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Fetch Pet Insurance Review 2025

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Fetch pet insurance: Is it right for your pet? Fetch

Fetch is an old dog in the pet protection sphere, first launching in 2003 as Petplan. The insurance provider rebranded to "Fetch by The Dodo" after private equity company Warburg Pincus acquired a minority stake in the company in 2020.

Business Insider compared Fetch to the best pet insurance companies and found it to be above average, offering uncommon coverage at lower prices.

Pros and Cons

Fetch Pet Insurance Pros

  • Uncommon coverages
  • Relatively low premiums for dogs
  • Wellness plans include spay/neuter coverage
  • 10% discount for AARP members

Fetch Pet Insurance Cons

  • Relatively low annual coverage limits
  • Expensive coverage for cats

Get a Quote

Fetch Pet Insurance
Get quotes
Compare rates and policies from participating pet insurance companies with Petted
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Perks

Use any veterinarian in the U.S. or Canada

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states and Washington DC
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers veterinary exam fees, dental disease, MRIs, and more
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers pet boarding fees if you're hospitalized
Cons
  • con icon Two crossed lines that form an 'X'. Customers have to call in to quote for unlimited coverage
  • con icon Two crossed lines that form an 'X'. The highest coverage limits are only $15,000
  • con icon Two crossed lines that form an 'X'. Claims processing may be spotty

Compare Fetch Pet Insurance

Featured Offer
Pets Best Pet Insurance
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On Pets Best's website
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Perks

Get a free quote in seconds. Pets Best provides comprehensive pet insurance plans to more than 750,000 pets.

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers pet insurance with unlimited coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers deductibles of as low as $50 and as high as $1,000 annually
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company partners with large insurance companies like GEICO
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Rates can be extremely affordable for pets of all breeds
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage is available in all 50 states and Washington, DC
Cons
  • con icon Two crossed lines that form an 'X'. Alternative and holistic treatments may not be included
  • con icon Two crossed lines that form an 'X'. Customer reviews indicate claims processing may take longer
Featured Offer
Lemonade Pet Insurance
Get quotes
On Lemonade Insurance Company's website
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

10% off your policy for bundling insurance products; 5% off your policy for insuring multiple pets; and 5% off your policy for enrolling in the annual payment plan

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. $12 premiums for basic care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons available for other preventative care
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive mobile experience for claims and support
Cons
  • con icon Two crossed lines that form an 'X'. Only available in 37 states and Washington DC
  • con icon Two crossed lines that form an 'X'. No 24/7 telehealth line for veterinary advice
Insider’s Take

Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance.

Lemonade Pet Insurance review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
  • Discounts for bundling policies and having multiple pets
  • Starts at $10 a month
  • Offers a discount for enrolling in an annual payment plan
Featured Offer
Spot Pet Insurance
Get quotes
On Spot Insurance Services LLC's website
Icon of check mark inside a promo stamp It indicates a confirmed selection.
Perks

Offers coinsurance of up to 90% of each eligible bill with no annual limit

Pros
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wellness plans and accident and illness plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states with comprehensive coverage options
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for senior dogs and cats
Cons
  • con icon Two crossed lines that form an 'X'. Pets have to be at least 8 weeks for coverage
  • con icon Two crossed lines that form an 'X'. Does not offer coverage for exotic pets
Insider’s Take

Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services.

Spot Pet Insurance review External link Arrow An arrow icon, indicating this redirects the user."

Fetch Pet Insurance Overview

Fetch Pet Insurance covers quite a few expenses that other providers do not explicitly insure. Fetch includes coverage for dental care, exam fees for sick visits, and breed-specific issues that are often hereditary. Additionally, Fetch covers costs associated with missing pets, boarding fees if you're hospitalized, and reimburses you for the cost of your pet if they die from an injury or illness. These are features usually reserved for add-ons that customers get with Fetch's base plan.

Fetch premiums are also on the lower end of the industry, especially for dog coverage. However, its cat coverage is comparatively expensive.

