Fetch Pet Insurance Review 2024: Free Quotes Online
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyFetch Pet Insurance offers a comprehensive solution for pet owners seeking complete coverage. Fetch offers one simple but extensive plan with flexible reimbursement rates from 70% to 90%. You can choose from annual coverage options of $5,000, $10,000, or $15,000. While it does not have an unlimited option, it offers extensive coverage. It lets you choose your deductible from multiple options so you can tailor your policy as per your budget.
Fetch covers everything from emergency visits to specialized treatments like acupuncture and behavioural therapy. It stands out with its detailed dental coverage, which addresses a wide range of dental issues including gum disease. Additionally, Fetch lets you enhance your coverage with a wellness add-on for routine and preventive care. All plans also include lost pet advertising and boarding during a medical emergency, benefits that are often available as riders or add-ons with other insurers. Overall, Fetch Pet Insurance is a great choice for those looking for comprehensive coverage customized to their needs and budget.
Fetch Pet Insurance: Key Takeaways
- Pets covered: Dogs, cats
- Plans: One simple comprehensive plan
- Annual Coverage Options: $5,000, $10,000, $15,000
- Premium: $50/month for dogs, $30/month for cats (average)
- Reimbursement rate: 70%, 80%, 90%
- Annual deductible: $300, $500 or $700* (Age-based)
If you want to explore if Fetch Pet Insurance is the right choice for you, you can get a free personalized quote right here. Fill up the short form below and get instant quotes.
Our Fetch Pet Insurance Review for 2024
Fetch Pet Insurance offers a single, comprehensive plan for pet owners, including accident and illness coverage. The annual coverage options are $5,000, $10,000, and $15,000. You can choose between reimbursement rates of 70%, 80%, or 90%, and deductible options of $300, $500 or $700*. These deductibles are age-based, increasing as your pet ages.
Fetch's coverage is extensive, including emergency vet visits, hospital stays, surgeries, imaging (X-rays, CT scans), specialist consultations, and breed-specific issues. It also covers a broad range of treatments such as acupuncture, chiropractic care, and behavioural therapies. One unique feature is its dental coverage, which includes treatments for every tooth and gum disease, although routine dental cleanings require an additional wellness plan.
Noteworthy features also include pet owner assistance, lost pet advertising, and boarding during medical emergencies, many of which are added as add-ons or riders with insurers like Trupanion. Fetch is also renowned for its customer service and satisfaction. The company has an A+ rating from the Better Business Bureau. Fetch pet insurance reviews online have a high Trustpilot rating of 4.3, reflecting a positive customer experience.
The main drawbacks of Fetch are the unavailability of unlimited coverage and the direct-vet pay option which are both offered by Trupanion Pet Insurance. However, the Fetch coverage of $15,000 is quite sufficient to cover all pet-care needs.
In terms of exclusions, Fetch is in line with industry standards as it does not cover pre-existing conditions, claims filed more than 90 days after treatment, and prescription food.
The monthly average premium for Fetch is about $50 for dogs and $30 for cats, which is competitive compared to other providers. However, since the deductible is age-based like most other providers, the costs might increase as your pet gets older.
So, is Fetch pet insurance good? Fetch is best for pet owners wanting broad medical and dental coverage, flexible vet choices, and comprehensive protection in a single plan.
You can get a free pet insurance quote right here from Fetch. It's completely online and takes less than 2 minutes.
What are the pros and cons of Fetch Pet Insurance?
Advantages of Fetch Pet Insurance Canada
Advantages of Fetch Pet Insurance Canada
- Comprehensive Coverage: Includes emergency visits, surgeries, imaging, and breed-specific issues.
- Extensive Dental Coverage: Covers all teeth and gum diseases.
- Flexible Reimbursement: Options of 70%, 80%, or 90%.
- Annual Limit Options: Choose between $5,000, $10,000, or $15,000.
- Optional Wellness Add-On: Covers routine care like exams and vaccinations.
- Straightforward Claims: Quick, no enrollment fees, flexible cancellation. Easy access with Fetch Pet Insurance Login.
- No Age Limits: Open to pets of any age.
- Healthy Pet Credit: Up to 30% off premiums with no claims.
- Digital 24*7 support: Exclusive access to Fetch Forward technology for personalized advice
- Complete sick visits covered: Exam fees included, which potentially saves you nearly $50-$250 per visit.
- High Trust Pilot rating of 4.3: Positive Fetch Pet Insurance reviews for customer service and satisfaction
- Increasing Deductible: Age-based deductible, increases as pets get older.
- No Unlimited Coverage: Maximum annual limit is $15,000.
- No Direct Vet Payment: Requires upfront payment, followed by reimbursement.
- Excludes Pre-Existing Conditions: Does not cover conditions existing before policy.
