Fetch Pet Insurance covers accidents and illnesses for dogs and cats, with an optional wellness add-on for routine care. The company covers exam fees, virtual visits, gum disease, and certain pre-existing conditions in newly adopted pets, making it the first insurer to offer this benefit.
Policyholders choose from annual benefit limits of $5,000, $10,000, or $15,000 online, with an unlimited option available by phone. Annual deductibles range from $300 to $700 for dogs and $250 to $400 for cats. Reimbursement rates are 70%, 80%, or 90% of covered costs.
The Fetch Wellness add-on starts at about $18 per month and comes in three tiers: Essentials ($212 annually, or $17.66 monthly), Advantage ($357 annually, or $29.72 monthly), and Prime ($478 annually, or $39.79 monthly). Each tier covers specific amounts for routine exams, vaccines, blood work, and other preventive care.
Fetch covers cancer treatments, surgery, specialist visits, and up to $1,000 in virtual vet visits at 100% reimbursement. Eligible members get four video vet appointments per year and unlimited chat with veterinary professionals through Fetch Online Vet at no extra cost.
The company excludes prescription food and has a six-month waiting period for hip and other orthopedic conditions, though the knee waiting period can be waived with a veterinary exam within the first 180 days. Claims must be submitted within 90 days of treatment. Customer service is unavailable on Sundays.
Fetch serves more than 600,000 active pet parents and operates in all 50 U.S. states and parts of Canada. The company insures pets as young as six weeks old.