Fetch Insurance Review: Unveiling the Pros

Fetch Insurance Review: Unveiling the Pros

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Pet insurance is a lifeline for pet owners who seek peace of mind regarding their pet’s health. Fetch Insurance, previously known as Petplan, has earned its spot as a top pet insurance provider, boasting comprehensive coverage, customizable plans, and holistic care. In this in-depth Fetch Insurance review, we explore pricing, coverage details, policy options, and real customer feedback, offering a thorough overview of what Fetch Insurance brings to the table.


Fetch Insurance stands out for its holistic coverage, encompassing allowances for holistic therapies, virtual vet consultations, and behavioral treatments, setting it apart from its competitors. With a remarkable score of 91.5 out of 100 in our evaluation, Fetch Insurance emerges as a prime choice for pet owners in search of all-encompassing coverage.


The Pros and Cons of Fetch Insurance


Now, let’s dissect the advantages and drawbacks of Fetch Insurance:


  • Behavioral Treatment Coverage: Fetch Insurance provides up to $1,000 of coverage for behavioral treatments, a rare inclusion in most competitor plans.
  • Comprehensive Dental Benefits: The insurance offers more extensive dental coverage, including every tooth for illness and trauma.
  • Cutting-Edge Treatment Coverage: Fetch includes coverage for cutting-edge options such as stem cell therapy, acupuncture, homeopathic treatments, and telehealth vet visits.


  • Waiting Period: Fetch Insurance has a 15-day waiting period for both accidents and illnesses, which is relatively longer than most competitors.
  • No Preventive Care Add-On: Fetch Insurance doesn’t offer an add-on option for preventive and routine care.

The Story Behind Fetch Insurance


Fetch Insurance has a rich history in the pet insurance realm. Founded in 2007 as Petplan, it came to life following a personal experience of its founders, Christopher and Natasha Ashton, who received a $5,000 vet bill for their cat’s treatment. Driven by the need to provide financial security to pet owners in times of unexpected emergencies and illnesses, they embarked on a mission.


In 2019, Fetch Insurance underwent a transition, being acquired by Warburg Pincus. It operates with policies underwritten by AGCS Marine Insurance Company and XL Specialty Insurance Company. Fetch Insurance Services, LLC administers these policies. In 2022, the company was rebranded as Fetch Insurance.


Pricing and Plans


While Fetch Insurance may not be the most budget-friendly option, its comprehensive approach makes it an appealing choice for pet owners looking for a wide array of treatment options for their pets. The insurance offers a single standard plan that covers injuries and illnesses for both cats and dogs.

Although the base plan is quite comprehensive, it lacks add-ons for preventive care and wellness. This absence of wellness coverage may be a drawback for pet owners with young pets that require routine care, including vaccinations, spaying/neutering, and other preventive treatments.


Sample Pricing Premiums


When it comes to Fetch’s pet insurance pricing, the numbers can fluctuate significantly based on your location, as determined by your zip code, and various factors related to your furry friend. Fetch takes into account your pet’s species, age, breed, and gender, which collectively influence the premiums you’ll pay.


To give you an idea of what to expect, we conducted extensive research by collecting multiple quotes for different pets in Columbia, South Carolina. These quotes were based on policies offering $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement rate, giving you a glimpse of the potential costs associated with Fetch’s premiums.


While our analysis revealed that Fetch’s pricing for older pets might be notably higher than what you’d find with some competitors, it’s essential to note that Fetch’s overall pricing remains competitive with industry standards. To provide you with a more comprehensive understanding, here are sample premiums we derived from our quoted prices:


Animal Breed1 Year Old4 Years Old6 Years Old9 Years Old
Labrador retriever$38.18$55.34$79.34$132.87
Medium mixed-breed dog$32.42$40.79$65.07$110.16
Miniature poodle$29.12$40.76$58.05$98.00
Border collie$28.34$39.67$56.42$95.16
Mixed-breed cat$20.16$24.81$32.40$53.87
Maine coon cat$27.82$35.15$43.60$66.64
Persian cat$24.09$30.31$37.46$56.98
Abyssinian cat$34.70$44.13$54.95$84.51


These figures offer a glimpse into the range of premiums you might encounter when considering Fetch’s pet insurance, with pricing varying notably based on your pet’s age, breed, and other factors. It’s essential to keep in mind that while premiums for older pets may be higher, Fetch’s competitive pricing ensures that you receive value for the coverage you choose.




