Alyssa Lane
Fetch Pet Insurance is a legitimate pet insurance company that covers thousands of dogs and cats in North America. The company offers an accident and illness plan with uncommon benefits like coverage for missing pets and dental coverage for every tooth. However, some customers have complained about unexpected premium increases and issues with claims. Fetch has received excellent ratings on Trustpilot but has also been called a scam by some customers. So, is Fetch Pet Insurance worth it? Let's find out.
| Characteristics | Values |
|---|---|
| Ratings | Rated "Excellent" with 4.5/5 on Trustpilot by 4,775 customers |
| Pros | Comprehensive coverage, easy to get a quote, covers dental care, covers exam fees for sick visits, covers breed-specific issues, covers lost pet coverage, covers behavioural therapy, covers virtual veterinarian visits, covers acupuncture and chiropractic care, covers emergency and specialist visits, covers diagnostic tests, imaging and ultrasounds, covers accidental injuries, covers illness, covers theft or straying, offers 24/7 support, offers three tiers of wellness and preventive plans, offers flexibility by offering a one-on-one call to its customer care team, offers discounts to those who adopt pets from a shelter, offers discounts to Walmart shoppers, AARP members, active and retired service members, owners of therapy and support pets and vets and employees of veterinary clinics, offers discounts for paying quarterly or annually instead of monthly, offers a simple process to get insurance, offers a proprietary app to file claims, offers quick reimbursements, offers the option to pay in instalments |
| Cons | Does not cover pre-existing conditions, premiums for older pets are high, premiums increase annually, coverage may be reduced if serious illnesses are diagnosed, does not offer accident-only plans, does not cover routine or preventive procedures such as teeth cleaning unless you’ve added wellness coverage to your plan, may drop your coverage to low amounts if you are not a customer who makes them a profit, may bill twice for the same pet, may not cover the cost of the exam fee itself |
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What You'll Learn
Fetch's coverage for dental care
Fetch pet insurance offers comprehensive dental coverage for your pets. It covers all your pet's teeth for injury and disease, including gum disease, oral tumours, and tooth trauma. It also covers tooth extractions and broken teeth. Fetch's dental coverage includes, but is not limited to, the most common dental issues in pets, such as periodontal disease, gingivitis, and tooth resorption in cats.
Fetch's standard accident and illness plan does not include dental cleanings. However, you can add dental cleaning coverage with Fetch Wellness, an add-on to Fetch Pet Insurance. The add-on covers routine and preventive dental care, such as annual teeth cleanings, which can help catch early signs of dental disease before they progress into more painful illnesses. Fetch Wellness has three tiers: Essentials, Advantage, and Prime. The Essentials plan starts at $10 a month and includes some coverage for basic care, such as annual exams, vaccinations, and dental cleanings. The Advantage plan, starting at $20 a month, includes everything in the Essentials plan with more savings and additional coverage for microchipping and anal gland expression. The Prime plan, starting at $30 a month, includes everything in Advantage with further savings on dental cleanings, vaccinations, and blood tests.
It is important to note that Fetch's coverage for dental care does not include routine or preventive procedures such as teeth cleaning unless you have added wellness coverage to your plan. Additionally, Fetch may deny coverage for dental issues that are deemed to be "pre-existing conditions". One user reported that Fetch denied coverage for their dog's teeth cleaning, claiming it was a pre-existing condition because the vet had noted plaque buildup in previous years.
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Fetch's policy for pre-existing conditions
Fetch has a mandatory 180-day exclusionary waiting period for new policies, during which any claims are considered pre-existing and excluded from coverage. Fetch also reserves the right to increase premiums as pets age, which can result in sharp increases for older pets.
Fetch does offer some coverage for curable pre-existing conditions if a pet goes symptom-free for a year. Additionally, there is no waiting period for Fetch Wellness coverage for routine and preventative care if it is added to the policy.
Fetch's accident and illness plan include uncommon benefits like coverage for missing pets, dental care, exam fees for sick visits, and breed-specific issues. The plan covers vet exam fees, tooth injuries and diseases, behavioural therapy, and virtual veterinarian visits, among other things.
Overall, Fetch's policy for pre-existing conditions appears to be relatively standard, but it is important to carefully review the terms and conditions of any insurance policy before purchasing it.
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Fetch's pricing and reimbursement
Fetch offers a single accident and illness plan for cats and dogs, with comprehensive coverage. This includes veterinary exam fees, emergency and specialist visits, tooth injuries and disease, breed-specific medical conditions, virtual veterinarian visits, diagnostic tests, imaging and ultrasounds, acupuncture and chiropractic care.
Fetch also offers three tiers of wellness and preventive plans: Essentials, Advantage, and Prime. The Essentials plan covers basics like vaccines and dental cleaning. The Advantage plan has higher reimbursement amounts and covers a couple of extra items, including microchipping. The Prime wellness plan is the most expensive but provides higher reimbursement amounts and includes reimbursement for more items, such as an activity monitor.
