Fetch Pet Insurance: Is It Worth Checking Out This 2025?

With veterinary costs on the rise and pet owners seeking smarter ways to protect their furry friends, Fetch Pet Insurance has been gaining serious attention. But does it truly offer the coverage, savings, and peace of mind it promises? As we step into 2025, it’s time to take a closer look at what makes Fetch stand out—and whether it’s the right choice for your beloved dogs or cats.

 

Historical Overview of Fetch Pet Insurance

Fetch Pet Insurance began as Petplan in the early 2000s and rebranded in 2020 through a partnership with The Dodo. This transformation brought a fresh focus on modern coverage, digital tools, and community-building around pet wellness. Now serving pet owners across the U.S. and Canada, Fetch has earned a reputation for offering flexible, comprehensive insurance plans for dogs and cats, helping families save on unexpected vet bills.

 

Insurance Coverage Details

Fetch Pet Insurance offers extensive coverage designed to support pet owners through unexpected health issues and emergencies. With flexible plans for both dogs and cats, the insurance aims to minimize out-of-pocket veterinary expenses while ensuring pets get the care they need.

 

 

What They Cover

• Accidents and injuries
• Illnesses (including chronic and hereditary conditions)
• Diagnostic tests (X-rays, MRIs, blood work)
• Hospitalization and surgeries
• Prescription medications
• Virtual vet visits
• Behavioral therapy

 

 

What They Don’t Cover

• Pre-existing conditions
• Routine wellness and preventive care (e.g., vaccinations, dental cleanings)
• Cosmetic procedures
• Breeding or pregnancy-related costs
• Non-veterinary expenses (e.g., grooming, training)

 

 

Additional Insurance Benefits

• Coverage valid across the U.S. and Canada
• Free quote tool for tailored estimates
• Discounts for multiple pets
• Flexibility to choose your own vet
• Coverage for alternative therapies (e.g., acupuncture, chiropractic care)

 

Fetch Insurance Waiting Period

Like most pet insurance providers, Fetch includes a waiting period to prevent immediate claims on pre-existing conditions.

 

• Accidents and Illnesses: Fetch enforces a 15-day waiting period after enrollment before it covers any accidents or illnesses. Any issue occurring within those first two weeks will not be eligible for reimbursement.
• Orthopedic Conditions (e.g., cruciate ligament injuries): There is a longer 6-month waiting period for orthopedic issues in dogs. However, Fetch allows policyholders to waive this if a vet performs and documents a complete orthopedic exam within the first 30 days of the policy.
• Effect on Coverage Eligibility: Any condition diagnosed or showing symptoms during the waiting period will be considered pre-existing and permanently excluded from coverage.
• Waiver Option: The 6-month waiting period for orthopedic conditions can be waived through a vet examination, offering some flexibility to new enrollees with active pets.
• Planning Tips: Pet owners are advised to enroll early, ideally before their pets show any signs of illness or injury, to ensure full access to coverage after the waiting periods end.

 

Paying Your Pet’s Vet Bill with Fetch

Fetch makes it simple for pet owners to manage veterinary expenses by offering a straightforward reimbursement process. After your pet receives treatment, you’ll pay the vet directly, then submit a claim to Fetch for reimbursement based on your coverage. Here’s how it works:

 

1. Visit the Vet – Take your dog or cat to any licensed veterinarian in the U.S. or Canada for treatment. Fetch allows you to choose your preferred vet, clinic, or specialist without restrictions.
2. Pay the Bill Upfront – You’re responsible for paying the vet bill at the time of service. Keep a copy of the itemized invoice and any relevant medical records, as you’ll need them for your claim.
3. Submit a Claim – Use the Fetch app or website to upload your documents and submit your claim. The process is digital and user-friendly, allowing you to track progress in real time.
4. Fetch Reviews Your Claim – The claims team will evaluate your submission, checking coverage eligibility, the condition treated, and your policy details (like your deductible and reimbursement rate).
5. Get Reimbursed – Once approved, you’ll receive a direct deposit or mailed check for the covered portion of the vet bill—helping you save while still getting quality care for your pet.

 

How to Process Your Fetch Pet Insurance Application

Applying for Fetch Pet Insurance is a quick and straightforward process designed to help pet owners secure coverage without hassle:

 

 

1. Research Plan Options

Start by exploring the different coverage levels Fetch offers. Plans can be customized based on factors like reimbursement rate, deductible, and annual coverage limits to suit your budget and your pet’s needs.

 

 

2. Gather Application Requirements

Before applying, make sure you have the necessary information and documents ready:

 

• Pet details: Name, breed, age, and medical history
• Veterinary records: Especially helpful for confirming no pre-existing conditions
• Owner contact info: Including address and preferred payment method
• Preferred coverage start date: So you can plan around the waiting period

 

 

3. Get a Free Quote

Visit the Fetch website and use the quote tool. Input your pet’s details to receive an estimate tailored to your chosen plan and location.

 

 

4. Customize Your Coverage

Adjust plan settings like deductible, reimbursement percentage, and annual limit. This helps balance your monthly premium and potential savings on vet bills.

 

 

5. Submit Your Application

Once everything looks good, complete and submit your application online. You’ll receive confirmation and policy documents via email shortly after.

 

 

6. Wait for Coverage Activation

Be aware of the 15-day waiting period (and 6 months for orthopedic conditions). Plan your vet visits accordingly to avoid uncovered expenses during this time.

 

Fetch Insurance Costs

Fetch Pet Insurance offers flexible pricing based on your pet’s age, breed, location, and the coverage you select. Monthly premiums can vary widely, but the ability to customize deductibles, reimbursement rates, and annual limits helps pet owners find a plan that suits their budget. Below is a sample breakdown of potential monthly costs for different scenarios:

 

 

Are There Any Discounts with Fetch?

Yes, Fetch Pet Insurance offers several discounts to help pet owners save on coverage. One of the most notable is the multi-pet discount, which reduces your premium when you insure more than one pet under the same account. Additionally, Fetch occasionally provides promotional offers or limited-time deals, especially for new customers or those referred by friends.

 

While discounts vary, they can make a meaningful difference in your annual costs—so it’s worth checking for any available savings when you request your quote.

 

Fetch Pet Insurance Customer Support

Fetch Pet Insurance provides several ways to connect with their support team, whether you need help with claims, coverage questions, or account changes. Here are the key contact details:

 

 

Cancellation Policies

Fetch Pet Insurance offers a flexible cancellation policy that allows pet owners to end their coverage at any time. To cancel, you simply need to contact their customer service team via phone or email with your policy details. If you cancel within the first 30 days and haven’t submitted a claim, you may be eligible for a full refund. After that period, cancellations are processed based on your billing cycle, and any unused premium may be refunded accordingly.

 

Pros and Cons of Fetch Pet Insurance

While Fetch Pet Insurance offers comprehensive coverage and flexible options for pet owners, it’s important to weigh both the advantages and potential drawbacks before committing. Here's a quick comparison to help you decide if Fetch is the right fit for your pet's needs:

 

 

Is Fetch Pet Insurance Worth It?

Yes, Fetch Pet Insurance is worth considering if you want comprehensive, customizable coverage for unexpected vet bills. While it doesn’t include routine care, its broad protection for accidents, illnesses, and even behavioral issues makes it a solid choice for many pet owners—especially those looking to save on high-cost emergencies.

 

Final Thoughts

With its flexible plans, broad coverage, and growing reputation, Fetch Pet Insurance stands out as a strong option for pet owners in 2025. If you're looking to protect your pets while keeping unexpected costs in check, Fetch may just be worth the click.