The biggest mark against Fetch is its annual limits. Fetch falls short if your dog or cat needs significant yearly medical treatments since the insurance policy caps out at an annual maximum of $15,000. For costly, chronic illnesses like cancer, you can hit that $15,000 ceiling quickly. You might want to consider a service with unlimited coverage, or at least higher limits than what Fetch can provide.

Fetch Pet Insurance Plans

Fetch Pet Insurance by The Dodo only offers one insurance plan for cats and dogs. It has comprehensive coverage for accidents and illnesses. It also offers a variety of other treatments, conditions, and situations. We'll highlight some notable inclusions not often covered by most pet insurance companies.

  • Sick-visit exam fees: While most insurance companies cover treatments or procedures, they may not cover the cost of the exam fee itself. 
  • Dental care: Care for all of your pet's adult teeth, not just canines. Will also cover a variety of oral illnesses and diseases.
  • Alternative & holistic care: Treatments include acupuncture, aromatherapy, chiropractic treatments, and homeopathic treatments. 
  • Behavioral therapy: Covers consultations with vets to diagnose and treat behavioral conditions including anxiety, aggression, and phobias. Offers up to $1,000 annually.
  • Online vet visits: Covers telehealth treatments up to $1,000 with no required copay.
  • Supplements: Covers non-prescription medicinal substances recommended by a vet to treat an accident or illness.
  • Boarding fees: Covers boarding fees for your pet if you're hospitalized, up to $1,000 yearly.
  • Advertising and rewards: Covers up to $1,000 yearly for advertising fees and reasonable rewards if your pet is missing. 
  • Death from injury or illness: Reimburses you for the cost of your pet up to the maximum annual benefit if your pet dies from an injury or illness.
  • Loss due to theft or straying: Similar coverage if your pet is stolen or goes missing during policy period.

Pricing factors in three variables for dogs:

  • Reimbursement: 70%, 80%, or 90%;
  • Annual deductible: $300, $500, or $700
  • Maximum annual payout $5,000, $10,000, or $15,000

Pricing for cats has slightly different annual deductible options: $250, $300, $400.

Additional Coverage Options from Fetch Pet Insurance

Fetch offers three tiers of wellness and preventive plans: Essentials, Advantage, Prime.

 EssentialsAdvantagePrime
Annual exam$30$50$50
Canine bordetella/Feline FELV vaccines$10$20$25
Canine DHLPP/Feline FVRCP vaccines$10$20$25
Canine rabies/Feline rabies vaccine$10$20$25
Canine Lyme/Feline FIP vaccines$10$20$25
Heartworm, flea, tick prevention$30$50$60
Heartworm test$10$25$30
dental cleaning$75$100$125
Spaying/Neutering$100$100$125
Blood test$10$25$30
Urinalysis$10$25$30
Fecal test$10$25$30
MicrochippingN/A$20$30
Anal gland expressionN/A$20$20
Behavioral examN/AN/A$25
Health certificateN/AN/A$30
Activity monitorN/AN/A$50

Fetch Pet Insurance Cost

With all of Fetch's choices between deductibles, reimbursements, and annual limits, you'll have 27 different pricing options. According to Fetch's website, the average consumer pays monthly premiums of $35 for a dog and $20 for a cat. However, pricing depends on the cost of vet care where you live, as well as your pet's breed and age.

To get a better idea of how much Fetch pet insurance costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.

Business Insider acquired the following dog insurance quotes for a Fetch plan with a $500 deductible, 80% reimbursement, and $10,000 annual limit:

Breed2-year-old (monthly)6-year-old (monthly)
French Bulldog $98.78$230.50
Labrador Retriever$53.18$119.45
Golden Retriever$59.67$134.93
German Shepherd$61.47$139.12
Standard Poodle$61.47$139.12
Mixed Breed (23-70 lbs)$44.82$98.86

Let's go over premiums for a New York City cat covered under a Fetch plan with a $400 deductible, 80% reimbursement, and $10,000 annual limit:

Breed2-year-old (monthly)6-year-old (monthly)
Ragdoll$31.56$55.13
Maine Coon$45.98$70.23
Devon Rex$39.46$59.81
Exotic Shorthair$58.20$89.63
Persian$39.46$59.81
Unsure/Mixed$25.46$50.95

Fetch's routine and preventive plan costs $11.29 for Essentials, $20.46 for Advantage, and $32.14 for Prime. Pricing stays the same regardless of your pet's age, breed, or species.

