Fetch pet insurance has been evaluated with a rating of 1.4 out of 5 stars. The company's policies provide relatively generous coverage, but the high cost significantly lowered its score in the assessment.
One notable feature is that curable preexisting injuries or illnesses become eligible for coverage if the pet shows no signs, symptoms, or treatment for 12 months. Policies also include reimbursement for the purchase price if a pet dies and coverage for lost travel costs when vacations are canceled due to a pet's illness or injury.
The insurance covers dental illness, acupuncture, chiropractic care, and reimburses for smaller costs like advertising and rewards for lost pets. However, it has a high average cost and does not offer a multi-pet discount.
Policyholders can choose annual maximum limits of $5,000, $10,000, or $15,000. Deductible options are $300, $500, or $700 for dogs and $250, $300, or $400 for cats. Reimbursement choices are 70%, 80%, or 90%. A Fetch representative stated that customized choices, including unlimited limits and deductibles in $50 increments from $250 to $2500, are available by calling 1-866-984-0104.
Waiting periods include up to 15 days for accident coverage from normal activity, with no waiting period for unexpected events. Illness coverage has up to a 15-day waiting period. Special waiting periods of 6 months apply for cruciate ligament problems, patella issues, and hip dysplasia.
Pets as young as 6 weeks can be insured, with no maximum age limit. Fetch sells an accident and illness policy along with a wellness plan.
The accident and illness policy covers vet exam fees, hereditary and congenital conditions, diagnostics like X-rays and ultrasounds, dental accidents and illnesses, behavioral therapy for aggression and separation anxiety, alternative therapies, prescription drugs, up to $1,000 for pet telehealth visits, advertising rewards for lost pets, cost of the pet if it dies, vacation cancellation costs, boarding fees if the policyholder is hospitalized over 96 hours, and breeding complications if pregnancy occurs after the waiting period.
Wellness plans include Essentials, Advantage, and Prime options. Essentials covers up to $315 annually starting at $15 per month, Advantage covers up to $520 annually starting at $25 per month, and Prime covers up to $735 annually starting at $38 per month. All plans reimburse for annual exams, blood tests, dental cleaning, heartworm tests, prevention medications, spaying and neutering, urinalysis, fecal tests, and vaccines. Advantage and Prime cover anal gland expression and microchipping, with Prime also covering behavioral exams, activity monitors, and health certificates.
Fetch does not cover preexisting conditions, defined as those with prior veterinary advice, treatment, or symptoms. However, curable preexisting conditions like broken bones or infections are covered after 12 months without signs or treatment. The insurance does not include access to a 24/7 vet telehealth line.
Exclusions include bathing unless medically necessary, cremation, degenerative disorders, elective procedures, euthanasia unless recommended, experimental treatments, grooming, injuries from abuse or neglect, obedience classes, preexisting bilateral conditions, prescription food, and weight-loss treatment.
Coverage can be increased or decreased during the policy term. Increases require no prior claims and may reset waiting periods, while decreases can be made anytime. All changes need written or verbal confirmation.
Fetch had the highest-priced policy in evaluations for plans with a $5,000 annual limit. Its average premium for such coverage is significantly higher than the industry average. The company does not offer a multi-pet discount, unlike most competitors that provide 5% or 10% discounts.
Policyholders must pay vets directly and submit claims for reimbursement, though special arrangements for direct payments can be requested for large bills. Claims require detailed paid invoices and recent medical records, with submission possible online or via the Fetch app. Direct deposit speeds up reimbursements by 5 to 10 days. Denied claims can be appealed within 90 days.
Claims must be submitted within 90 days of a vet visit. Fetch processes claims within 15 days and pays in as few as two days with direct deposit.
The Fetch mobile app has high ratings—4.8 stars on both the App Store and Google Play—and allows uploading records, submitting claims, tracking status, and setting up direct deposit. Policyholders also get discounts on pet products and access to an online pharmacy.
Fetch is available in all 50 U.S. states, Washington D.C., and Canada. Policies require a pet exam within 12 months before or 30 days after policy start to avoid reduced coverage.
Customer service can be reached by phone, email, mail, or interactive chat. The sales team is at 1-866-984-0104 (ET hours), the service team at 1-866-467-3875 (ET hours), email at [email protected], mail at P.O. Box 1489, Bolingbrook, IL 60440, and chat on Fetch.com.
Policies can be canceled anytime by calling or emailing. Full refunds are given within 30 days if no claims are filed; after that, refunds are prorated.