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Fetch Pet Insurance Review & Pricing (2024 Guide)

Default Author Icon Written by Stephanie Koncewicz Updated 04/17/2024

Pet insurance can provide pet parents with an added level of security when it comes to their fluffy friend’s health. A pet insurance policy prevents pet owners from paying unexpected vet bills, giving them confidence about their pet’s healthcare.

Fetch, formerly Petplan is on our list of the best pet insurance providers due to the holistic care benefits, well-rounded plan, and customizable coverage caps. Keep reading as we unpack Fetch pet insurance pricing, coverage, policies, and reviews from real customers.

Key Takeaway: With its generous allowances for holistic therapies, virtual vet visits, and behavioral treatments that many other providers exclude, we scored Fetch a 91.5 out of 100—our top pick for holistic coverage options.
Fetch Pet Insurance
Best Holistic Coverage
  • Provides up to $1,000 of coverage for behavioral treatments, which is not included in most competitor plans
  • Offers more comprehensive dental benefits than most competitors and covers every tooth for illness as well as trauma
  • Provides coverage for cutting-edge options such as stem cell therapy, acupuncture, homeopathic treatments, and telehealth vet visits
  • Has a 15-day waiting period for both accidents and illnesses, which is higher than most competitor waiting periods
  • Doesn’t have an add-on option for preventive and routine care

One of the oldest names in the pet insurance industry, Petplan was founded back in 2007 by pet owners who received a $5,000 bill from a veterinarian for treating their cats. With this experience as a catalyst, Christopher and Natasha Ashton began a pet insurance company to protect pet parents against high expenses during emergencies and illnesses.

Petplan was acquired in 2019 by Warburg Pincus. Its policies are underwritten by AGCS Marine Insurance Company and XL Specialty Insurance Company, and the policies are administered by Fetch Insurance Services, LLC.

In 2022, the company was renamed Fetch, its current brand.

Fetch policies can provide pet insurance for cats and dogs in all 50 U.S. states as well as those living in Canada.

Monthly Cost
4 / 5
4 / 5
Company Reputation
4.8 / 5
4.8 / 5
Plan Options
4.5 / 5
4.5 / 5
Customer Service
4 / 5
4 / 5
5 / 5
5 / 5
Eligible Species
5 / 5
5 / 5
  • Monthly cost: Fetch’s pricing is slightly above average compared to competitors.
  • Plan options: You can choose from multiple deductibles and reimbursement rates, but wellness coverage is not available.
  • Coverage: Fetch has a comprehensive accident-and-illness plan.
  • Reputation: The provider has over a decade of experience and a high BBB score.
  • Customer service: You can connect with Fetch through its customer portal, mobile app, or online chat, but it doesn’t provide a 24/7 helpline.
  • Eligible species: Coverage is for both dogs and cats.

How Does Fetch Compare to Other Pet Insurance Companies?

Company Star Rating Monthly Cost for Dogs* Monthly Cost for Cats* Visit Site
$33.69 $13.32 VISIT SITE
$38.44 $21.53 VISIT SITE
$65.15 $53.43 VISIT SITE
$20.76 $18.47 VISIT SITE
$44.83 $24.68 VISIT SITE
$49.85 $26.55 VISIT SITE
$44.79 $16.36 VISIT SITE
Why Trust Us? Our review and rating process for the best pet insurance companies
Companies Considered We carefully considered 22 companies to find the best pet insurance providers available.
Pet Owners Surveyed We surveyed 1,000 pet owners to see what they care about most when in comes to pet insurance.
Reviews Analyzed We went through 3,800 customer reviews of pet insurance companies to see what people had to say about each provider.
Policies Compared We compared 51 policies to find the best pet insurance offerings on the market.

How Much Does Fetch Pet Insurance Cost?

While Fetch is not the cheapest pet insurance company available, its holistic scope of coverage makes it a frontrunner for pet parents who want a suite of treatment options for their pet.

When customizing a policy, pet parents can choose from the following:

  • 70%, 80% or 90% reimbursement rates
  • $250, $300, or $500 annual deductibles
  • $5,000, $15,000, or unlimited annual limit for coverage caps

To give an idea of pricing, we collected sample monthly premiums for 4-year-old cats and dogs living in Nashville, Tennessee. We chose a $250 deductible and an 80% reimbursement rate for each quote.

