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Fetch Pet Insurance Summary
Reporting that it covers more than 500,000 pets, Fetch can provide you with comprehensive coverage if your pet is ill or injured. You can take your pet to any licensed vet in the US or Canada, and Fetch enables you to submit your claim within minutes and receive up to 90% of your money back from any unexpected bills. With policy discounts of up to 10%, it operates a fast reimbursement system and pays accepted claims in as little as 2 days.
Fetch Pros & Cons
Pros
Accepted claims paid in as little as 2 days
Generous discounts available
Manage account via mobile app
Cons
24/7 phone support not available
Only covers dogs and cats
Fetch at a glance
6.2
Editorial scoreOnline experience
Excellent site with mobile optimization, learning resources, and live chat
6.0
Customizable rates and services
Customizable plans and rates
8.0
Claims payout waiting period
Days
4.0
Customer support
Evening and weekend communication available through multiple channels
6.0
Bundles
Multiple bundles available
7.0
Here’s a quick breakdown of what you can expect from Fetch:
Coverage options | Accident and illness, wellness coverage |
Annual limits | Fetch offers coverage limits running from $2500 through Unlimited. |
Deductibles | Similar to the above, the specific list of limit & deductible options is just a sampling of coverage options available. |
Reimbursement levels | 70% to 90% |
Pets covered | Dogs and cats |
Discount opportunities | AARP members, veterinary employees, and military members can receive a 10% discount of insurance premiums |
Availability | 50 states, Washington D.C., and Canada |
About Fetch Pet Insurance
Fetch aims to “provide the most complete coverage for your pet and more money back for you.” The pet insurance company serves more than 500,000 pets across the U.S. and Canada.
Fetch wholly exists to help adoring pet parents give their dogs and cats a longer, healthier life. We deliver on this promise better than any other provider in three ways: coverage, convenience and cause. Our insurance coverage is far and away the most complete in the industry.
Paul Guyardo,CEO of Fetch Pet Insurance,tells BestMoney
Fetch Pet Insurance Availability
Fetch serves pet families in all 50 states, Washington D.C., and Canada. Its website has state-specific pages with insurance options in each state as well as estimated premiums for pet owners who live there.
Who is Fetch Pet Insurance For?
Fetch is a solid choice if:
You want a policy that offers nose-to-tail coverage: If you’re looking for one of the most comprehensive accident and illness plans on the market, Fetch is it.
You have a younger pet: Unlike other pet insurance companies, Fetch can insure your pet starting as young as 6 weeks old and has highly competitive pricing.
You prioritize dental care: Fetch offers the most comprehensive dental coverage, which is important as 1 out of 4 pets experience a traumatic dental injury throughout their lifetime. Fetch covers both injury & illness in every adult tooth, while others have sublimits or other restrictions on dental coverage.
Your pet needs name-brand prescription medication on a regular basis: Thanks to Fetch’s 24/7 online pharmacy, you’ll get access to name-brand meds without the hassle. Plus, Fetch members get up to 100% reimbursement on hundreds of qualifying pet meds through Fetch’s pharmacy, fetchpetrx.com.
You prefer flexible wellness coverage: Fetch lets you choose from three-tiers of wellness plans to help cover routine care costs.
What Does Fetch Pet Insurance Cover?
Fetch prides itself on a single accident and illness plan with the most comprehensive coverage on the market. Unlike other insurers, there is no option for accident-only coverage.
You can, however, add Fetch’s wellness plan for an additional monthly fee. Note that Wellness Coverage is available in three tiers to accommodate varying budget and needs.
Here’s a breakdown of what you can expect from Fetch accident and illness as well as Wellness Rewards plans.
Accident and Illness
Accidents like broken teeth, swallowed objects, cuts, poisoning, and bite wounds
Illnesses, such as arthritis, allergies, cancer, cherry eye, vomiting, and diarrhea
Diagnostics like lab tests, ultrasounds, X-rays, and CT scans
Hospitalizations and surgeries
Emergency vet visits
Physical therapy
Dental care for every tooth for both accidents and illnesses, exclusive to Fetch
Alternative therapies like acupuncture and chiropractic care
Behavioral treatments for aggression and separation anxiety
Advertising and reward fees if your pet goes missing
Name-brand prescription medications and supplements
Online vet and sick visits
Fetch Pet Insurance Plans & Pricing
The table below shows how much Fetch pet insurance could cost for different types of pets and policies.
