Fetch pet insurance review 2025

Fetch favored security rating: 1 retired of 5 stars

Fetch has comparatively generous coverage, but unfortunately, its standing successful our valuation was brought down by its precocious cost.

One upside to Fetch is that if your favored has a curable preexisting wounded oregon unwellness and goes 12 months without signs, symptoms, oregon treatment, the information is eligible for coverage. This tin see problems specified arsenic respiratory infections and diarrhea.

Another upside is that policies see a scope of tiny sum types:

• Payment for advertizing and a reward if your favored is mislaid oregon stolen

• Reimbursement for kennel costs if you’re hospitalized

• Reimbursement of the terms you paid for the favored if the favored dies

• Coverage for mislaid question costs if you person to cancel a abrogation due to the fact that your favored becomes sick oregon injured

Learn more: How does favored security work? A implicit guide.

Pros

• Covers dental illness

• Covers acupuncture and chiropractic care

• Reimburses for a scope of smaller costs, specified arsenic advertizing and rewards

Cons

• High mean cost

• No multi-pet discount

Fetch favored security basics

• Annual maximum bounds choices: $5,000, $10,000, $15,000 (customized options, including unlimited, disposable by calling 1-866-984-0104)

• Deductible choices: $300, $500, $700 for dogs; $250, $300, $400 for cats (customized options, successful $50 increments from $250 up to $2500, disposable by calling 1-866-984-0104)

• Reimbursement choices: 70%, 80%, 90%

Fetch waiting periods

• For mishap coverage: Up to 15 days for injuries resulting from mean activity; nary waiting play for injuries and accidents from an unexpected event

• For unwellness coverage: Up to 15 days

• Special waiting period: 6 months for cruciate ligament problems, patella issues, and hep dysplasia

Fetch property restrictions for buying a caller policy

• Minimum favored age: 6 weeks

• Maximum favored age: None

• Does favored security screen dental treatment?

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• Why a favored wellness program is worthy considering

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• The champion favored security companies of 2025

Fetch sells an mishap and unwellness argumentation and a wellness plan.

Fetch’s mishap and unwellness policy

Fetch favored security provides a coagulated scope of coverage, without the request to wage for add-ons. Fetch covers:

• The vet exam fee

• Hereditary and congenital conditions

• Diagnostics specified arsenic X-rays and ultrasounds

• Dental accidents and illnesses

• Behavioral therapy for conditions specified arsenic aggression, separation anxiety, and phobias

• Alternative therapy, specified arsenic acupuncture and chiropractic care

• Prescription drugs and supplements

• Up to $1,000 for favored telehealth visits

• Advertising/reward for lost/stolen pets

• Kennel costs if the proprietor is hospitalized

• Cost of favored if the favored dies

• Vacation cancellation costs owed to favored unwellness oregon injury

• Boarding fees covered if policyholder is hospitalized much than 96 hours

• Complications related to breeding and gestation are covered if the favored becomes large aft the waiting play expires

• Preventive attraction (covered lone with a wellness plan)

Learn more: Your usher to what favored security covers

Fetch offers 3 wellness plans: Essentials, Advantage, and Prime. Prime provides the astir broad sum and is, therefore, the astir costly option.

• Essentials: Covers up to $315 successful yearly attraction costs starting astatine $10/month

• Advantage: Covers up to $520 successful yearly attraction costs starting astatine $20/month

• Prime: Covers up to $735 successful yearly attraction costs starting astatine $30/month

Learn more: Why a favored wellness program is worthy considering

All 3 plans volition reimburse you up to specified limits for the following:

• Annual exam

• Blood test

• Dental cleaning

• Heartworm tests

• Heartworm, flea, and tick prevention

• Spaying/neutering

• Urinalysis and fecal test

• Vaccinations

The Advantage and Prime plans screen anal gland look and microchipping. The Prime program besides covers a behavioral exam, enactment monitor, and wellness certificate.

Learn more: Does favored security screen vaccines?

Like astir favored insurers, Fetch does not screen preexisting conditions. A preexisting information is defined arsenic an illness, injury, oregon information that your favored has shown signs of oregon that you oregon your veterinarian noticed earlier you enrolled, your argumentation took effect, oregon during the waiting play for coverage.

However, Fetch does screen curable preexisting conditions that spell without signs, symptoms, oregon attraction for 12 months. Examples see breached bones, respiratory infections, and urinary tract infections.

Learn more: Pet security that covers preexisting conditions

Fetch favored security does not see entree to a 24/7 vet helpline.

Fetch policies don’t screen the pursuing expenses:

• Bathing, unless medically necessary

• Cremation

• Degenerative disorders, including cruciate ligament disease

• Elective procedures, including process docking and receptor cropping

• Euthanasia, unless recommended by a veterinarian

• Experimental treatments

• Grooming

• Injury oregon unwellness related to abuse, neglect, racing, organized fighting, occupational usage of a pet

• Obedience oregon grooming classes

• Preexisting and bilateral conditions, adjacent if they look connected the different broadside of the body

• Preexisting intervertebral disk disease

• Prescription food

• Weight-loss treatment

Yes, but determination are restrictions if you privation to summation your coverage. All requests for changes successful sum indispensable beryllium made successful penning oregon with verbal confirmation.

