Fetch Pet Insurance, formerly known as PetPlan, provides accident and illness policies for dogs and cats, plus an optional wellness add-on for routine care. Its pluses include covering certain expenses that some other insurance companies exclude, such as exam fees, virtual visits, gum disease and every adult tooth — and being the first and only insurer to cover certain pre-existing conditions for newly adopted pets.

To find out whether Fetch pet insurance is a good fit for your pet, continue reading to learn about its policies and cost.

• Fetch Pet Insurance Overview
• Fetch’s Services
• Fetch’s Credentials
• Fetch’s Accessibility
• Fetch’s Customer Satisfaction
• How We Evaluated Fetch Pet Insurance
• Fetch Vs. the Competition

Fetch Pet Insurance Overview

Fetch insures pets in all 50 states and parts of Canada.

The company will insure animals as young as six weeks old — a lower minimum than most. Policyholders shopping online can choose an annual benefit as high as $15,000, and an unlimited annual benefit option is available when you enroll over the phone.

Fetch will cover a wide range of conditions and injuries, including gum disease, hereditary conditions, and behavioral therapy (reimbursed at 100% up to a $1,000 annual limit).

Fetch’s Services

Fetch's core policy covers treatments for illnesses and sudden injuries. For routine veterinary care — annual exams, vaccines, heartworm/flea/tick preventives, spay/neuter, dental cleanings and more — Fetch offers an optional Fetch Wellness add-on starting at about $15/month. Wellness is sold only as an add-on to a Fetch accident-and-illness policy.

As a policyholder, you can take your pet to any licensed veterinarian in the U.S. or Canada; you don't have to worry about staying within a certain network. You pay for your pet's care upfront and submit a claim for reimbursement. According to Fetch, you could get paid in as little as two days.

How much you're reimbursed depends on your deductible — how much of your veterinary bills you have to cover before your insurance company will pay out benefits — and the reimbursement percentage you chose when you purchased the policy. With Fetch, you can choose from the following options:

• Maximum annual benefit limit: $5,000, $10,000, or $15,000 online (an unlimited option is available by phone)
• Annual deductible:
  • $300, $500, or $700 for dogs
  • $250, $300, or $400 for cats
• Reimbursement: 70%, 80% or 90%

For example, let's say you insure your dog and choose a $500 deductible and an 80% reimbursement percentage. Your pet develops kennel cough and needs an exam and antibiotics, and the total is $500. Because that's the same amount as your deductible, your insurance company doesn't cover any of the cost; you're responsible for the entire amount.

But a few months later, your pet ingests a sock and has a blockage, requiring a $3,000 surgery. You've already reached your deductible, so the insurer will cover 80% of the cost. You'll get $2,400 back from the insurer.

Fetch pet insurance coverage

What Fetch doesn’t offer

Although Fetch covers many treatments, including some that other insurers exclude, it doesn't cover everything. The following exclusions apply:

• Pre-existing conditions: As is standard for the pet insurance industry, Fetch doesn't cover most pre-existing conditions — meaning diseases or conditions your pet developed before the policy's effective date or during the policy's waiting period. One major exception: Fetch is the first and only provider to offer Pre-Ex Protection to newly adopted pets. If your Fetch policy's effective date is within 30 days of when you adopted the pet, Fetch will cover seven named conditions commonly found in shelter pets — upper respiratory infection, ear mites, kennel cough, feline herpes, conjunctivitis, ringworm, and puppy pyoderma — even if symptoms or diagnosis occurred during that 30-day window or during the waiting period, at no extra cost and with no waiting period.
• Prescription food: Although some companies will cover food that is prescribed by a veterinarian, Fetch does not.
• Knee or hip injuries that occur within the first six months: Fetch has no waiting period for accidents and a 15-day waiting period for illnesses, but there is a six-month waiting period for knee or hip orthopedic conditions. The knee waiting period — but not the hip waiting period — can be waived if you have your pet examined by a veterinarian within the first 180 days of enrollment and your pet is cleared of related issues.
• Claims filed after 90 days: Fetch requires you to submit your claim within 90 days of the treatment date; otherwise, your claim will be denied. That's a shorter period than other companies offer, so make sure you make note of that deadline.

Fetch pet insurance costs

Pet insurance premiums are based on several factors, including your pet's age, breed, and your location. According to Fetch, customers pay the following on average:

• Dog insurance: about $34/month (with dental and TeleVet included)
• Cat insurance: about $22/month (with dental and TeleVet included)

These reference averages are based on a $5,000 / $500 / 80% configuration without the wellness add-on. Your rate will vary by breed, age, ZIP code, and the deductible/reimbursement/annual-limit options you select.

Fetch pet insurance waiting periods

Fetch Pet Insurance has no waiting period for accidents and a 15-day waiting period for illnesses. For knee and hip-related orthopedic conditions, such as cruciate ligament damage or hip dysplasia, the waiting period is six months. The six-month waiting period may be waived for knee conditions if you have your pet examined by a veterinarian within 180 days of enrollment and submit detailed medical records the first time you file a claim; the waiver does not apply to hip conditions.

