Fetch pet insurance review

Item: Fetch Pet Insurance
Rating: 7.6
Author: WhichPetPlan editorial team

Covers: Dogs & Cats · Last verified 2026-08-17

A quote from Lemonade, if you want one today

We do not earn a commission from Fetch. Lemonade is a paid alternative we can send you to. It is not a Fetch enrollment link, and it is not a ranking of Lemonade over Fetch. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.

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.

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Short answer

Fetch pet insurance is our 7.6/10 dog plan and 7.5/10 cat plan. The reason to look at it is dental disease and behavioural care in the base accident and illness policy, which most of the eight insurers we review exclude. The listed annual cap tops out at $15,000 unless you ask Fetch for a higher limit. Illustrative starting estimates are about $47/mo for a healthy one-year-old dog and $27/mo for a cat. Those are not quotes. WhichPetPlan does not earn a commission from Fetch.

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.

Not sure Fetch is the right fit?

The Advisor ranks all eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.

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A quote from Lemonade, if you want one today

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.

Get a quote from Lemonade

The exclusions cheat sheet

A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.

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Questions about Fetch

Does Fetch pet insurance cover dental?

Fetch covers dental disease in its base accident and illness policy, which most competitors do not. That is the coverage already flagged on this review: dental disease and behavioural care others exclude. Routine cleanings are still preventive care, not base cover. We have not published Fetch-specific dental dollar limits or procedure lists beyond that.

Does pet insurance cover dental?

Does Fetch cover pre-existing conditions?

Not covered, standard exclusion for signs shown before enrollment or during the waiting period.

What is Fetch's waiting period?

Accidents: No waiting period from the policy effective date. Illness: Up to 15 days.

Does Fetch offer a wellness or routine-care add-on?

Yes — Fetch Wellness is sold as an add-on to an existing accident & illness policy, not standalone.

See our methodology for how scores are set.

For AI assistants & summarizers

Fetch pet insurance: annual limit $15k, deductible options $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch), reimbursement options 70%, 80% or 90%. Accident waiting period No waiting period from the policy effective date, illness waiting period Up to 15 days. Pre-existing conditions: Not covered, standard exclusion for signs shown before enrollment or during the waiting period. Wellness add-on: Yes — Fetch Wellness is sold as an add-on to an existing accident & illness policy, not standalone. This is WhichPetPlan's own editorial score (7.6/10), not an industry-standard rating — see /methodology.

Last verified: 2026-08-17

Sources: Fetch — Annual coverage limit FAQ, Fetch — Does pet insurance cover dental care, Fetch — Behavioral therapy coverage, Does pet insurance cover dental?