Fetch Insurance Review

Providing pet owners with affordable, comprehensive coverage when they need it most, Fetch is one of the most trusted insurance providers who’s committed to giving your pet the type of policy they deserve. No hidden fees, unnecessary add-ons, or complicated claims processes, Fetch makes pet insurance simple so you get total peace of mind the next time an accident or illness occurs. 

Featuring well-rounded policies that are simplified and easy to understand, Fetch is on a mission to help you provide a happier, healthier life for your dog or cat. Regardless of age or breed, Fetch extends their coverage to all dogs or cats over the age of 6 weeks and will assist with eligible costs for new conditions that appear throughout their lifetime.

Not only does Fetch include coverage for common vet visits such as those related to accidents or illnesses, but they also have additional coverage for fees and treatments that many other providers exclude. From exam fees to holistic coverage, and even dental injuries or diseases, Fetch has you covered at no extra charge and will save you more on every visit.

Allowing you to get your dog or cat the best care possible whenever they need it, Fetch reduces the stress and worry that comes along with pricey trips to the clinic and lets you focus on what's most important - your pet’s well-being. With the ability to visit any licensed vet of your choosing within the USA or Canada, and a hassle-free claims process, it’s easy to see why Fetch is one of the most trusted providers on the market.

One of the things that sets Fetch apart from other insurance providers is the fact that they offer much more comprehensive coverage. Including costs that others typically exclude, Fetch helps to put more money back in your pocket every time your dog or cat needs to visit a vet. These well-rounded plans not only save you additional money, but they also mean your pet gets access to better care without any extra hassle.

Allowing you to visit any licensed vet in the USA or Canada, your policy from Fetch will include all of the core things you expect from your insurance provider as well as additional coverage for things like:

Not all pets and their owners are the same, so why should all pet insurance policies stick with a one-size-fits-all model? Fetch understands that different people have different needs, and budgets, which is why they offer customizable plans that are affordable for everyone. Allowing for you to pick the perfect annual limits, deductibles, and reimbursement percentages, Fetch tailors each plan so you pay only for what you want, without any extra costs.

With Fetch there are no lifetime limits, and instead, each policy features an annual cap that you choose. Confident your pet won’t require any expensive treatments or surgeries? A $5,000 annual limit might be the best for you. Want to make sure you have adequate coverage for most emergencies but also want a budget-friendly plan? Fetch most popular $15,000 annual limit will be a great choice. Are you someone who always wants to be prepared for the unexpected? Fetch also offers an unlimited option where there is no cap on how much you can be reimbursed for every year. 

Once you have settled on an annual limit, you will then need to decide which annual deductible you prefer. With an option for $250, $300, or $500 this is going to be the amount you need to spend out of pocket before your insurance coverage will kick in. A higher deductible means a lower monthly premium, so you are going to want to find that happy medium between savings in the moment, and savings down the road.

Along with the annual limits and deductibles, Fetch also allows for reimbursement customization. Set at 70%, 80%, or 90% this is the amount that you will be reimbursed back for all eligible vet visit expenses. The majority of pet owners tend to find 80% is that perfect sweet spot which keeps your monthly premiums low but also puts more money back in your pocket after each visit.

Receiving your reimbursement is simple and straightforward, and Fetch ensures the process is as quick as possible so you aren’t left waiting around. Deposited directly into your bank account, or sent via check to your home, you can expect to see that reimbursement in as little as 5 to 7 business days. Those who use the Fetch app not only find that the process is smoother, but that their reimbursement is also processed much faster and without as much back and forth.

Pricing for pet insurance depends on a number of different factors, and what you ultimately pay each month may be different than someone else. Fetch takes numerous things into account when calculating your premium, such as:

Since Fetch policies are so personalized, the best way to find out how much insurance would cost is to use the free online quote calculator on the Fetch website. Obligation-free and with no fees associated with it, the quote calculator will allow you to play around with your policy and see exactly how much your monthly premiums will be. It only takes a few short moments to use and is the most accurate way of checking the cost for your pet.

After you answer a few short questions, Fetch will provide you with an accurate quote for how much you would be paying every month in premiums. There is no obligation to continue with enrollment unless you are happy with your quote, and you can keep adjusting the numbers until you find something that fits your needs and budget.

Once you are satisfied, you can continue to finalize your policy and then check-out directly on the Fetch website. There is no sign-up fee associated with creating a policy through Fetch, and the only thing you will be charged for is your monthly premiums. Policies go into effect 24 hours after enrollment, and there are no lengthy waiting periods before you can start visiting a vet. With that said, Fetch does require a full vet exam to be completely in order to have your policy become effective. If you have had this done within the last 6 months then you can simply submit those records, but if it has been longer than 6 months then you will need to take your pet into the vet at your own expense. This initial exam must be completed within 30 days of enrolling for coverage otherwise you risk voiding your policy and losing out on your future coverage.

Unlike other insurance providers, Fetch doesn’t charge you extra for anything and your policy will cover your dog or cat for all eligible expenses without you having to pay more. Although they don’t offer wellness or preventative care packages, they do build many of these extra benefits into their core plan, so you get to enjoy comprehensive dental as well as holistic care with your standard policy.

If you are interested in learning more about Fetch, or you would like to get a free quote and begin the enrollment process, you can visit them directly on their website. There you will find everything you need to get started as well as direct access to their free, no-obligation quote calculator.

Not a fan of doing things online or prefer to speak with someone over the phone? Fetch representatives can be reached by phone at 866-509-0163. There is also an online chat option for both new and existing customers which can be accessed via the website.