How to Purchase and Manage a Fetch Pet Insurance Policy

To buy a Fetch policy, you'll need to obtain a quote on its website. Be prepared to provide your pet's name, species, breed, age, and sex. You'll also need to provide your ZIP code, as your location is often the most important determining factor when your insurance provider calculates your premium. If you are an AARP member, you can also input your membership number to receive a 10% discount. 

Once you receive your quotes, you'll have several options to customize your policy. You can customize your policy's deductibles, annual limits, and reimbursement level. You'll also be able to add routine and preventive coverage and choose which tier of preventive care you want.

You should also note that to finalize your purchase, your pet must undergo a complete examination by a vet. If your pet is less than 6, the exam needs to take place within 12 months prior to the policy's effective date or with 30 days after the effective date. If your pet is 6 or older, your pet needs to get a complete exam within 30 days prior or after the effective date of your policy.

Fetch has a 15-day waiting period for accidents and illnesses. It also has a six-month waiting period for hip and knee injuries, which can be waived with a pet examination within 30 days of enrollment. You can waive the hip and knee waiting period by getting your pet examined by a vet.

How to File a Claim With Fetch Pet Insurance

Fetch Pet Insurance by The Dodo makes the claim process very straightforward. The claims page is easy to find under the "pet insurance" tab in the top left corner of the website and includes all the information you'll need to get started.

You'll need two documents to file a claim: an itemized receipt or invoice for services and your pet's detailed medical records. If you aren't sure you have the proper documents, ask your vet for your fur baby's SOAP notes.

You can file your claim directly through the Fetch pet insurance app or by going online and logging in to your customer portal. If any required documents are missing, you'll receive an "ACTION REQUIRED: Documents Missing" email and can add additional documents to your existing claim.

Fetch says that claims require a turnaround time of approximately 15 days after receiving all documents. You'll receive emailed updates throughout the process. So, for example, if you sign up for direct deposit and input your information, you can receive your reimbursement about five to 10 days sooner than you would if you wait for a check in the mail.

Fetch Customer Service and Claims Experience

Fetch has largely positive reviews on Trustpilot, receiving an average of 4.4 stars out of five. Customers reported fast reimbursements and very knowledgeable customer service representatives.

Fetch usually responds to negative reviews (three stars or less) within the week. It usually directs people to call the customer service line and speak with a live agent. However, occasionally, it will escalate a customer's issue with its consumer advocate team based off a Trustpilot review.

Discussions of Fetch on Reddit paint a more nuanced and, frankly, negative picture of Fetch. Customers reported that Fetch sharply increased their premiums during renewal and unilaterally dropped coverages. Additionally, customers felt that Fetch was too quick to dismiss claims as pre-existing conditions.

Fetch Pet Insurance Alternatives

See how Fetch compares to three other options for pet insurance coverage: Healthy Paws, Pumpkin, and Lemonade.

Fetch vs. Healthy Paws Pet Insurance

Healthy Paws Pet Insurance and Fetch are equally well-regarded by consumers, based on Consumer Affairs reviews: Both are rated 4.2 out of five stars.

Fetch is a good option for pet parents with young, healthy animals who want the most affordable protection. However, parents of older pets or those concerned about future chronic illnesses may want to spring for Healthy Paws' unlimited coverage. 

On the other hand, Fetch stands out if you need telehealth visits for your pet, behavioral therapy, or prescription medications. Both health services are included under your Fetch coverage. With Healthy Paws, you would have to pay out of pocket.

It's also worth noting that Healthy Paws has a more lenient definition of pre-existing conditions. If your pet was cured of certain conditions and doesn't show symptoms or need treatment for 180 days, it's no longer a pre-existing condition. This period is shorter than Fetch's, which is 12 months.

Read our Healthy Paws pet insurance review.