Compared to other pet insurance companies I’ve researched, Fetch has affordable rates, even for older pets, especially when you consider the many unique coverages included in the plan. I was honestly pleasantly surprised at the rates.
Pet Type | Accident and Illness Plan |
Dog (2 years old)* | $40.96 |
Dog (11 years old)* | $173.97 |
Cat (2 years old)** | $27.05 |
Cat (11 years old)** | $80.35 |
*This is the 2026 monthly rate for a male, Medium Mix dog in the Cleveland, OH area with $10,000 annual limits, an 80% reimbursement rate, and $500 deductible
**This is the 2026 monthly rate for a female, Domestic Shorthair cat in the Cleveland, OH area with $10,000 annual limits, an 80% reimbursement rate, and $400 deductible
This table shows the cost of the three different tiers of Fetch Wellness Rewards. I thought the higher tier plans were expensive but they may be worth it depending on your finances and pet’s needs.
Essentials | $15.33 per month |
Advantage | $25.03 per month |
Prime | $37.93 per month |
The cost of an insurance policy from Fetch Pet Insurance depends on the following factors:
Location: If you’re a pet owner in an urban area with higher vet costs, you can expect to pay more for a policy than someone in a rural town, similar to other providers.
Pet breed: Since some breeds like French Bulldogs are more susceptible to illness and injury than others, the breed of your pet will impact your premium.
Age: Similar to other providers, older pets come with expensive premiums, making it important to lock in coverage as soon as possible. Other providers also don’t always provide coverage for older pets.
Coverage details: While Fetch only offers a single accident and illness plan, factors like your annual limits, reimbursement rate, and annual deductible will play a role in your rate.
Discounts: Fetch advertises generous discounts for AARP members, veterinary employees, military members, and more to help lower costs.
How to Get a Fetch Insurance Quote
Go to the Fetch website to request a pet insurance quote. Be prepared to share the following information:
Your zip code and email address
Your first and last name
Whether your pet is a dog or cat
Your pet’s name, age, and breed
Once you plug in your details, Fetch will provide a rate for its accident and illness plan. You can play around with the annual limits, reimbursement rate, and deductible to find a plan that aligns with your budget and your pet’s needs. If you’d like to add on wellness coverage, you may also choose one of three options for Wellness coverage.
I found the process to be quick and easy. I liked how Fetch saved your quote so you could think about whether you want to move forward and come back to finalize coverage at a later time.
What Is Not Covered
While the Fetch accident and illness plan is one of the most comprehensive options you’ll find, it does come with exclusions. It won’t cover the following:
Fetch does not cover pre-existing conditions. In general, no pet insurance policy does. That said, Fetch does cover curable pre-existing conditions
Cosmetic procedures like tail docking and ear cropping
Routine care, unless you invest in Fetch Wellness for an additional fee
Breeding and pregnancy
Experimental treatments
Cloned pets or cloning procedures
Training
Grooming, nail clipping, and grooming supplies
Illnesses and injuries related to racing, coursing, commercial guarding, organized fighting, or business use of your pet
House calls unless they’re required for life-saving treatments
Euthanization costs unless it is recommended by a vet
Physical or complementary therapy for weight loss
Time and travel expenses to a vet or hospital
Costs related to war, rebellion, invasion, governmental seizure, and quarantine
Waiting Periods
Like with other providers, you’ll need to wait a set amount of time before you can make a claim. Although this period varies by state, there is generally a 0 day waiting period for accidents and a waiting period of up to 15 days for illnesses.
One exception is that you’ll need to wait 6 months before you can file a claim relating to your pet’s hips or knees. However, it’s possible to waive this period by having your vet examine your pet’s hips and knees and issue a clean bill of health within 30 days of taking out a policy. This coverage typically is most useful for senior pets, so may not be relevant to younger dogs & cats.
