Fetch pet insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 5:00 a.m. UTC May 6, 2024
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Pros
- Low prices, because the maximum annual coverage is lower than competitors.
- Offers remote telehealth vet appointments.
- Covers up to $1,000 per year for advertising a lost pet and offering a reward.
- Covers up to $1,000 for canceling a vacation to care for a sick pet.
Cons
- Maximum annual coverage option is $15,000.
- No 24/7 vet helpline.
- No multi-pet discount.
- No accident-only plan.
Why trust our pet insurance experts
Our team of pet insurance experts evaluates hundreds of pet insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 4,000+ pet insurance rates reviewed.
- 500+ coverage details evaluated.
- 5 levels of fact-checking.
About Fetch pet insurance
Fetch pet insurance plans offer valuable extra features, but premiums are high compared to other pet insurers. Only cats and dogs can get coverage from Fetch and the only plan available is the comprehensive pet plan for accidents and illnesses. There is also an annual cap of $15,000, which can limit some pet owners if their furry companion has a serious medical event.
Fetch pet insurance rates
Your pet’s age and breed are the main factors in your pet insurance premium. To show you what Fetch pet insurance costs could be, we compared rates for the following dog breeds with costs averaged across 25 ZIP codes.
| DOG BREED | WITH $5,000 ANNUAL COVERAGE | WITH UNLIMITED COVERAGE |
|---|---|---|
Small mixed breed
| $28
| $36
|
Medium mixed breed
| $38
| $51
|
Large mixed breed
| $49
| $66
|
Beagle
| $40
| $55
|
Bulldog
| $82
| $112
|
Dachshund
| $32
| $43
|
French bulldog
| $80
| $110
|
German shepherd
| $52
| $72
|
Golden retriever
| $50
| $68
|
Labrador retriever
| $46
| $62
|
Poodle
| $35
| $48
|
Rottweiler
| $81
| $111
|
Source: Petinsurer.com. Rates are based on the average monthly cost of pet insurance for dogs at ages 3 months and 3 years, with a $250 deductible and 80% reimbursement level.
What Fetch pet insurance covers
Fetch pet insurance offers the following coverages:
- Accidents.
- Acupuncture and chiropractic care.
- Allergies.
- Blood testing.
- Congenital, hereditary and breed-specific conditions.
- CT scans.
- Emergency care.
- Exam fees for sick visits.
- Hospitalization.
- Illnesses.
- Laboratory testing.
- Physical therapy.
- Prescription medications and supplements.
- Specialist care.
- Surgery.
- Treatment for aggression and separation anxiety.
- Ultrasounds.
- Virtual, in-home and office visits.
- X-rays.
What Fetch doesn’t cover
There are a few things Fetch doesn’t cover, including:
- Claims filed over 90 days post treatment.
- Cosmetic procedures.
- Grooming.
- Pre-existing conditions.
- Prescription food.
- Preventive and routine care.
Fetch vs. competitors
| PET INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY DOG INSURANCE | AVERAGE MONTHLY CAT INSURANCE | Learn More | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $44 | $25 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $59 | $32 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $52 | $23 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $46 | $27 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $76 | $47 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $47 | $43 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
 Paw Protect | $77 | $47 | See Plans Via Comparecoverage.com | |||||||
|
Source: PetInsurer.com. Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage for a dog insurance accident and illness plan. These average pet insurance company rates are based on dogs and cats of various ages, breeds and ZIP codes.
Methodology
To find the best pet insurance, we analyzed 15 pet insurance companies using data provided by PetInsurer.com.
Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:
Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for dogs with the highest level of coverage available, a $500 deductible and a 90% reimbursement percentage.
Annual coverage limits: 10 points. Pet insurance companies that offer an annual reimbursement level of $100,000, or unlimited annual coverage scored in this category.
24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored full points. Wellness plans can reimburse you for preventative care for your pet.
Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
Multipet discount: 5 points. Pet insurance companies that offer a discount for insuring more than one pet received full points.
Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, a pet insurance company scored in this category.
Fetch pet insurance review FAQs
You do not need pet insurance to own a pet in any state. However, pet insurance may be a great way to save money on your pet’s unexpected accidents and illnesses. Comparing pet insurance quotes and the savings it would provide with the cost of vet bills for an emergency or unexpected visit can help you decide if pet insurance is worth it to you.
Fetch pet insurance is no longer called Petplan. Even though the name and logo have changed, the coverage and plan offerings remain the same.
No, Fetch does not pay directly to the vet. Fetch pet insurance works as a reimbursement, so you’ll pay the vet up front for the full bill and get reimbursed for covered expenses. Reimbursement amounts will vary and depend on your deductible, reimbursement percentage and if you’ve met your annual coverage limit for the year.
No, your pet insurance cost will not go up if you make a claim. However, your pet’s age and veterinary cost increases can cause your pet insurance premium to go up. If your state’s insurance regulatory agency approves a pet insurance company’s rate increase request, you could also see a premium change.
Compare rates: How much pet insurance costs
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