Fetch vs. Pumpkin Pet Insurance

Pumpkin Pet Insurance, which offers a 10% discount for each policy when you hold two or more plans, may be a good fit for pet parents looking for multi-pet insurance. Pumpkin also provides a flat 90% reimbursement rate and annual limits of $10,000, $20,000, or unlimited coverage for dogs and cats, while Fetch has a maximum coverage limit of $15,000 per year. While pet parents may not see a difference in routine costs, $15,000 can be spent quickly after a significant accident or for hereditary illnesses, accidents, and any emergency leading to surgery or hospitalizations.

Pumpkin and Fetch both offer features the other lacks. Fetch offers coverage for pet boarding while an owner is hospitalized and benefits for missing and deceased pets, which Pumpkin lacks. Pumpkin's wellness plan also lacks spay/neutering coverage, which Fetch offers in all three tiers of its preventive plan. On the other hand, Pumpkin offers prescription food and end-of-life services, which Fetch lacks. 

However, you'll prefer Fetch if you want to file your claims on your phone via the proprietary app, need dental coverage for every tooth, or enjoy its 24/7 support. Pumpkin is among a short list of pet insurance companies that differentiate between curable and non-curable pre-existing conditions. If your pet is treated for specific conditions and shows no other symptoms for 180 days, Pumpkin would cover treatment again. This period is shorter than Fetch's 12 months.

Read our Pumpkin pet insurance review.

Fetch vs. Lemonade Pet Insurance

Lemonade Pet Insurance has a few advantages over Fetch that are worth considering. If you detest paperwork, you can film a brief video statement summarizing what happened to your pet and submit it through the app. If you are impressed by speedy reimbursements, you can pull out a timer and see how quickly Lemonade pays out on an approved claim.

Customers may also like the flexibility of Lemonade policies. You can choose deductibles between $100 and $750 and annual limits from $5,000 to $100,000, compared to Fetch's lowest deductible of $300 per year or up to $15,000 annual coverage limit. You can also add various riders to your Lemonade policy, like vet visit fees, dental illnesses, and wellness packages. Or you can opt out of these coverages for lower premiums, making Lemonade one of the cheapest pet insurance companies.

Additionally, Lemonade offers several opportunities to save. You'll receive 10% off when bundling pet insurance with Lemonade's other insurance policies, 5% off when enrolling two or more pets, and 5% off when paying annually.

However, Fetch is the one to choose if you want coverage for various ancillary costs, such as your exam fees at the vet or boarding fees for hospital stays of four days or longer. You also won't be able to purchase Lemonade coverage if you live in Canada or more than a dozen U.S. states where Lemonade isn't available.

Read our Lemonade pet insurance review.

Why You Should Trust Us: How We Reviewed Fetch Pet Insurance

Business Insider bases its ratings on cost, coverage options, customization, and customer service for a consistent rating system for different products.

  • Cost - How do its rates compare to the industry average? Does the company offer affordable options, or is it more expensive than competitors?
  • Coverage - This is bang for buck. What range of treatments is covered by the insurance company? What riders and add-ons does the company in question offer? More coverage could offset a high price as long as it's coverage customers want.
  • Policy customization - To what extent can consumers choose a reimbursement level, deductibles, and annual limits?
  • Customer service - Is the insurance provider's customer service team available when you need help? How long does it take to process a claim according to honest customer reviews? We scour different sources to determine what customers think of each product before we rate it.

You can get more information on how Business Insider rates pet insurance here.

Fetch Pet Insurance FAQs

Does Fetch offer a multi-pet discount? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Fetch does not offer a multi-pet discount.

Does Fetch pet insurance have a waiting period? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Yes, Fetch has a 15-day waiting period for accidents and illnesses and a six-month waiting period for hip and knee injuries, which can be waived with a pet examination within 30 days of enrollment.

Can I customize my Fetch pet insurance plan? Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

You can customize your Fetch pet insurance plan by choosing between 70%, 80%, and 90% reimbursement; a $300, $500, or $700 annual deductible; and a $5,000, $10,000, or $15,000 yearly maximum payout.

Does Fetch pet insurance cover pre-existing conditions?

Fetch does not cover pre-existing conditions. However, Fetch covers curable conditions after your pet is cured and goes 12 months without signs, symptoms, or treatment.

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