Introduction
Why Pet Insurance Matters More Than Ever
Let’s be real — vet bills can hit harder than expected. One minute your fur baby is fine, and the next, you’re looking at a bill that could rival your monthly rent. That’s where pet insurance steps in, turning those heart-stopping moments into manageable ones. In 2025, more pet parents are turning to insurance for peace of mind. But how do you know which provider to trust?
Quick Snapshot of Fetch Pet Insurance
Enter Fetch Pet Insurance. You might have heard about them before — maybe on social media or through a fellow pet owner. Formerly known as Petplan, Fetch is getting a ton of buzz for its comprehensive coverage and flexible plans. But is it really worth it? Let’s dig into this Fetch Pet Insurance review to find out.
What is Fetch Pet Insurance?
Company Background and Credibility
Fetch Pet Insurance has been around for a while, but after rebranding from Petplan, they’ve revamped their services, tech, and customer experience. They’re underwritten by XL Specialty Insurance Company — a solid and trustworthy name in the insurance world.
Unique Features That Make It Stand Out
What makes this company pop? For starters, Fetch offers:
- Up to 90% reimbursement
- Coverage for virtual vet visits
- No upper age limits
- Holistic treatments and therapies covered
This isn’t your average cookie-cutter insurance.
What Does Fetch Pet Insurance Cover?
Illnesses and Accidents
From allergic reactions and broken bones to chronic conditions like diabetes — Fetch covers a wide range of illnesses and injuries. If your pup eats a sock (yes, it happens), you’re covered.
Diagnostic Tests, Surgeries, and Hospitalization
If your vet recommends an MRI, surgery, or a hospital stay, Fetch steps in. They’re known for covering:
- X-rays
- CT scans
- Blood tests
- Overnight care
Holistic and Alternative Therapies
Got a dog on acupuncture or hydrotherapy? Surprisingly, Fetch Pet Insurance might reimburse those too. It’s a win for pet parents exploring non-traditional treatments.
Dental Care Coverage Explained
Fetch is one of the few insurers that cover dental illness, not just accidents. Whether it’s gum disease or a tooth extraction, they’ve got your pet’s pearly whites protected.
What Isn’t Covered by Fetch Pet Insurance?
Pre-existing Conditions
Like most pet insurance companies, Fetch does not cover pre-existing conditions — those illnesses or injuries your pet had before the policy started.
Routine and Preventive Care
Vaccinations, flea meds, and spaying or neutering? Nope, those aren’t covered under standard plans. Fetch Pet Insurance focuses on unexpected medical expenses, not routine stuff.
Fetch Pet Insurance Plans & Pricing
Customizable Coverage Options
With Fetch, you can tweak your:
- Reimbursement percentage (70%, 80%, or 90%)
- Annual limit ($2,500 to unlimited)
- Deductible ($250 to $1,000)
This makes it flexible enough to fit different budgets.
Monthly Premium Breakdown
On average, plans range from:
- $35–$70 per month for dogs
- $20–$50 for cats
Of course, pricing depends on breed, age, and location.
Deductibles, Reimbursements, and Annual Limits
Here’s a quick example:
- $500 deductible
- 80% reimbursement rate
- $15,000 annual limit
That means once you hit the deductible, Fetch pays 80% of your vet bills up to $15K.
How Does the Claim Process Work?
Step-by-Step Guide to Filing a Claim
- Visit any licensed vet in the U.S. or Canada.
- Pay the bill upfront.
- Upload your invoice using the Fetch app or website.
- Wait for reimbursement.
Average Reimbursement Time
Most users report getting reimbursed within 7–15 days. That’s pretty decent compared to other providers.
Pros and Cons of Fetch Pet Insurance
Major Advantages
✅ Covers dental illnesses
✅ Includes holistic and alternative treatments
✅ Up to 90% reimbursement
✅ No upper age limits for coverage
Common Complaints and Drawbacks
❌ Doesn’t cover wellness or routine care
❌ Claim reimbursements can take longer during high-volume periods
❌ Premiums can increase as your pet ages
Real User Experiences: Fetch Pet Insurance Review Highlights
Positive Testimonials
Many pet parents rave about:
- Fast reimbursements
- Excellent customer support
- Ease of filing claims
One user even mentioned Fetch saving them over $5,000 after their dog needed surgery.
Critical Feedback from Customers
On the flip side, some users report:
- Confusion around policy terms
- Frustration with denied claims (usually due to pre-existing conditions)
Reading the fine print always helps.
Comparing Fetch with Other Pet Insurers
Fetch vs. Healthy Paws
Healthy Paws is great, but it doesn’t cover dental illnesses or virtual vet visits like Fetch does.
Fetch vs. ASPCA Pet Insurance
ASPCA includes wellness plans (which Fetch lacks), but Fetch has better customization and holistic care options.
Fetch vs. Embrace
Embrace also covers alternative therapies but has an upper age limit for new enrollments — something Fetch avoids.
Who Should Consider Fetch Pet Insurance?
Best Fit for Dog and Cat Owners
If you’ve got a dog or cat who’s adventurous (or just prone to weird health issues), Fetch is a solid option. Especially if you prefer going the extra mile with holistic or dental care.
Is It Worth the Investment?
Absolutely — if you want peace of mind, customization, and broad coverage. Just be ready to read your policy thoroughly.
Tips to Maximize Fetch Pet Insurance Benefits
Choosing the Right Plan
Balance your monthly budget with your pet’s needs. A lower deductible means higher premiums, but quicker reimbursement.
Keeping Vet Records Organized
Fetch might request your pet’s complete medical history, so keep those vet visits documented and handy.
Final Verdict: Is Fetch Pet Insurance Right for You?
If you’re looking for a modern, customizable, and pet-friendly insurance provider, Fetch checks all the right boxes. It’s especially great if you want to go beyond the basics — like dental and alternative care — and have the flexibility to tailor your plan.
The only downside? No wellness coverage. But for everything else that could go wrong, Fetch Pet Insurance is a solid partner in your pet parenting journey.
Conclusion
In a nutshell, this Fetch Pet Insurance review shows us that it’s not just hype — it’s legit. With wide coverage, smart tech, and flexible pricing, it stands tall in the crowded world of pet insurance. Whether you’re a first-time pet owner or a seasoned pawrent, Fetch might just be the safety net you’ve been looking for.
How to Cancel Fetch Pet Insurance 2025 – A Complete Guide
FAQs
How do I cancel my Fetch Pet Insurance policy?
You can cancel any time by contacting customer support via phone or email. Make sure to cancel before your renewal date to avoid extra charges.
Can I use any vet with Fetch Pet Insurance?
Yes! Fetch lets you use any licensed vet in the U.S. or Canada, including emergency clinics and specialists.
Does Fetch Pet Insurance cover spaying and neutering?
No, spaying and neutering are not covered as they fall under routine care. Fetch focuses on unexpected medical issues.
How long does it take to get reimbursed?
On average, claims are processed in 7–15 days, though this can vary during high-demand periods.
What makes Fetch Pet Insurance different from competitors?
Fetch stands out for its coverage of dental illness, holistic treatments, virtual vet visits, and customizable plans — features many competitors lack.
