FETCH

Pet Insurance Review

Pet Insurance - Fetch
Pet Insurance - Fetch

This post may contain affiliate links, meaning we may receive a commission if you click a link, at no cost to you. Please read our Terms of Service for more information.

Pet Insurance - Fetch

COVERAGE

Broad scope of coverage with inclusions that are usually only obtainable with additional riders or add-ons (e.g., holistic treatments, boarding, and more)

CUSTOMIZABLE

You can choose the annual coverage limit, reimbursement rate, and deductible

VET ACCESS

Use any appropriately licensed veterinarian in the U.S. or Canada

TELEHEALTH

$1,000 per year coverage for medically necessary telehealth treatments (e.g., phone, email, text, video call, and more). Limit is tied to behavioral coverage.

Pet Insurance - Fetch

NO ACCIDENT ONLY PLAN

Accident only plans offer optional lower coverage and related cost savings

AVAILABILITY

Accident & Illness policies are not available in the Canadian provinces of Quebec and New Brunswick

REIMBURSEMENT RATE

100% not available (90% max)

CLAIM PROCESSING

You pay the vet bill directly and then file a claim for reimbursement

Pet Insurance - Fetch

FETCH HEALTH FORECAST

A personalized health handbook for your dog. The underlying technology combines artificial intelligence, veterinary care, and clinical findings from over 800,000 dogs, 500+ breeds, to predict your dog’s future health at an 85% confidence level.

    • Prescription medications & supplements

    • Emergency vet visits

    • Virtual, in-home & office visits

    • Hospital stays

    • Boarding

    • Physical therapy

    • Allergies

    • Surgeries

    • X-rays

    • CT Scans

    • Ultrasounds

    • Blood tests

    • Breed specific issues, including hip dysplasia

    • Specialists

    • Canine infectious respiratory disease

    • Sick-visit exam fees

    • Laboratory tests

    • Vomiting & diarrhea

    • Hereditary conditions

    • Congenital conditions

    • Swallowed objects & toxins

    • Every tooth covered

    • Gum disease

    • Diabetes & insulin

    • Cancer treatment

    • Acupuncture

    • Chiropractic care

    • Aromatherapy

    • Homeopathic

    • Treatment for aggression & separation anxiety

    • Lost pet advertising & reward

    and more

  • Monthly Cost starting at:

    • $10

    Annual Reimbursement:

    • $315 annual maximum

    Benefits:

    $30 Annual exam

    $10 Canine Bordetella / Feline FELV vaccines

    $10 Canine / Feline rabies vaccines

    $10 Canine DHLPP / Feline FVRCP vaccines

    $10 Canine Lyme / Feline FIP vaccines

    $30 Heartworm, flea & tick prevention

    $10 Heartworm tests

    $75 Dental cleaning

    $100 Spay or neutering

    $10 Blood test

    $10 Urinalysis

    $10 Fecal test

  • Monthly Cost starting at:

    • $20

    Annual Reimbursement:

    • $520 annual maximum

    Benefits:

    $50 Annual exam

    $20 Canine Bordetella / Feline FELV vaccines

    $20 Canine / Feline rabies vaccines

    $20 Canine DHLPP / Feline FVRCP vaccines

    $20 Canine Lyme / Feline FIP vaccines

    $50 Heartworm, flea & tick prevention

    $25 Heartworm tests

    $100 Dental cleaning

    $100 Spay or neutering

    $25 Blood test

    $25 Urinalysis

    $25 Fecal test

    $20 Microchipping

    $20 Anal gland expression

  • Monthly Cost starting at:

    • $30

    Annual Reimbursement:

    • $ 735 annual maximum

    Benefits:

    $50 Annual exam

    $25 Canine Bordetella / Feline FELV vaccines

    $25 Canine / Feline rabies vaccines

    $25 Canine DHLPP / Feline FVRCP vaccines

    $25 Canine Lyme / Feline FIP vaccines

    $60 Heartworm, flea & tick prevention

    $30 Heartworm tests

    $125 Dental cleaning

    $125 Spay or neutering

    $30 Blood test

    $30 Urinalysis

    $30 Fecal test

    $30 Microchipping

    $20 Anal gland expression

    $25 Behavioral exam

    $30 Health certificate

    $50 Activity monitor

    • Pre-existing conditions

    • Cremation

    • Claims filed more than 90 days after treatment

    • Prescription food (however, supplements recommended by a vet for an insured condition are covered)

    • Grooming

    • Cosmetic procedures

Coverages and exclusions listed are a sample with potential limitations, subject to change based on jurisdiction, age, and health. Refer to our Terms of Service for the full disclaimer. Information provided is general; it's not professional advice. Verify policy details with the company or seek advice before deciding. We're not liable for any loss or damage. External links don't signify endorsement; users are encouraged to independently research for informed insurance decisions.

AVAILABILITY

Fetch Accident & Illness policies are available throughout the United States and most provinces within Canada. Availability is subject to change.

Pet Insurance

Accident & Illness Availability by State

Pet Insurance

Accident & Illness Availability by Province

  • Accident & Illness - Annual:

    • $5,000

    • $10,000

    • $15,000

  • Accident & Illness options:

    • 70%

    • 80%

    • 90%

  • 15 days for injuries

    15 days for illnesses

    6 months hip & knee issues*

    *waiting period can be waived with a vet exam

  • Premiums

    • Premiums factor in your pet’s breed, age, and optional add-ons, if any, that you choose

    Discounts

    • 10% military

    • 10% AARP members

    Deductibles

    • Choosing a higher deductible will decrease premiums

    • Choosing a lower deductible will increase premiums

    • Options:

      • $300

      • $500

      • $700

  • Insurance partners:

    • XL Specialty Insurance Company

    • AXIS Insurance Company

    • AXIS Reinsurance Company (Canada Branch)

Pet Insurance