Something more unique about Fetch is that they will cover curable pre-existing conditions. What this means is your policy will also include a curable exclusionary period, where, for some conditions, if your pet goes at least 12 months without experiencing any symptoms of a curable medical condition, Fetch will cover it.
Coverage Limits
Choosing the right deductible, annual coverage amount and reimbursement rate is all about finding a sweet spot where the value is right for you and your pet.
Fetch offers a wide variety of annual limit options ranging from $2500 to unlimited payouts per year. Fetch customers don’t have to limit themselves to one plan configuration and can select annual coverage based on what’s right for them.
They typically will show popular options on their website, but you can access their full range of coverage limits by calling their Sales team.
Reimbursement and Deductibles
Fetch Pet Insurance offers three reimbursement rates, including:
70%
80%
90%
In addition, you can choose from a wide range of deductible options starting at $250 all the way up to $2500. Customers can access an even more extensive range of options by contacting [Fetch] Sales Center by phone at 1.866.984.0104
Reimbursement level is the percentage of your vet bill Fetch will help pay for once you meet your deductible. Deductible is the amount of money you’ll owe out-of-pocket after a covered claim before Fetch steps in and covers the rest.
How Fetch Works: Claims and Service
To make a claim, you’ll need to:
1. Pay the vet
With Fetch, you can use any vet in the U.S. or Canada — they even cover specialists and emergency clinics. Just remember: You pay your bill at the vet’s office.
2 .Submit a claim in minutes
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3. Fetch reimburses you
Once your claim is approved, you'll get paid back up to 90% in as little as 2 days via direct deposit.
If you have a question regarding your claim, you can contact the company by phone or by logging into your online account. Customer service hours are Monday to Friday, 9 AM to 8 PM EST, and Saturday, 10 AM to 6:30 PM EST.
Alternatively, you can use its 24/7 chatbot service if your question is more general.
Overall, we found the site extremely user friendly and were impressed by the clear explanation of its policies.
What You Might Like About Fetch Pet Insurance
Comprehensive coverage: With Fetch, you can enjoy the peace of mind of robust coverage. The insurer includes many items that other companies either exclude or charge extra for, such as alternative therapies, boarding fees, name-brand prescription medications, and online vet visits.
Flexible wellness plans: Fetch’s Wellness Rewards program is available in three tiers and each one covers a long list of services. You can select the option that meets your particular budget and pet’s needs.
Exclusive discounts: As a Fetch policyholder, you may unlock discounts on pet products and services. Score great deals on pet food, grooming products, and more.
Accepts all pets: Unlike other pet insurance providers, Fetch does not discriminate in any way. The insurer covers all breeds, all ages and all geography in the U.S. and English-speaking Canada.
Online pharmacy: Fetch is the only pet insurance company with a 24/7 online pharmacy that provides 100% reimbursement on qualifying medications. In my opinion, this is one of the biggest selling points.
What Fetch Insurance Could Do Better
No accident-only plans: Fetch offers a single, comprehensive accident and illness plan that includes a long list of coverages. While this can be a plus, it may be a downside if you prefer a budget-friendly, basic plan for accidents only.
Limited customer service times: They don’t have a 24/7 phone line. Howeer, while the call service center is not open 24/7, Fetch offers chat assistance around the clock.
Fetch Pet Insurance Reviews by Real Customers
The Fetch website is packed with positives about the company but obviously, third-party ratings and reviews from real customers are far more telling. That’s why I took the time to browse TrustPilot and Better Business Bureau (BBB).
At the time of this writing, Fetch has 4.5 out of 5 stars and is rated ‘Excellent’, based on over 6,000 reviews on TrustPilot. They also hold an A rating on the BBB. This was pretty reassuring and definitely made me feel more confident about Fetch.
Most of the 5-star reviews were about the friendly and knowledgeable customer service reps. Policyholders never feel rushed when they have questions or concerns.
Despite the many positive reviews, there were some customers that were not satisfied because they didn’t get reimbursed what they expected. Fortunately, Fetch took the time to reply to each and every negative review while providing a phone number for further assistance.