Fetch Sample Pricing Premiums

Species – BreedDog – Medium MixedDog – DalmatianDog – Boston TerrierCat – Domestic Medium Hair

Accident and illness plan





What Discounts Does Fetch Pet Insurance Offer?

Fetch offers an array of discounts with its policies. Eligible customers may receive up to 10% off of their plan if they meet one of the following criteria:

  • Pet parents who adopted from shelters or rescues
  • Walmart shoppers or employees
  • AARP members
  • Veterans and active military members
  • Customers with licensed medical service pets
  • Veterinarians and vet employees

The terms and conditions for these discounts are determined individually, so we recommend visiting Fetch.com for the most accurate pricing.

What Plans and Coverage Does Fetch Pet Insurance Offer?

Fetch offers a pet health insurance plan that includes coverage for both accidents and illnesses. Fetch also offers an additional wellness plan for more coverage.

Examples of incidents covered under the plan include:

Toxin ingestion
Hip dysplasia
Virtual vet visits
Heart disease
Labwork and Blood tests
X-rays and MRIs
Dental injury
Outpatient or specialist care
Skin conditions
Complete sick visits
Behavior issues
Prescription medications
Dental diseases
Cancer diagnosis and treatment
Hereditary, chronic, and congenital conditions

Like other pet insurance providers, Fetch will not cover pre-existing conditions, meaning any health problems that arose before the insurance policy was purchased won’t be covered.

In addition to pre-existing conditions, other items excluded from pet insurance coverage include:

  • Routine care checkups
  • Vaccinations
  • Teeth cleaning
  • Spay or neuter surgery
  • Cosmetic and elective procedures

Where is Fetch Pet Insurance Available?

Fetch policies can provide pet insurance for cats and dogs in all 50 U.S. states as well as those living in Canada.

How Do Customers View Fetch Pet Insurance?

Fetch holds an A+ rating from the Better Business Bureau (BBB) and holds a high rating on Trustpilot. Many of the reviews mention positive interactions with Fetch’s customer service team and the ease of filing claims with the company. Dissatisfied customers often discussed having their premiums raised substantially after their first year of coverage and lengthy wait times for reimbursement.

“Fetch has been a great pet insurance for my 12 year old Golden Retriever. He has had many problems during his life, but most recently he was diagnosed with congestive heart failure. The medicines he was prescribed by his vet have worked amazing for him, but cost about $250 a month in total. Once I hit the $450 deductible for the year, Fetch has paid 80% of the medication costs, no questions asked. It has helped tremendously at a time when we want to do everything we can for our boy. Thanks, Fetch!”

Kristen O. on Trustpilot says

“Overall very easy to submit and manage claims. Processing times sometimes can take ~15 days. Disputing an existing claim (what is covered and what is not) seems to be an issue. I’ve reached out via email and I was completely ignored, but apart from that, very happy with it.”

Rafael V. on TrustPilot says

*Data accurate as of February, 2023

Is Fetch Pet Insurance Worth it?

Fetch is a great option for pet parents looking for more holistic care, prefer telehealth services, or want robust pet insurance coverage for behavioral treatments. However, customers with older pets and certain breeds may find lower prices elsewhere. Nevertheless, perks like vacation cancellation and boarding during an owner’s hospital stay can appeal to many pet owners.

For pet owners seeking more customizable deductibles, Embrace can be an excellent option, and Healthy Paws offers unlimited coverage on all of its policies. If you’re looking for a highly rated customer service team, consider Prudent Pet.

FAQs About Fetch Pet Insurance

Does Fetch Pet Insurance cover exotic animals?

At this time, Fetch pet insurance offers pet insurance for dogs and cats. Birds, reptiles, and other animals are not covered.

How long is the waiting period for Fetch Pet Insurance policies?

The waiting period for Fetch coverage to begin is 15 days for both accidents and illnesses, which is longer than many competitors. Lemonade, for example, has a two-day waiting period for accidents and a 14-day waiting period for illnesses.

How do I file a pet insurance claim with Fetch Pet Insurance?

Once you’ve gathered your pet’s medical records and a paid itemized invoice from your veterinarian, you can log into your account on the company’s mobile app or website to submit your claim. Your account will also show the status of your claim as it’s being processed.

Is Fetch Pet Insurance the same as Petplan?

Fetch Pet Insurance was formerly named Petplan but rebranded in early 2022.

Our Rating Methodology

We are dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly pet insurance cost.

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