Fetch Pet Insurance is a comprehensive option for pet owners looking for broad coverage in one plan. With a rating of 4.5 out of 5 stars based on our provider review methodology, Fetch stands out as our pick for comprehensive coverage. The plans offered by Fetch go beyond standard care, including coverage for virtual veterinary visits, behavioral treatments, alternative and holistic medicine, emergency pet boarding, and advanced dental treatments. Fetch is available in all 50 U.S. states and some parts of Canada, making it accessible to a wide range of pet owners.
While Fetch offers extensive coverage, it does come at a cost. One of the biggest downsides reported by customers is the high monthly premium, which tends to increase significantly each year. Fetch also offers fewer plan customization options compared to other providers, making it challenging to offset costs as your pet ages. However, online customer reviews mention helpful customer service representatives, which can be a saving grace for many pet owners.
For those seeking coverage for a variety of treatments, Fetch is a good choice. However, budget-conscious buyers should take note of the high monthly costs and the potential for future premium increases. It’s important to consider that if you decide to cancel a Fetch plan due to cost, any conditions that occurred during your time with Fetch will be considered pre-existing when you switch to a new provider.
Pros of Fetch Pet Insurance include providing all-inclusive coverage, including exam fee coverage in its base plan, reimbursements for non-veterinary perks, charitable donations to shelters and rescues, and discounts for active and veteran military members. On the other hand, cons include premium increases based on a pet’s age and claims history, the requirement for multiple documents for claims processing, and fewer customization options compared to other providers.
In terms of cost, the average monthly premium for a Fetch pet insurance plan is $50 for dogs and $28 for cats. The exact cost will vary depending on factors such as your location and your pet’s age. Fetch also offers preventive care plans for an additional monthly fee, ranging from $11 to $32, depending on the tier chosen.
When it comes to coverage, Fetch offers one comprehensive accident and illness plan, covering a wide range of treatments, diagnostics, and conditions. The plan includes unique coverages such as lost pet advertising, emergency boarding fees, virtual veterinary visits, and more. Additionally, Fetch offers a routine and preventative care add-on plan for additional coverage.
Fetch allows customers to choose their deductible, reimbursement rate, and annual limit when enrolling in coverage. While Fetch offers fewer customization options compared to other providers, customers can still adjust these parameters to influence premium costs. Fetch offers three deductible options, ranging from $250 to $700, three reimbursement rates (70%, 80%, or 90%), and three annual limits ($5,000, $10,000, or $15,000).
In terms of the claims filing process, Fetch offers a mobile app for easy management of accounts and claims submission. Customers can take a picture of their pet’s veterinary invoice and answer a few questions to submit a claim. While Fetch aims to process claims within two to 14 days, some customers have reported delays due to paperwork issues. Fetch calculates reimbursements differently than other providers, which may result in smaller initial payouts.
Fetch enforces waiting periods to prevent fraud related to pre-existing conditions, with a standard waiting period of 15 days for accidents and illnesses. There is also a six-month waiting period for orthopedic injuries and conditions, with the possibility of waiver under certain circumstances. Pets must be a minimum of 6 weeks old to enroll in coverage, with no upper-age restrictions.
Customer reviews of Fetch on Trustpilot are mostly positive, with customers praising the friendly customer service, easy claims submission process, fast reimbursements, and extensive coverage. However, some customers have expressed concerns about poor communication, slow claims processing, premium increases, and hidden terms in the policy documents.
In conclusion, Fetch Pet Insurance is a solid option for pet owners seeking comprehensive coverage for their furry companions. While it may come at a higher cost compared to other providers, Fetch’s extensive coverage and unique perks make it a worthwhile choice for many pet owners. It’s important to weigh the pros and cons, consider the cost, and evaluate the coverage options to determine if Fetch is the right fit for you and your pet.