The Most Common Pet Health Issues and How Much They'll Cost You
Dec. 06, 2023
How To Choose The Right Insurance For Your Pet
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5 Tips for Reducing Your Pet Insurance Costs
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If you take out a policy, your pet will be covered for:
As with any coverage for pets, the price of your premium will depend on the breed and age of your pet, as well as your location.
For example, on Fetch’s site, when we entered the details for a 3-year-old small mixed breed dog with a New York zip code, we received a price of $19.66 per month. This price assumes a maximum payout of $5,000, a deductible of $500, and a reimbursement rate of 70%.
We then input the details of a 1-year-old Abyssinian cat and received a quote of $34.20 per month. This quote assumes a $15,000 maximum payout, a $300 annual deductible, and a reimbursement rate of 90%.
Note that these quotes were obtained in January 2022 and may be subject to change.
If you take a policy, you won’t be covered for:
Like almost all pet insurers, Fetch doesn’t cover any pre-existing conditions.
When you take out a policy, you’ll need to wait a set amount of time before you can make a claim. Although this period varies by state, it is never more than 15 days for most illnesses and injuries.
One exception is that you’ll need to wait 6 months before you can file a claim relating to your pet’s hips or knees. However, it’s possible to waive this period by having your vet examine your pet’s hips and knees and issue a clean bill of health within 30 days of taking out a policy.
Your policy will also include a curable exclusionary period, which means your pet will need to go at least 12 months without experiencing any symptoms of a curable medical condition in order for the condition to be covered.
When purchasing your insurance, you can select the maximum amount of coverage that you can receive per year, with options ranging from $500 to unlimited coverage.
When you take out a policy, you can also choose the level of your deductible, with the options being $250, $300, or $500.
To get examples of the effect that deductibles could have on coverage, we ran a series of quotes on a 4-year-old mixed cat with a New York zip code, choosing a $1,500 maximum annual payout and an 80% reimbursement rate.
| Deductible | Monthly premium |
| $250 | $31.59 |
| $300 | $29.48 |
| $500 | $23.65 |
We then repeated this process for a 1-year-old Great Dane:
| Deductible | Monthly premium |
| $250 | $104.24 |
| $300 | $94.74 |
| $500 | $75.76 |
These quotes were obtained in January 2022 and may be subject to change.
To make a claim, you’ll need to submit a copy of your pet’s medical records and a paid invoice via Fetch’s website or mobile app. Once your claim has been received, it should be assigned to an agent within 24 hours and processed within 15 days.
If your claim is approved, you’ll receive your payment via check or direct deposit. With the latter, this typically only takes 2 days.
If you have a question regarding your claim, you can contact the company by phone or by logging into your online account. Customer service hours are Monday to Friday, 8am-11pm EST, and Saturday and Sunday, 10am-6:30pm EST. Alternatively, you can use its 24/7 chatbot service if your question is more general.
Overall, we found the site extremely user friendly and were impressed by the clear explanation of its policies.
Fetch offers generous discounts of up to 10% for pet owners who meet the following criteria:
You can also receive a discount of up to 30% if you go for a year without filing a claim.
As emergencies can happen at any time of day, some customers may prefer an insurer with 24/7 support.
PO Box 1489, Bolingbrook, Il, 60440
T: 866-509-0163
E: info@fetchpet.com
If you’d like to protect against potentially astronomical vet bills, Fetch offers pet owners a great deal. It enables you to visit any licensed vet in the US or Canada, and its fast payment system means you could receive your money back within a couple of days after your claim has been approved. Although it doesn’t offer 24/7 customer service, this isn’t uncommon with pet insurers and shouldn’t be a sticking point for most customers.
This review was compiled using the information on Fetch’s website and by contacting the company over email.