• Increases. You tin use to summation your argumentation sum – oregon alteration your deductible oregon co-pay – lone if you haven’t submitted immoderate claims. In astir states, you tin lone use to summation your sum erstwhile a twelvemonth erstwhile your argumentation renews. Increasing your sum volition reset your waiting play and preexisting sum exclusions.

• Decreases. You tin use to alteration your sum – oregon summation your deductible oregon co-pay – astatine immoderate time.

Fetch had the highest-priced argumentation successful our valuation of policies with a $5,000 yearly sum limit.

Fetch favored security came successful astatine 55% supra the mean outgo successful our analysis.

Learn more: Is favored security worthy it? How to decide.

Fetch does not connection a multi-pet discount. Most favored security companies supply a discount of 5% oregon 10% for insuring aggregate pets.

No, you indispensable wage your vet and taxable a assertion to beryllium reimbursed. However, if you expect a ample bill, interaction Fetch successful beforehand to inquire if it volition marque a peculiar statement to wage the vet directly.

Learn more: Pet security that pays the vet directly: How does it work?

Here’s what to cognize astir filing a assertion with Fetch:

• To marque a claim: Submit a elaborate invoice showing your equilibrium was paid successful afloat and aesculapian records from your pet’s astir caller vet visit.

• To taxable claims quickly: Upload documents done your online relationship oregon usage the Fetch app.

• To person reimbursements faster: Set up nonstop deposit to beryllium paid 5 to 10 days faster than by check.

• If your assertion is denied: You tin entreaty successful penning wrong 90 days of denial of a claim.

You indispensable taxable a assertion wrong 90 days aft a vet visit.

Fetch says that it processes claims wrong 15 days and, erstwhile a assertion is approved, makes payments successful arsenic fewer arsenic 2 days if you person nonstop deposit.

Fetch’s mobile app is highly rated, and tin beryllium utilized to upload records, taxable claims, way the presumption of claims, and acceptable up nonstop deposit. According to Fetch, policyholders besides person entree to discounts connected favored wellness and wellness products, arsenic good arsenic entree to an online pharmacy.

Fetch's mobile app ratings:

• Apple App store: 4.8 retired of 5 stars

• Google Play store: 4.7 retired of 5 stars

Fetch favored security is disposable successful each 50 states, the District of Columbia and Canada.

Yes, Fetch polices authorities that your favored indispensable person an exam wrong 12 months earlier oregon 30 days aft the commencement of your policy. Otherwise, your sum whitethorn beryllium reduced.

You tin interaction Fetch by phone, email, mail, and interactive chat connected its website.

• Contact the Fetch income squad astatine 1-866-984-0104 from 8 a.m. to 9 p.m. ET Monday done Friday and 9 a.m. to 7 p.m. ET connected Saturday

• Contact the Fetch work squad astatine 1-866-467-3875 Monday done Friday from 9 a.m. to 6 p.m. ET

• The email code is [email protected]

• The mailing code is Fetch, P.O. Box 1489, Bolingbrook, IL 60440

• The interactive chat is astatine Fetch.com

You tin cancel a argumentation astatine immoderate clip by calling oregon emailing Fetch. If you cancel a argumentation wrong 30 days and haven’t filed immoderate claims, you volition person a afloat refund. After 30 days, your refund volition beryllium pro-rated based connected the day of termination.

Tim Manni edited this article.

We researched the sum details and prices for 15 favored security plans. We past weighted categories and each favored insurer was scored comparative to the others to find the champion favored security companies. Here are the factors we incorporated.

Coverage types: 40% of score. We examined the sum provided by the basal policy, without the other outgo of add-ons. This encompassed sum for alternate therapy, behavioral therapy, dental illness, euthanasia oregon end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, medicine nutrient and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets.

Average cost: 30% of score. We evaluated costs successful 5 states for $5,000 and unlimited sum for a mixed-breed canine (age 1), a French bulldog (age 5), and a Labrador retriever (age 8).

Unlimited sum option: 10% of score. We gave points erstwhile favored insurers offered an unlimited yearly bounds (or a $100,000 limit), which gives favored owners the astir robust fiscal extortion imaginable successful the lawsuit of a catastrophic favored aesculapian issue.

Direct payments to the veterinarian: 5% of score. We gave points to favored insurers that authorities connected their websites that they accommodate nonstop vet payments.

No peculiar waiting periods for peculiar conditions: 5% of score. We person points erstwhile favored insurers person nary waiting periods for peculiar conditions, specified arsenic cruciate ligament conditions.

Routine wellness plan: 5% of score. Companies that connection a regular wellness program successful summation to favored security received points.

Multi-pet discount: 5% of score. We gave points erstwhile favored insurers offered a discount for insuring aggregate pets.