# Fetch Pet Insurance Review
Fetch Pet Insurance, owned by The Dodo, offers coverage for dogs and cats with a direct focus on pet owners seeking affordable protection. The provider delivers accident and illness coverage alongside wellness add-ons that reimburse preventative care costs.
Fetch structures plans around three core tiers. Owners choose annual deductibles ranging from $250 to $1,000, which directly affects monthly premiums. The company reimburses 70%, 80%, or 90% of eligible veterinary bills after the deductible is met, with annual maximums that vary by plan selection. A $5,000 annual cap sits at the lower end, while unlimited coverage options exist for higher-tier plans.
The wellness add-on costs extra but covers routine exams, vaccinations, dental cleanings, and flea prevention. This appeals to owners who want predictable budgeting for regular vet visits. Fetch also waives waiting periods for accidents, meaning immediate coverage in emergencies.
A significant drawback: Fetch excludes pre-existing conditions permanently. Many competitors offer limited coverage after a waiting period, but Fetch does not. The platform also lacks transparency on breed-specific exclusions until after enrollment, frustrating buyers seeking upfront cost details.
Filing claims happens online through Fetch's mobile app or website. Reimbursement typically processes within 5-10 business days, faster than some competitors. The company offers direct payment arrangements with some veterinary clinics, reducing out-of-pocket expenses at the point of service.
Premiums vary widely based on pet age, breed, location, and selected deductible. A young dog in a low-cost state with a $1,000 deductible might pay $20-$40 monthly, while older or rare breeds in expensive regions can exceed $100 monthly.