About  Fetch

Fetch offers comprehensive insurance and health guidance for cats and dogs. The provider is trusted by no-kill shelters across the United States and Canada and is also the chosen provider by AARP members.

Fetch Insurance Coverage

Compared to other providers, Fetch has the most comprehensive coverage offered. They do not have restrictions for congenital or hereditary conditions, advanced testing, medications, hospital stay, rehabilitation, and holistic therapies if your pet gets into an accident or becomes sick.

Fetch includes behavioral treatments on all policy coverage. Their annual limits start at $5,000 and go up to unlimited to cover anxiety issues like separation and travel anxiety, house soiling, and noise phobia. Other providers would offer coverage for these conditions through a separate rider or no coverage at all.

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Non-routine vet exam fees are also covered by plans, and this includes specialist and emergency veterinarians. Some providers will not cover exam fees, but Fetch including the cost of exams helps pet parents save up to $250 every visit. This is almost equivalent to the required deductible per vet visit if you go to a different provider.

When it comes to dental issues and the treatment of diseases, Fetch still has the most extensive insurance coverage. Their dental policy will protect your pet against several injuries and accidents such as extractions, broken teeth, periodontal disease, advanced dental treatments, and root canal therapy for each tooth (not just the canines as is common with other pet insurance providers.

Finally, if your pet has a pre-existing condition that is curable, they will cover the condition once the 365-day exclusionary period is over. They also cover the majority of bilateral conditions, something other providers are not willing to do.

Coverage Summary

Waiting Period

Cats and dogs six weeks of age can be enrolled for a policy. Fetch does not set a maximum age limit for pets so you can also get a senior pet covered. The waiting period for illnesses is up to 15 days.

Cost of Coverage

Fetch uses 15 years’ worth of information to determine the accurate prices based on breed, age, and location. They also take pride in the fact that their coverage is more extensive compared to any other provider. Because they offer premium insurance for pets, this means that their plans will not be the cheapest in the market.

Sample Monthly Premium:

1-year-old, male Golden Retriever in Westminster, California – $19.66

1-year-old, male American Shorthair in Westminster, California – $19.66

• Annual Coverage Limit: $10,000

• Annual Deductible: $300

• Reimbursement Rate: 80%

Rescue adopters, shelter adopters, veterinarians, veterinary employees, Walmart shoppers, active military members, and veterans can get up to a 10% discount.

Policy Benefit Limits

The maximum annual payout for a Fetch policy starts at $5,000. If you are familiar with the types of conditions that your pet’s breed is susceptible to and how much the treatment costs in your area, this can be put to your advantage.

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Deductible and Claim Reimbursement

Similar to other top pet insurance providers, Fetch’s policy will pay a set percentage of the vet bill after you meet the required deductible. You can choose from three reimbursement models – 70%, 80%, or 90%

Fetch has a more flexible deductible schedule in comparison to other pet insurance companies. Options range from $250-$700” or “Deductible choices between Cat owners can select a deductible of $250, $300, or $400, while dog owners can select a deductible of $300, $500, or $700. A higher deductible would give you a lower monthly premium. Fetch uses an annual deductible model which is advantageous for many since they only need to meet one deductible.

Filing Claims and Customer Service

Fetch is among the few pet insurance providers that include a specific timeframe for claims payouts in the terms and conditions. They mentioned a 30-day timeframe but you can actually receive the reimbursement 7 days after filing a claim. This is true especially if you submit your claim online or through the Fetch app.

You will need two documents when submitting a claim.

1. Finalized invoice from the vet – this should show the treatments and services that your pet received, how much the treatment costs, and that the bill was paid in full.

2. Detailed medical records from recent checkups – the medical records should show the pet’s history and what conditions they can cover so they can process the claim faster.

You also need to remember to file a claim within 90 days of getting the treatment. If you fail to submit a claim before the 90 days is over, your vet expense will not be covered. This is easy to do since Fetch has a mobile app available for both Android and iOS devices. You can also go to the online portal and instantly file a claim without drowning in paperwork.

If your pet needs to see a vet but you cannot leave home immediately, you can take advantage of the Telehealth service. This is a channel for phone consultations in cases of emergencies.

Final Thoughts

If you are looking for complete pet insurance services and good health advice for your fur friends, Fetch is the pet insurance service to choose. The company is highly trusted by the best no-kill animal shelters in Canada and United States. They offer exclusive pet insurance services to AARP members.