Fetch Pet Insurance Review
Fetch (formerly Petplan) offers comprehensive coverage with flexible options and one of the best value propositions in the market. They're one of the few insurers that covers exam fees, and have no accident waiting period.
Quick Summary: Is Fetch Worth It?
Fetch offers 80% reimbursement with annual limits up to Unlimited.Monthly premiums range from $35-$120 for dogs and $25-$65 for cats.
Fetch Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Fetch:
Pre-Existing Conditions Policy
Understanding how Fetch handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
Fetch Pros
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Flexible reimbursement options (70/80/90%)
- Fast claims processing (2 days)
- No upper age limit
- Comprehensive coverage including dental illness
Fetch Cons
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
What Fetch Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- Yes Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- Yes Dental (accident)
- Yes Dental (illness)
- Yes Alternative therapy
- Yes Behavioral therapy
- Yes Physical therapy
Claims Experience
- Processing Time:2 days (direct deposit)
- Direct Vet Pay:No - reimbursement only
- Mobile App:Available
- Submit via:app, online, email
Generally positive reviews. Fast reimbursement via direct deposit. Good customer service.
About Fetch
- Headquarters:New York, NY (US-based)
- Founded:2003
- Underwriter:XL Specialty Insurance Company
- Available in:ON, BC, AB, SK, MB, NS, PE, NL, YT, NT, NUNot available in: QC, NB
Eligibility Requirements
- Minimum age: 6 weeks
- Maximum enrollment age: No limit
- No upper age limit for enrollment
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
Ready to protect your pet with Fetch?
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Fetch Head-to-Head Comparisons
Deciding between Fetch and another insurer? See the detailed side-by-side breakdowns: