Fetch Pet Insurance is a comprehensive option for pet owners looking for broad coverage in one comprehensive 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. Their plans go beyond standard care, offering 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. The biggest downside 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 positive aspect for pet owners seeking assistance with their coverage.
For pet owners 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 is 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, making charitable donations to shelters and rescues, and extending discounts to 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. Exact costs may vary depending on factors such as your location and your pet’s age. Fetch also offers preventive care plans for an additional monthly fee, with three plan tiers providing increasing wellness service reimbursements.
When it comes to coverage, Fetch offers one plan and one coverage add-on, making the sign-up process quick and straightforward. The accident and illness plan covers a wide range of treatments, diagnostics, and conditions, including unique coverages such as lost pet advertising and reward reimbursement, emergency boarding fees, and virtual veterinary visits. However, there are exclusions such as breeding and whelping costs, prescription foods, elective procedures, and certain therapies not administered by a veterinarian.
Fetch allows customers to choose their deductible, reimbursement rate, and annual limit when enrolling in coverage. Adjusting these parameters can influence premium costs, with Fetch offering three deductible options, three reimbursement rate options, and three annual limit options.
In terms of customer reviews, Fetch has received mostly positive feedback, with customers praising the friendly customer service, easy claims submission process, quick 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.
Overall, Fetch Pet Insurance is a solid choice for pet owners seeking comprehensive coverage for their furry companions. While it may come at a higher cost compared to other providers, the extensive coverage and additional benefits may be worth it for pet owners looking for peace of mind when it comes to their pet’s health and well-being.