- Wellness Plan Extra: Preventive care is only covered with an additional plan.
- Not available in New Brunswick and Quebec.
- No multi-pet discount
You must compare Fetch with other providers before zeroing in on a plan. You can use our free tool below to compare the best pet insurance quotes online and get instant results.
Compare the best pet insurance plans on the market!
What does Fetch Pet Insurance cover?
Fetch offers one of the most comprehensive pet insurance coverage available. Below are just some of the most common conditions that Fetch covers:
Accidents
- Broken bones
- Hospital stays
- Online vet visits (up to $1,000 per year, no copay)
- Bite wounds
- Poisoning
- Motor vehicle accidents
- Cuts & scratches
- Swallowed objects
- Broken teeth
- Emergency vet visits
- And more!
Good to know
Fetch provides comprehensive dental coverage for accidents and diseases affecting all adult teeth, not just the canines. This includes full coverage for periodontal disease, oral tumours, trauma, and more.
Illnesses
- Sick visits
- Allergies
- Breed-specific issues (Breathing problems in French bulldogs or kidney stones in Burmese, etc)
- Periodontal & gum disease
- Arthritis
- Cancer treatment
- Skin & ear infections
- Vomiting & diarrhea
- Cherry eye
- And more!
Diagnostics & Treatments
- X-rays & CT scans
- Physical therapy (Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an accident or illness.)
- Surgeries
- Ultrasounds
- Laboratory tests
- Acupuncture & chiropractic care
- Treatment for aggression & separation anxiety
- Prescription medications
- Specialists (Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists)
- Behavioural therapy (up to $1,000 per year)
- Supplements (Non-prescription medicinal substances)
- And more!
Pet Ownership Assistance
- Advertising and reward (up to $1,000 per year)
- Boarding fees as a result of pet owner's medical emergency (up to $1,000 per year)
Wellness (Optional Add-On)
Routine and preventive coverage can be added for as little as $13.97 per month. Fetch wellness benefits have no waiting period, no deductible and no copay. The following coverages are included in the wellness add-on.
- Annual exam
- Vaccinations
- Dental cleaning
- Heartworm, flea & tick prevention
- Routine & preventative coverage
- Spaying or neutering
- Fecal tests
- Blood & urine tests
- And more!
Good to know
Fetch does not provide coverage in Quebec. You can look at our Pet Insurance in Quebec guide for the best providers in the province.
What is the waiting period for Fetch Pet Insurance?
Fetch Pet Insurance has a waiting period of up to 15 days for accident and illness coverage, during which claims won't be covered, and any conditions that arise will be deemed pre-existing. Coverage for new incidents starts after this period.
There is a six-month waiting period for hip and knee injuries like hip dysplasia and patellar luxation. This can be waived if your pet is examined within the first 30 days of the policy, and the vet confirms no pre-existing conditions related to the hips or knees.
Note: Fetch Wellness coverage has no waiting period.
You must compare coverage from multiple providers before buying a plan. You can use our free tool below to compare pet insurance coverage from Canada's best providers and also get free quotes instantly.
Compare the best pet insurance plans on the market!
What does Fetch Pet Insurance not cover?
- Late-filed claims, that is claims filed more than 90 days after treatment
- Prescription food
- Cosmetic procedures and grooming
- Pre-existing conditions
Good to know
Some providers cover curable pre-existing conditions as long as enough time has passed without symptoms or need for treatment. These could be infections, vomiting and diarrhea. It's best advised to consult your agent to get a clear idea of the coverage in terms of pre-existing conditions.
How much is Fetch Pet Insurance?
Fetch Pet Insurance costs $50/month for dogs and $30/month for cats on average. However, you can get personalized quotes online through the website or even call the Fetch pet insurance phone number 1.866.467.3875.
Here are quotes we obtained on June 12, 2024, using the Fetch website. The prices are for a 4-year-old Labrador Retriever.
| Monthly Premium | Max Annual Payout | Annual Deductible | Reimbursement Rate |
|---|---|---|---|
| $85.10 | $5,000 | $300 | 70% |
| $114.79 | $10,000 | $300 | 80% |
| $160.53 | $15,000 | $300 | 90% |
Pet Insurance Costs vary based on the breed, age, deductible you choose and the coverage options. You can get free quotes instantly using HelloSafe with our partner Fetch Pet Insurance Canada.
How to contact Fetch Pet Insurance?
