Fetch pet insurance review
Fetch scores 7.6/10 in our rankings. For dogs, it's best for older dogs Covers dental disease and behavioural care others exclude — but sits mid-table on price with a middling cap. For cats, it's best for senior cats Genuinely covers dental disease, which most exclude — mid-table price and a modest annual cap. Quotes for a healthy one-year-old animal typically start around $47/mo for dogs or $27/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $15k
- Deductible
- $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch)
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- No waiting period from the policy effective date / Up to 15 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $5,000, $10,000 or $15,000 (higher limits available by contacting Fetch directly)
Deductible: $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch)
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes — Fetch Wellness is sold as an add-on to an existing accident & illness policy, not standalone.
Waiting periods
- Accidents: No waiting period from the policy effective date
- Illness: Up to 15 days
Pre-existing conditions
Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Who Fetch is not for
Owners chasing the largest possible annual cap off the shelf — $15,000 is the top listed tier, lower than Embrace or Spot’s unlimited options — though Fetch says higher limits exist by request.
Questions about Fetch
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.