Fetch Pet Insurance Review: Honest Insights Every Pet Parent Should Know in 2025
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?
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.
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.
What makes this company pop? For starters, Fetch offers:
This isn’t your average cookie-cutter insurance.
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.
If your vet recommends an MRI, surgery, or a hospital stay, Fetch steps in. They’re known for covering:
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.
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.
Like most pet insurance companies, Fetch does not cover pre-existing conditions — those illnesses or injuries your pet had before the policy started.
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.
With Fetch, you can tweak your:
This makes it flexible enough to fit different budgets.
On average, plans range from:
Of course, pricing depends on breed, age, and location.
Here’s a quick example:
That means once you hit the deductible, Fetch pays 80% of your vet bills up to $15K.
Most users report getting reimbursed within 7–15 days. That’s pretty decent compared to other providers.
✅ Covers dental illnesses
✅ Includes holistic and alternative treatments
✅ Up to 90% reimbursement
✅ No upper age limits for coverage
❌ Doesn’t cover wellness or routine care
❌ Claim reimbursements can take longer during high-volume periods
❌ Premiums can increase as your pet ages
Many pet parents rave about:
One user even mentioned Fetch saving them over $5,000 after their dog needed surgery.
On the flip side, some users report:
Reading the fine print always helps.
Healthy Paws is great, but it doesn’t cover dental illnesses or virtual vet visits like Fetch does.
ASPCA includes wellness plans (which Fetch lacks), but Fetch has better customization and holistic care options.
Embrace also covers alternative therapies but has an upper age limit for new enrollments — something Fetch avoids.
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.
Absolutely — if you want peace of mind, customization, and broad coverage. Just be ready to read your policy thoroughly.
Balance your monthly budget with your pet’s needs. A lower deductible means higher premiums, but quicker reimbursement.
Fetch might request your pet’s complete medical history, so keep those vet visits documented and handy.
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.
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.
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.
Yes! Fetch lets you use any licensed vet in the U.S. or Canada, including emergency clinics and specialists.
No, spaying and neutering are not covered as they fall under routine care. Fetch focuses on unexpected medical issues.
On average, claims are processed in 7–15 days, though this can vary during high-demand periods.
Fetch stands out for its coverage of dental illness, holistic treatments, virtual vet visits, and customizable plans — features many competitors lack.
Introduction Ever walked into Walmart Vision Center and wondered, “Does Walmart accept Cigna Vision Insurance?”…
Let’s be real—vision insurance can feel like a maze. You’ve got coverage, but the big…
Life happens, priorities shift, and sometimes, even the best plans—including pet insurance—need to be canceled.…
Introduction Ever had that sinking feeling after an accident and heard the dreaded words from…
If you’re cruising through your 40s or 50s thinking, “I’ll worry about that later,” when…
Introduction to Google Doodles What Is a Google Doodle? You’ve probably noticed it—some days, Google’s…