Petch Pet Insurance
Fetch Pet Insurance offers fairly comprehensive coverage for your pets. It doesn't just cover major accidents and surgeries — it also includes vet visit fees for illnesses, dental disease, hereditary conditions, and even certain behavioral therapies.
One standout feature of Fetch is its dental coverage: it's not limited to accidentally broken teeth. Dental disease is covered too, and it covers all adult teeth in full.
| Customizable Coverage Limits | |
|---|---|
| Option | Available Range |
| Reimbursement Rate | 70% / 80% / 90% |
| Annual Deductible | Varies by pet, approximately $250–$2,500 |
| Common Annual Coverage Limits | $5,000 / $10,000 / $15,000 |
| Wellness Plan | Can be added on |
- What Makes Fetch Stand Out
| Advantage | Why It Matters |
| Strong dental coverage | Covers both dental injuries and disease |
| Sick Visit Exam Fees are covered | A single vet visit can be surprisingly expensive |
| No maximum enrollment age | Pets as young as 6 weeks can get a quote |
| Broad and comprehensive coverage | Includes hereditary conditions, rehab therapy, and more |
- Claims Process
Pay the vet first → Upload the bill and medical records to the app → Fetch reviews it → The reimbursement is deposited directly into your bank account. Fetch states that most claims with complete documentation are typically processed within about 10 days, though more complex cases may take longer.
Of course, every pet insurance company has a few things pet parents should keep in mind.
With Fetch Pet Insurance, pre-existing conditions are typically not covered, and there's no Accident-only Plan — so if you're looking for the most basic coverage possible, it might not be the best fit. Some orthopedic issues like hip or knee conditions may also have a 6-month exclusion period.
