About the Company
In many households, cats and dogs are a wholesome part of the family. And just like the children and loved adults in your life, accidents and illnesses can arise and threaten the health of your adored pets. Many people fund their furry friend’s healthcare expenses out-of-pocket or charge the unexpected costs to a credit card. However, others have discovered the key to lessening their financial responsibility by investing in a healthcare policy designed specifically for family pets.
Fetch by The Dodo, is a trusted insurance provider offering comprehensive coverage for a vast list of services that pets rely on to ensure their health is in its peak condition. Find out more about the company, how its policy works, and what you can expect to pay when signing up.
| Pros | Cons |
| Coverage for dental, breed-specific conditions and holistic care are included as standard. | Does not cover pre-existing conditions or routine care. |
| A straightforward coverage policy avoids confusion. | |
| Offers multiple discounts for its coverage and services from third-party partners. |
Fetch, formerly Petplan, has proudly covered the health of nearly 300,000 pets since its inception. It offers coverage across the United States and Canada and has offices stationed in New York, Pennsylvania, and Winnipeg. The team works diligently to ensure pet owners avoid facing heartbreaking decisions when it comes to affording life-saving surgeries, cancer treatments, or emergency veterinarian visits. Fetch is a team that is well-known for taking care of people who take care of their pets.
Discover why the company is trusted by numerous pet owners and various no-kill shelters throughout the U.S. and Canada.
What Does Fetch Pet Coverage Include?
While Fetch won’t cover the costs accrued by routine care or pre-existing conditions, the provider is in your corner when your pet gets sick or hurt. Its coverage is extensive and the team offers coverage to reimburse you up to 90% of unexpected vet bills for services including:
| Veterinary exam fees |
| Virtual vet visits |
| Emergency vet visits |
| Diagnostic tests |
| Specialist vet visits |
| Imaging and ultrasound |
| Comprehensive dental |
| Holistic and chiropractic care |
| Breed-specific conditions |
| Behavioral therapy |
| Complete sick visit |
| Cancer treatment |
| Injuries and illnesses |
| Surgery and rehabilitation |
Fetch is an ideal health insurance provider for families with older pets as it doesn’t enforce an upper-age limit. However, if your dog is over eight or your cat is over ten years of age, you must follow a veterinarian’s advice regarding senior wellness testing when renewing a policy.
The company is also dedicated to covering costs for insights that can improve your pet’s health and happiness. This can include the expense of supplements or prescriptions when recommended by a licensed veterinarian. Here are some other substantial coverages pet parents can benefit from when signing up with Fetch by The Dodo.
- An annual limit of $1,000 to cover reasonable costs of advertising and a reward if your pet is stolen or strays during the policy period.
- Helps cover the costs required to board your pet at a licensed kennel or cattery if you are in the hospital with an illness.
- Reimburses you for travel and accommodations if you must cancel or leave a vacation early due to a pet injury or illness.
- Repays up to $1,000 per annual term to cover the price you paid if your pet dies or has to be put to sleep if a life-saving treatment is ineffective.
Ideally, you will never need the services provided by Fetch, but a policy ensures your budget is protected from unexpected expenses.
Exclusions
While most conditions and illnesses are covered under the Fetch insurance blanket, there are some general exclusions to keep in mind. The coverages that are disqualified from a policy are standard throughout much of the pet healthcare industry and include
- Any illness treatment or diagnostic testing for health concerns that arose before the policy start date, also known as pre-existing conditions.
- Routine and preventative care like vaccinations, general examinations, or therapies for weight loss.
- Preventative treatments for parasites or conditions related to parasites.
- Elective or cosmetic procedures include docking of tails, cropping of ears, anal gland expression, and spaying or neutering.
- Issues that arise if a veterinarian recommends treatment but you fail to follow their recommendations.
There are several other common exclusions that may pertain to specific situations. You can find a complete list of the company’s transparent terms and conditions via the team’s website.
How Much Does a Fetch Policy Cost?