Fetch’s Credentials

Fetch insurance policies are administered by Fetch Insurance Services. Policies are underwritten by Axis Insurance Company in the U.S. and Axis Reinsurance Company (Canadian Branch) in Canada.

Fetch Pet Insurance is an industry-driver-level member of the North American Pet Health Insurance Association (NAPHIA).

Fetch’s Availability

Unlike some companies, Fetch doesn't offer 24/7 live support. Its business hours are as follows:

• Monday through Friday from 9:00 a.m. until 6:00 p.m. EST
• Saturdays from 10:00 a.m. until 6:30 p.m. EST

Fetch doesn't have business hours on Sundays.

Fetch’s Accessibility

Unlike some companies, Fetch doesn’t offer 24/7 support. Its business hours are as follows:

• Monday through Friday from 9:00 a.m. until 6:00 p.m. EST
• Saturdays from 10:00 a.m. until 6:30 p.m. EST

Fetch doesn’t have business hours on Sundays.

Contact information

You can reach its customer service department in the following ways:

• Chat: You can use the Fetch chatbot to get answers to basic questions 24 hours a day, seven days a week. Live chat is available during the company's business hours.
• By phone: During Fetch's business hours, you can speak to a representative by calling 866-467-3875.
• Email: You can contact customer support by emailing info@fetchpet.com. The company aims to respond to every email within one business day.

User experience

Current policyholders and prospective customers can view policy details and get quotes online. If you already have a policy, you can log in to view your account or submit a claim. Or you can use the Fetch mobile app to submit a claim, track the claim's status, and set up direct deposit for reimbursement.

Limitations

The online chatbot is available 24/7, but live agents are not. Because Fetch doesn't have hours on Sundays, you'll have to wait until the following day to speak with a representative.

Fetch’s Customer Satisfaction

Since PetPlan became Fetch Pet Insurance, its customer-satisfaction ratings have been mixed.

Customer complaints

Fetch has an A+ rating from the Better Business Bureau and is BBB-accredited, although star ratings posted directly to the BBB profile by customers are low — a pattern that's common across the pet insurance industry, where the BBB tends to attract complaints rather than positive feedback.

By contrast, Fetch Pet Insurance is highly rated on Trustpilot. It has a TrustScore of 4.6 out of 5 based on more than 6,600 reviews. In those reviews, customers praise the company's easy claims process and quick reimbursement times.

Fetch Pet Insurance vs. The Competition

Here’s how Fetch Pet Insurance stacks up to major competitors:

To learn more, check out our reviews of Nationwide pet insurance and Trupanion pet insurance.

How We Evaluated Fetch Pet Insurance

To evaluate Fetch’s pet insurance options and determine how it measured up to industry leaders, we evaluated Fetch on several factors, including:

• Breed and age limits
• Annual or lifetime caps
• Reimbursement percentages
• Deductible options
• Waiting periods
• Exclusions
• Claims process
• Reimbursement timing
• Customer satisfaction ratings

Summary of Fetch Pet Insurance Review

Fetch Pet Insurance, formerly known as PetPlan, is one of the few companies that will insure pets as young as six weeks old, and it has no upper age limit or breed restrictions. It also offers additional coverages many competitors do not, including vacation cancellation, lost-pet rewards, up to $1,000 in medically necessary boarding fees, comprehensive coverage on every adult tooth, and the industry's first Pre-Ex Protection for newly adopted shelter pets.

Fetch also has no waiting period for accidents and only a 15-day waiting period for illnesses, both of which make it competitive with the top names in the industry. The main drawback is the six-month waiting period for hip and knee orthopedic conditions; the knee waiting period can be waived if a vet examines your pet within the first 180 days and clears them, but that waiver does not apply to hip-related injuries.

Your needs may vary, so consider getting a quote from Fetch and several pet insurers before making a decision. Check out our picks for the best pet insurance companies to jumpstart your research.

formerly known as PetPlan, is one of the few companies that will insure pets as young as six weeks old, and it has no upper age limit or breed restrictions. It also offers additional coverages that other companies do not, such as vacation cancellation, lost pet rewards and up to $1,000 in coverage for medically necessary boarding fees.

All of those make Fetch a decent choice in pet insurance, although the company often doesn’t make our picks as among the very best pet insurance companies. Longer waiting periods than most is a key reason for that. Although Fetch has a 15-day waiting period for most illnesses and injuries, it has a six-month waiting period for hip and knee injuries. The extended waiting period can be waived for knee conditions if there is a veterinary exam within the first 30 days, but that waiver does not apply to hip-related injuries.

However, your needs may vary, so consider getting a quote from Fetch and several pet insurers before making a decision. Check out our picks for the best pet insurance companies to jumpstart your research.