fetch, you do need to pay your veterinarian upfront for your pet’s treatment. Fetch does not offer a direct pay or third-party payment system (like Payvet). After you pay the vet, you submit your claim and receipts to Fetch for reimbursement, often processed within a few days.
How do I cancel my Fetch pet insurance policy?
To cancel your Fetch policy, contact their customer service by phone, email, or through your online account. There’s no long-term commitment; you can cancel at any time. If you cancel within 30 days without submitting a claim, you get a full refund; otherwise, the refund is prorated. No special forms are required—just your policy details.
What does Fetch pet insurance actually cover?
Fetch covers unexpected vet bills for illnesses, accidents, diagnostics, prescription medications, hereditary conditions, disease-specific to breed, dental care (every tooth), and behavioral therapies. Preventive care such as exams, vaccines, and routine checkups are only covered if you’ve selected the optional wellness add-on.
Are pre-existing conditions covered by Fetch?
No, pre-existing conditions are not covered. Any illness or injury that showed symptoms or was diagnosed before your policy started, or during the waiting period (15 days for most issues), will not be eligible for coverage. This is standard across pet insurance, so you should enroll your pet while they’re healthy when possible.
How quickly does Fetch reimburse after a claim?
Fetch processes claims quickly, often within just a few days after receiving your complete claim and supporting documents. Reimbursement is typically made via direct deposit or check. To ensure fast payment, submit your vet bills and required information promptly through the Fetch app or website.
Do I need to pay the veterinarian upfront with Fetch?
With Fetch, you do need to pay your veterinarian upfront for your pet’s treatment. Fetch does not offer a direct pay or third-party payment system (like Payvet). After you pay the vet, you submit your claim and receipts to Fetch for reimbursement, often processed within a few days.
How do I cancel my Fetch pet insurance policy?
To cancel your Fetch policy, contact their customer service by phone, email, or through your online account. There’s no long-term commitment; you can cancel at any time. If you cancel within 30 days without submitting a claim, you get a full refund; otherwise, the refund is prorated. No special forms are required—just your policy details.
What does Fetch pet insurance actually cover?
Fetch covers unexpected vet bills for illnesses, accidents, diagnostics, prescription medications, hereditary conditions, disease-specific to breed, dental care (every tooth), and behavioral therapies. Preventive care such as exams, vaccines, and routine checkups are only covered if you’ve selected the optional wellness add-on.
Are pre-existing conditions covered by Fetch?
No, pre-existing conditions are not covered. Any illness or injury that showed symptoms or was diagnosed before your policy started, or during the waiting period (15 days for most issues), will not be eligible for coverage. This is standard across pet insurance, so you should enroll your pet while they’re healthy when possible.
How quickly does Fetch reimburse after a claim?
Fetch processes claims quickly, often within just a few days after receiving your complete claim and supporting documents. Reimbursement is typically made via direct deposit or check. To ensure fast payment, submit your vet bills and required information promptly through the Fetch app or website.