The price of a contract from Fetch can vary based on various factors like your pet’s breed, age, and the cost of care in your location. However, the team states on its website that the average cost for coverage is around $35 per month for dogs and $25 a month for cats. Interested customers can easily get an online, customized quote on the company’s website or by calling 866-984-0104.
When submitting an online quote we were asked for our pet’s name, breed, age, zip code, and contact information. As an example, we requested the cost of insurance for a two-year-old, mixed-breed dog that weighs over 71 pounds. The instant quote then offers a flexible scale that can help pet owners save money on the policy or make it more comprehensive for their pets. Here is how the pricing plans compare.
| Maximum annual payout | Annual deductible | Reimbursement | Monthly payment |
| $5,000 | $500 | 70% | $33.15 |
| $15,000 | $300 | 80% | $55.62 |
| Unlimited | $250 | 90% | $107.99 |
Customers can individually adjust the payout factors, deductible, and reimbursement amount for even more customization. You can also choose how you pay the annual premium. The monthly payment will result in the lowest upfront expense but paying quarterly gives you a 10% discount, and annual payments save you 20%.
How to Make a Fetch Claim
When your pet undergoes treatment for a covered illness or injury, you are responsible for covering the total cost at the veterinarian’s office. Once the invoice balance is zero, you can then file a claim with Fetch for reimbursement.
The process requires a finalized invoice that shows what your pet was treated for and the price of the visit. You will also need to turn in detailed medical records from your cat or dog’s most recent checkup so the company has data on their overall health condition.
With these two documents in hand, you can access the Fetch claim portal on its website or via its app. Claims are generally processed within 15 days after the company receives your submission. Customers receive real-time updates on the claim’s progress through email to plan for their reimbursement return date. The company suggests setting up direct deposit on its app as you will receive the payment 5–10 days faster compared to paper checks.
Customer Service and Support
Fetch by The Dodo offers various ways for customers to get in touch with its customer service team. For emergencies, you can use an interactive chatbot that’s available 24/7. If your questions can’t be answered via this resource, the live chat team is available during these hours:
- Mon–Fri, 8:00 a.m. – 8:00 p.m. EST
- Sat, 10:00 a.m. – 6:30 p.m. EST
Email (info@fetchpet.com) is another viable option as specialists expedite a response within one business day of receiving your inquiry. Questions or issues can also be resolved by contacting a customer service representative via phone at 866-467-3875. Live agents are standing by Mon–Fri, 9:00 a.m. – 6:00 p.m. EST.
Fetch Reviews
Fetch by The Dodo is well-established as one of the most trusted providers in the pet healthcare industry. Customer feedback across various review-based websites is mostly positive and the team has received an A+ rating by the Better Business Bureau.
On Trustpilot, Fetch is awarded 4.5-out-of-5 stars after over 130 reviews. Here are a couple of examples from real customers who have used the service.
“All of our cats have insurance through Fetch and it’s great! The claims process is quick and easy and I never wonder what is, or isn’t covered. We get updates at every stage of the process. I highly recommend this. As our cats get older, I expect this will save us thousands in vet bills.” — Melanie, 02/2022, 5 Stars.
“My recent experiences with Fetch are all positive. The phone app is easy to use. My claims get processed very quickly. My pooch Molly has epilepsy and has monthly recurring meds, and frequent vet checks. Fetch doesn’t throw up any roadblocks, just processes and pays my claims.” —Greg, 02/2022, 5 Stars.
The Bottom Line
With no upper-age limits, pricing flexibility, and comprehensive coverage, Fetch is a viable option for pet parents with older cats and dogs, or those aiming to save money on insurance. Its pricing and coverage allowances are transparent, helping policyholders understand their exact financial responsibilities.
One of the most significant advantages of a Fetch policy is the exceptional reimbursement rate of up to 90%. Customers also benefit from the low annual deductibles they choose upon signing up for the service. Once you reach the specified amount, your pet may receive approved medical attention without the additional fees.
If you’re planning to obtain coverage to protect your budget when a pet faces a health emergency or illness, don’t hesitate to contact Fetch by The Dodo for a free, no-obligation quote.