You can call Fetch Pet Insurance over the phone, write to them or even send them a letter via post to communicate with them. Here are the different means you can get in touch with Fetch.
| Contact Method | Details | Hours |
|---|---|---|
| Chat: Fetch pet insurance customer service | Interactive chatbot available 24/7 for questions. Live chat with member experience specialists. | Monday - Friday: 9AM - 8PM EST Saturday: 10AM - 6:30PM EST |
| Fetch pet insurance phone number (Service) | 1.866.467.3875 | Monday - Friday: 9AM - 6PM EST |
| Phone (Sales) | 1.866.984.0104 | Monday - Friday: 8AM - 9PM EST Saturday: 9AM - 7PM EST |
| [email protected] | Include your name, contact info, and details about your pet, your vet, and other relevant medical info. | |
| Mailing Address | PO Box 1489 Bolingbrook, IL 60440 | N/A |
| Licensed Sales Agent | Call 1.866.984.0104 to discuss enrolling in comprehensive pet insurance. | Monday - Friday: 8AM - 9PM EST Saturday: 9AM - 7PM EST |
Good to know
You can easily set up an account using the Fetch website or by using the Fetch app. Login on your Fetch app to find information and/or download claim forms. You can use your Fetch pet insurance login to keep up to date with your policy and any new offers. Fetch Pet Insurance Canada reviews are positive for easy policy management through the website/app.
How to cancel Fetch pet insurance?
To cancel your Fetch Insurance policy, call 866.509.0163, available Monday to Friday, 9 AM - 6 PM ET. Fetch will help you adjust your plan to better fit your needs, or assist you with cancellation if you choose to proceed. As per customer reviews, Fetch pet insurance cancellation is quite simple and quick.
Good to know
We recommend keeping or buying pet insurance to safeguard against unforeseen veterinary costs, ensuring your pet's well-being and your financial peace of mind. Read our report on how the cost of owning a pet is up by 23.3% in 3 years highlighting why it's critical to have a pet health insurance plan.
Fetch Pet Insurance vs Trupanion
You must compare multiple insurers before buying a policy, Here's a quick comparison between Fetch and Trupanion.
| Feature | Fetch Pet Insurance | Trupanion |
|---|---|---|
| Max Annual Payout | $5,000, $10,000, $15,000 | Unlimited |
| Reimbursement Rate | 70%, 80%, 90% | 90% |
| Annual Deductible | $300, $500, $700 | $0 - $1,000 (per condition) |
| Direct Vet Pay | ||
| Dental Coverage | Extensive | Extensive |
| Waiting Period | 15 days (accidents & illnesses) | 5 days (injuries), 30 days (illnesses) |
| Trustpilot Rating | 4.3 | 4.1 |
| Wellness Care (Routine and Preventive Care) | (as an add-on) | |
| Boarding | Costs extra | |
| Online vet visits | ||
| Every tooth, plus gums |
You can also use our free tool below to compare pet insurance coverage from Canada's best companies and get personalized quotes online.
Compare the best pet insurance plans on the market!
How does Fetch Pet Insurance work?
Choose Any Veterinarian: With Fetch, you can visit any veterinarian in Canada or the U.S., allowing you the flexibility to stay with your current vet or try a new one. Fetch also covers visits to specialists and emergency clinics, giving you access to a wide range of veterinary care.
Quick and Easy Claims Process: Submitting a claim is straightforward and can be done in minutes. Simply snap a photo of your veterinary documents, and provide some details about your pet's treatment.
Fast Reimbursement: Once your claim is approved, Fetch reimburses you quickly, covering up to 90% of your unexpected veterinary costs. Payments are processed via direct deposit, often within just 2 days, ensuring you get your money back fast.
How to file a Fetch Pet Insurance claim?
Gather the documents
- Finalized Invoice: Obtain a completed invoice from your vet showing the treatment provided and the full amount paid. The invoice must show a zero balance or indicate full payment.
- Detailed Medical Records: Include medical records from your pet’s recent checkup or past visits, showing their medical history. For precise documentation, ask your vet for “SOAP notes,” which should cover exam notes and lab results.
Submit Your Claim
- Log In: Access your Fetch app or online account.
- Navigate to Claims: Go to the “Claims” section.
- Submit Claim: Click on “Submit a Claim” and follow the Fetch pet insurance claim form instructions.
Claim Process
Claims are usually processed within 15 days of receiving all required documents. You’ll receive email updates, so keep an eye on your inbox. For faster reimbursement, set up direct deposit, which can get you paid 5-10 days sooner than checks.
Watch out!
Fetch Pet Insurance claims must be filed within 90 days of treatment, or they won't be covered. Submit claims quickly and easily via the Fetch app, available on the App Store or Google Play. The Fetch Pet Insurance Google reviews for the app are positive. It has a high rating of 4.8 from 3,281 votes.
Who owns Fetch Pet Insurance?
Fetch Pet Insurance, founded in September 2003 by Chris and Natasha Ashton, started as Petplan’s exclusive licensee in the U.S. The company began selling policies in July 2006 and formed partnerships with shelters, vets, and health insurers. Recently, they rebranded to Fetch Pet Insurance, retaining their comprehensive coverage with only the name and logo changed.