The cost of Fetch's pet insurance depends on several factors, including the breed of your pet, their age, and where you live. The average cost of Fetch pet insurance is $69 a month for a dog and $34 a month for a cat, for $15,000 in annual coverage, a $300 deductible, and an 80% reimbursement level.
Fetch offers a range of deductible and reimbursement options. Deductibles can range from $100 to $1,000 per year, and you can choose between 70% to 90% reimbursement rates. Fetch also has options for unlimited policy limits.
One unique feature of Fetch is that it offers coverage for missing pets and boarding fees if you're hospitalized. It also reimburses you for the cost of your pet if they die from an injury or illness.
It's important to note that Fetch does not offer accident-only plans, and coverage for older pets can be quite expensive. Fetch reserves the right to raise premiums as your pet ages, which may result in sharp increases. Additionally, Fetch has a waiting period of 15 days for illness coverage, which is shorter than some other providers.
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Fetch's customer service
However, another customer shared their experience of being billed twice for their existing coverage when trying to add another pet through the website. Although they were able to resolve the issue through a phone call, they felt that this step should not have been necessary for an existing customer.
Fetch offers 24/7 support and allows customers to file their claims on their phone via the proprietary app or online member portal. Customers can also submit their claims by uploading a picture of their paid invoice and medical records from their most recent checkup. Fetch typically processes claims within 15 days of receiving all required documents, and reimbursements can be received sooner through direct deposit.
Fetch covers various ancillary costs, such as exam fees, boarding fees for hospital stays of four days or longer, and vacation cancellation fees if customers need to stay home due to a sick pet. It also includes coverage for telehealth veterinary services, behavioural therapy, and prescription medications.
However, it is important to carefully read Fetch's policies and terms before purchasing insurance. Some customers have shared their experiences of unexpected premium increases and changes in deductible amounts.
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Fetch's policy for older pets
Fetch Pet Insurance covers dogs and cats that are 6 weeks old and above. However, the company recommends signing up your pets when they are younger so that future illnesses or injuries can be covered. There is no upper age limit for enrolment, but the cost of insurance for older pets can get very expensive. Fetch reserves the right to raise your premiums as your pet ages, which can lead to sharp increases in premiums. This is substantiated by customer reviews, with one customer stating that the premiums for their six cats, who are nearing 12 years old, have skyrocketed.
Fetch offers a comprehensive accident and illness plan with uncommon benefits like coverage for missing pets. The plan covers vet exam fees, tooth injuries and diseases, and behavioural therapy. It also covers virtual veterinarian visits, up to $1,000 per year, diagnostic tests, imaging, ultrasounds, acupuncture, and chiropractic care. Additionally, Fetch offers three tiers of wellness and preventive plans: Essentials, Advantage, and Prime.
The cost of Fetch Pet Insurance depends on the location, pet type, pet age, and breed. On average, the insurance costs about $20 per month for cats and $35 per month for dogs. Deductibles can range from $250 to $700 per year, and reimbursement amounts can be chosen at 70%, 80%, or 90% of expenses.
Fetch has a 180-day exclusionary waiting period, during which any claims will be considered pre-existing conditions and excluded from coverage. However, this waiting period can be waived for knees if a health exam within the first 30 days documents healthy knees. Fetch also requires records from the 12 months prior to the policy and states that regular check-ups are necessary.
Overall, Fetch Pet Insurance offers comprehensive coverage for older pets, but the cost can be high, and there are some exclusions and waiting periods to be aware of.
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Frequently asked questions
Fetch Pet Insurance offers comprehensive coverage for accidents and illnesses for pets with no upper age limit for enrolment. It covers vet exam fees, emergency and specialist visits, tooth injuries and diseases, behavioural therapy, and breed-specific medical conditions. Fetch also offers three tiers of wellness and preventive plans, with optional dental coverage. However, Fetch reserves the right to raise premiums as your pet ages, which can result in sharp increases. Additionally, Fetch does not cover pre-existing conditions and has been known to classify many conditions as pre-existing to avoid coverage.
Fetch Pet Insurance offers several benefits that may make it a good choice for pet owners. It covers a wide range of expenses, including emergency vet visits, dental care, exam fees for sick visits, and breed-specific issues. Fetch also provides lost pet coverage, behavioural therapy, and spay/neuter coverage. Fetch has a simple sign-up process and offers flexible coverage options, including unlimited annual coverage. Claims can be conveniently filed through the Fetch app or website, with most claims being paid within 10 days.
One significant drawback of Fetch Pet Insurance is the potential for high costs as your pet ages. Fetch reserves the right to increase premiums annually based on your pet's age, resulting in sharp increases for older pets. Additionally, Fetch does not cover pre-existing conditions, and some customers have reported issues with Fetch classifying many conditions as pre-existing to deny coverage. While Fetch offers dental coverage, it does not include routine or preventive procedures like teeth cleaning unless you purchase additional wellness coverage.