Fetch Insurance offers an assortment of discounts with its policies. Eligible customers can enjoy up to a 10% discount on their plan if they meet certain criteria, such as:

  • Pet owners who adopted from shelters or rescues.
  • Walmart shoppers or employees.
  • AARP members.
  • Veterans and active military members.
  • Customers with licensed medical service pets.
  • Veterinarians and vet employees.

The terms and conditions for these discounts are assessed individually, so for the most precise pricing based on your specific situation, we recommend visiting Fetch’s official website.


Fetch Insurance Plans and Coverage


Fetch Insurance provides a single pet health insurance plan that includes coverage for accidents and illnesses. The plan encompasses a wide range of incidents and conditions, including:

  • Hereditary, chronic, and congenital conditions.
  • Dental injuries and diseases.
  • Cancer diagnosis and treatment.
  • Behavior issues like aggression, phobias, or separation anxiety.
  • Hospitalization.
  • Surgery.
  • Outpatient or specialist care.
  • Toxin ingestion.
  • Hip dysplasia.
  • Skin conditions.
  • Heart disease.
  • Expenses related to canceled vacations due to a sick pet.
  • Advertising and reward fees for lost pets.
  • Rehabilitation and physical therapy after an accident.
  • Prescription medications.
  • Virtual vet visits.

The plan also covers various tests and diagnostics, including:

  • Complete sick visits.
  • X-rays.
  • MRIs.
  • Lab work.
  • Blood tests.
  • Ultrasounds.


Coverage Exclusions


As is the case with other pet insurance providers, Fetch Insurance will not cover pre-existing conditions, which refers to any health problems that existed before the insurance policy was purchased. In addition to pre-existing conditions, other items excluded from pet insurance coverage include:

  • Routine care checkups.
  • Vaccinations.
  • Teeth cleaning.
  • Spaying or neutering surgery.
  • Cosmetic and elective procedures.


Fetch Insurance State Availability

Fetch Insurance policies are available to pet owners in all 50 U.S. states, as well as those living in Canada.


Compare Pet Insurance Companies


BrandTop ChoiceOverall Rating
LemonadeBest All-Around4.8/5
SpotTailored Plans4.6/5
EmbraceDeductible Leaders4.7/5
ASPCAIdeal for New Pet Parents4.5/5
Fetch InsuranceHolistic Care Specialist4/5
Healthy PawsLimitless Coverage4.5/5
Prudent PetComprehensive Coverage4.5/5
FigoExtra Coverage Excellence4.7/5
PumpkinDental Health Focus4/5


Our Conclusion


Fetch Insurance presents an appealing choice for pet owners seeking holistic care, telehealth services, and robust coverage for behavioral treatments. However, customers with older pets or certain breeds may find more competitive pricing elsewhere. Nevertheless, perks like coverage for vacation cancellations due to a sick pet and boarding during an owner’s hospital stay can be highly appealing to many pet owners.


For those seeking highly customizable deductibles, Embrace can be an excellent alternative, and Healthy Paws stands out with its unlimited coverage options. If a highly-rated customer service team is your priority, consider Prudent Pet.



How can I reach Fetch’s customer service?

You can reach Fetch’s customer service through various channels:

      1. Website: Utilize the 24/7 chatbot feature, explore the FAQ section, or contact them via live chat Monday through Saturday.
      2. App: Access the app to interact with the 24/7 chatbot feature.
      3. Phone: Contact customer support at 866-467-3875, available Monday through Friday.
      4. Email: Reach out via email.
      5. Mail: Traditional mail is also an option.


Do Fetch pet insurance policies have a coverage waiting period?

Yes, Fetch Insurance has a 15-day waiting period for both accidents and illnesses.


How much is Fetch pet insurance?

According to Fetch’s website, dogs cost $35 and cats $20 per month. Puppy and kitten insurance policies could be cheaper.


Is Fetch the same as Petplan?

Fetch was formerly known as Petplan in 2019, Petplan was acquired by Warburg Pincus, and in 2022, the company was rebranded as Fetch. Therefore, Fetch is the evolved form of Petplan under new ownership and branding.


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