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Fetch Pet Insurance
Reviewed by Jeffrey Hanschmann, Licensed Insurance Producer
Updated September 30, 2026
Pricing
Plans Offered
Fetch offers accident & illness coverage for dogs and cats and does not offer accident-only plans, unless eligible (see Enrollment Requirements). Fetch also offers a wellness care add-on plan.
ACCIDENT AND ILLNESSFetch covers accidents & illnesses. From injury and disease in every adult tooth to behavioral therapy, Fetch plans cover a robust amount, so you can give your pet excellent care and get money back at the same time.
Deductible Levels: $300, $500, or $700Reimbursement Levels: 70%, 80%, or 90%Annual Limit Options: $5,000, $10,000, or $15,000
What's Covered / Not Covered
COVERED (ACCIDENT & ILLNESS PLANS)
Accidents: If your pet gets injured, Fetch covers the following:
- Emergency vet visits
- Hospital stays
- Cuts & scratches
- Swallowed objects
- Broken teeth
- Broken bones
- Bite wounds
- Poisoning
- Online vet visits
Illnesses: If your pet gets sick, Fetch covers:
- Sick visits
- Vomiting & diarrhea
- Skin & ear infections
- Cancer treatment
- Dental & gum disease
- Allergies
- Arthritis
- Cherry eye
- Breed-specific issues
Tests & Diagnostics:
- X-Rays & CT Scans
- Physical therapy
- Surgeries
- Ultrasounds
- Laboratory tests
- Acupuncture & chiropractic care
- Treatment for aggression & separation anxiety
- Name-brand prescription medications
NOT COVERED
Pet insurance covers future accidents and illnesses — the things you can't see coming. Here's what typically isn't covered, so you know what to look out for in your specific policy.
Pre-existing conditionsIn general, no pet insurance covers all pre-existing conditions. A pre-existing condition is defined as any injury, illness or condition that your pet shows signs or symptoms of either before you enroll in insurance or during your policy's waiting period. These conditions will be noted in your pet's veterinary medical records. Any claims for treatment related to a pre-existing condition will not be covered — unless it's a curable pre-existing condition.
Preventive care (without Fetch Wellness)If you choose not to add an optional wellness plan to your pet's insurance policy, their preventive care (like annual exams and vaccines) won't be covered.
Claims filed after 90 daysRemember to submit claims within 90 days from the date on your pet's invoice to be eligible for reimbursement with Fetch Pet. Claims submitted after 90 days won't be covered.
Routine Care Add-Ons
What Wellness covers: annual exams, vaccines, flea & tick prevention & moreFetch Wellness works differently to your pet's Accident and Illness pet insurance. First, there's no copay, no deductible and no waiting period for Wellness coverage. Next, instead of getting paid back 70%, 80% or 90% of approved claims, you get reimbursed a set dollar amount for each type of preventive care. Take a look.
- Annual exam: You get up to $100/yr. paid backA complete check-up to make sure your pet is healthy and find any hidden signs of illness.
- Vaccinations: You get up to $125/yr. paid backProtection against infectious diseases like rabies that can cause serious illness or death.
- Heartworm, flea & tick prevention: You get up to $250/yr. paid backMedication to keep your pet safe from harmful parasites and disease-carrying insects.
- Dental cleaning: You get up to $250/yr. paid backMore than just a good teeth cleaning. A full oral exam to detect and treat dental disease.
- Spaying or neutering: You get up to $250/yr. paid backProcedures with health benefits like preventing certain cancers and behavioral issues.
- Blood, urine & fecal tests: You get up to $230/yr. paid backTests for your pet's bodily functions to catch illnesses early and detect harmful parasites.
Enrollment Requirements
- Pets must be at least 6 weeks old to enroll. There's no upper age limit.
- Senior Wellness Testing: For dogs 8+ and cats 10+, the company requires you to follow your veterinarian's advice on senior wellness testing to keep coverage in good standing.
- Pets must have been examined by a licensed veterinarian within the 12 months before the policy start date
- Residency: The insured pet must live with you at your primary address in the United States or Canada.
Waiting Periods
- Accident: No Waiting Period
- Illness: 15 days
- Orthopedic: 15 days
Please note that the waiting periods provided on this page are for general reference and can vary from state to state as well as from company to company. Please check the specific terms of your policy’s details to confirm the actual effective date of coverage.
How to File a Claim with Fetch
1) Choose a Plan:
Select a policy that fits your pet's needs and your budget.
Use PIPA's free tool to see if Fetch is the best option for you and your pet(s).
2) Pay Upfront:
Visit any licensed veterinarian in the U.S. or Canada and pay the vet directly when your pet needs care.
3) Submit Claim:
Submit a claim to get paid back through one of the following Fetch channels:- Mobile App
- Website (Online Portal)
- Fax
4) Get Reimbursed:
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back straight to your bank account when you set up direct deposit. The reimbursement amount will depend on your plan's coverage.
Discounts Offered by Fetch
You can have a maximum discount of 10% that can't be combined with any other offer.
- Military and veteran discount: 10%
- AARP Members: 10%
- Animal-care Workers: 10%
Customer Support for Fetch
Cancellation Policy
To cancel a Fetch Pet Insurance policy, you can contact customer service via phone (see above).
PIPA's Review
Fetch is a highly rated & trusted pet insurer known for:
- Every-tooth dental coverage – Fetch covers injury and disease in every adult tooth plus the gums with no dental sub-limit, subject only to the overall annual limit
- No upper age limit
- Multiple annual limit options for more customizability
- Great mobile app experience
Considerations:
- No option for paying vet directly
- No accident-only coverage offered
- Weak multi-pet discounts compared to competitors