Our Take on Fetch Pet Insurance
Fetch is a solid option for pet owners who want broad coverage in one comprehensive plan. We gave Fetch 4.3 out of 5 stars based on our provider review methodology and named it our pick for comprehensive coverage. Its plans cover beyond standard care, with coverage for virtual veterinary visits, behavioral treatments, alternative and holistic medicine, emergency pet boarding and advanced dental treatments. Fetch is available in all 50 U.S. states and some parts of Canada.
Although Fetch offers comprehensive coverage, it comes at a cost. The biggest downside is a high monthly premium that customers report significantly increases each year. We reached out to the company for a comment on this claim but did not receive a response. Fetch also offers fewer plan customization options than other providers, which can make offsetting costs more challenging as your pet ages. On the other hand, online customer reviews mention helpful customer service representatives.
We think Fetch is a good choice for pet owners seeking coverage for a variety of treatments. However, budget-conscious buyers should note high monthly costs and the chance of future premium increases. You can cancel a Fetch plan if it becomes too expensive, but any conditions that occurred during your time with Fetch will be considered pre-existing when you switch to a new provider.
Pros and Cons
How Fetch Scored in Our Methodology
How Much Does Fetch Pet Insurance Cost?
Based on the sample quotes we requested for pets in all 50 states, the average cost of a Fetch pet insurance plan is $50 per month for dogs and $28 for cats. Exact pet insurance costs will vary depending on multiple factors, including where you live and your pet’s age. Although your pet’s medical history does not factor into an initial policy price, Fetch can use any claims you file and your pet’s age to raise rates over time.
In response to customer feedback asking for wellness benefits, Fetch added preventive care plans in 2023. The company offers three plan tiers with increasing wellness service reimbursement for an additional monthly fee. In addition to the base plan cost, wellness plan policyholders will pay an extra $11 to $32 per month.
Here is a breakdown of Fetch’s plan costs, including its wellness plans.
*We calculated this average by gathering quotes for ten different sample pet profiles. Sample pet profiles include mixed-breed and purebred dogs and cats, ranging from 3 months old to 8 years old. We collected a total of 996 quotes from Fetch.
Compare Fetch’s Cost to Other Companies
According to our analysis of 13 pet insurance providers, Fetch was the second most expensive company, with an average cost $44 more than the cheapest company, ManyPets. Although more expensive, Fetch has more comprehensive coverage than another other company we reviewed.
See How Fetch’s average cost lines up to competitors below:
What Does Fetch Pet Insurance Cover?
Fetch offers one plan and one coverage add-on, which makes for a quick sign-up process. You can request a quote by entering basic information about your pet directly on the Fetch website.
When requesting a quote, you will see a price based on automatically set plan parameters. You can adjust the coverage and price by clicking on “Customize Price,” which brings up three options each for an annual limit, deductible and reimbursement percentage. However, the deductible choices offered may vary depending on your pet’s species and age. A list of inclusions is also presented on this screen, but you will need to scroll down to find a “Terms and Conditions” link if you want to see technical exclusions.
Fetch claims to offer the most comprehensive accident and illness plan on the market, appealing to pet owners who do not want to worry about coverage exclusions. However, like all plans, Fetch does not cover pre-existing conditions or those that occur during the plan’s 15-day waiting period.
Here are other major events and services Fetch excludes:
- Breeding and whelping costs
- Prescription foods
- Elective procedures
- Cosmetic surgeries
- Hip dysplasia, cruciate tears and luxating patellas in the first six months of the policy (may waive the waiting period for knee injuries with an exam)
- Costs beyond “reasonable” amounts for a specific condition
- Therapies not administered by a veterinarian
- Parasites
You can check out a sample plan or the Fetch website to learn more about exclusions, which the company does not list in full during the sign-up process.
Fetch’s Accident and Illness Plan
The accident and illness plan covers all the same treatments, diagnostics and conditions as other providers we’ve reviewed and then some. Fetch covers veterinary care related to accidents and illnesses, as long as the condition is not pre-existing, specifically excluded or first occurred during the waiting period. Examples of covered accidents and illnesses include:
- Cuts
- Broken bones
- Foreign body ingestion
- Toxin ingestion
- Cruciate tears
- Gastrointestinal problems
- Urinary tract infections
- Heart disease
- Cancer
- Periodontal disease
- Tooth fractures
- Breed-specific issues
Examples of covered diagnostics and treatments include:
- Acupuncture
- Aromatherapy
- Chiropractic
- Homeopathy
- Specialist care
- Lab work
- X-rays
- Advanced imaging
- Overnight hospitalization
- Physical therapy
- Behavioral treatments
- Herbs and supplements
Fetch also offers some unique coverages that other companies do not, including:
- Lost pet advertising and reward reimbursement
- Emergency boarding fees if the pet owner is hospitalized
- Virtual veterinary visits
- Pet loss due to theft or straying
Routine and Preventative Care Add-on Plan
You can add Fetch preventive care plans to your base plan for an additional monthly fee. The care plans provide reimbursements for routine care, such as vaccines and dental cleanings, according to a set fee schedule.
Here are the maximum reimbursement amounts for each plan tier, broken down by service:
Fetch’s Deductible, Reimbursement and Annual Limit Options
Fetch allows customers to choose their deductible, reimbursement rate and annual limit when they enroll a pet in coverage. Adjusting these parameters influences premium costs — for example, a higher deductible will lower your premium and vice versa. Compared to other providers, Fetch offers fewer customization options, with only three choices in each category.
Deductibles
When you sign up, you can choose from three deductible options, ranging from $250 to $700. Fetch will offer you specific options depending on your pet’s age and species and where you live. Choosing the highest deductible available to you will lower premium costs but increase the amount you must pay before you can receive reimbursements.
Reimbursement Rates
With Fetch, you can choose between a 70%, 80% or 90% reimbursement rate. After your deductible is applied to covered services, the company will reimburse you at your selected rate for each claim. You will be responsible for covering the remainder.
Annual Limits
An annual limit is the total amount your plan will pay out in a given year. Fetch offers three fixed annual limits: $5,000, $10,000 or $15,000. Choosing a lower annual limit will decrease monthly premium costs but increase the chances of exceeding your coverage maximum in a given year.
Compare Fetch To Other Pet Insurance Companies
Check out our comparison tool to see how Fetch stacks up against other popular pet insurance providers.