One thing we noticed is that Fetch seems to be very transparent about what they & don’t cover, and has very responsive customer service.
How Fetch Pet Insurance Compares
Fetch is just one pet insurance company on the market. Before you move forward with it, it’s a good idea to compare it to other providers. Here’s how Fetch compares to other well-known insurers:
Fetch vs. Pets Best
Both Fetch and Pets Best offer comprehensive accident and illness plans as well as wellness coverage. While only Pets Best sells accident-only policies, Fetch includes many extras you simply won’t find with Pets Best, such as access to an online pharmacy, coverage for every tooth, and exclusive discounts.
Fetch vs. Embrace
Compared to Fetch, Embrace provides more flexible plans options on their website. However, Fetch stands out as it insures all pets, including senior pets while Embrace limits their coverage to accident-only plans. In addition, Fetch doesn’t charge extra for vet exam fees or prescription medications, and does offer similar options as Embrace if you call their Sales center.
Fetch vs. Spot
Fetch and Spot both offer different tiers of wellness plans. However, Fetch provides more complete coverage. In addition, its accident and illness policy covers online vet visits and up to $1,000 per year in behavioral therapy treatment. These options aren’t available with Spot.
Fetch | Pets Best | Embrace | Spot | |
Online pharmacy with 100% reimbursement | Yes(included at no extra cost) | No | No | No |
Sick-visit exam fees | Yes(included at no extra cost) | Involves an additional fee | Involves an additional fee | Yes |
Vitamin and supplement coverage | Yes(included at no extra cost) | Involves an additional fee | No | Yes |
Exclusive discounts on pet products and services | Yes(included at no extra cost) | No | Yes | Yes |
Contact Details and Address
PO Box 1489, Bolingbrook, Il, 60440
T: 866-509-0163
E: info@fetchpet.com
Bottom Line
If you’d like to protect against potentially astronomical vet bills, Fetch offers pet owners a great deal. It enables you to visit any licensed vet in the US or Canada, and its fast payment system means you could receive your money back within a couple of days after your claim has been approved.
It also includes a long list of unique coverages for items like boarding fees, vet-exam fees, missing pet ads and rewards, and more. Although it doesn’t offer 24/7 customer service, this isn’t uncommon with pet insurers and shouldn’t be a sticking point for most customers.
Frequently Asked Questions
Does Fetch Pet Insurance Cover Dental Care?
Yes, Fetch includes dental care in its accident and illness policy. In fact, the pet insurance company covers every tooth while other providers only cover the 4 canines.
Is Fetch a Reputable Pet Insurance Company?
Yes, Fetch is a reputable pet insurer that’s been around since 2003. It has countless positive reviews on third-party review sites like TrustPilot and holds an A rating with the Better Business Bureau (BBB).
Does Fetch cover senior pets?
Yes, Fetch extends coverage to pets of all ages, including older cats and dogs. Other insurers restrict pet insurance to senior pets.
Does Fetch Pay Vets Directly?
No. Like most pet insurance companies, Fetch operates on a reimbursement model. You’ll need to submit a claim and wait to get reimbursed for covered vet bills.
Methodology
Our experienced team at BestMoney rates and reviews pet insurers across the following categories:
Costs: We compared Fetch’s premiums to industry averages and considered the value of its policies and discounts. To do this accurately, we pulled online quotes for multiple pet insurance companies.
Coverage terms: We dove deep into plan types, flexibility, special waiting periods, exclusions, and extras.
Availability: We focused on Fetch’s geographical presence.
Claims process: We reviewed Fetch’s claims processing and reimbursement times as well as the availability of direct vet pay.
Customer service: Our team used reputable third-party review sites such as Trustpilot and the Better Business Bureau (BBB) to get an idea of Fetch’s reputation and customer service.
How do I know I can trust this review?
Our editors are serious about research - we combine our own experience with the services we recommend with reviews that come from verified users–just like you! Together with reviews from industry experts to ensure you choose with confidence and ease.
Written byBestmoney Staff
The BestMoney editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.