Overall Rating: 4.1 / 5
Fetch (formerly Petplan) offers the most comprehensive base coverage of any major U.S. pet insurer. Where most providers charge extra for exam fees, behavioral therapy, and rehabilitative care, Fetch includes all of these in every base plan: exam/consultation fees, physical therapy and rehabilitation, behavioral therapy for diagnosed anxiety, acupuncture, chiropractic, and dental illness coverage with one of the broadest dental illness definitions in the market. The trade-off is a higher base premium.
| Category | Rating | Notes |
|---|---|---|
| Coverage breadth | 5/5 | Most comprehensive base plan: exam fees, PT, behavioral therapy, acupuncture all included |
| Price / value | 3/5 | Higher premium; justified if you use comprehensive benefits |
| Plan flexibility | 3/5 | Standard deductible/reimbursement options; limited limit tiers |
| Claims experience | 4/5 | Typically 5–10 days; Fetch app available |
| Wellness add-ons | 3/5 | Wellness add-on available but not as flexible as Embrace |
Best for: Owners who want the most coverage without managing add-ons, pets that receive physical therapy or rehabilitative care, breeds prone to behavioral issues or anxiety.
Not ideal for: Budget buyers (Fetch is one of the more expensive providers); owners whose pets are young and healthy and unlikely to use comprehensive benefits.
Fetch Pet Insurance Plans and Pricing
| Setting | Options | Notes |
|---|---|---|
| Annual deductible | $250, $300, $400, $500, $600, $700, $800 | — |
| Reimbursement rate | 70%, 80%, 90% | — |
| Annual limit | $5,000, $8,000, $10,000, $15,000 | No unlimited option |
| Waiting period (accident) | 3 days | — |
| Waiting period (illness) | 15 days | — |
| Waiting period (orthopedic) | 6 months | — |
Sample monthly premiums (2-year-old, mixed breed, mid-size U.S. city, $500 deductible, 80% reimbursement, $10,000 limit):
- Domestic shorthair cat: ~$42/month
- Mixed breed dog (medium): ~$57/month
What Fetch Covers (Included in Base Plan)
- Exam fees / consultation fees — included, unlike most competitors
- Accidents and injuries from day 4
- Illnesses from day 16
- Hereditary and congenital conditions (after 6-month ortho wait)
- Cancer — surgery, chemo, radiation, diagnostics
- Dental illness — Fetch has the broadest dental illness definition; covers treatment of periodontal disease
- Physical therapy and rehabilitation — included in base plan
- Behavioral therapy for diagnosed anxiety/behavioral conditions — included
- Acupuncture and chiropractic when prescribed — included
- Chronic conditions — diabetes, CKD, allergies
- Prescription medications
- Specialist referrals, hospitalization, emergency care
Not covered: Routine wellness, dental cleaning, vaccines, pre-existing conditions, prescription food, breeding costs.
Fetch's Dental Coverage Advantage
Fetch covers a broader range of dental illness than most competitors — including treatment required due to periodontal disease progression, not just acute dental injuries. Where some providers require a tooth to fracture before covering dental care, Fetch covers treatment of advanced periodontal disease even when it developed gradually. This is particularly valuable for dogs and cats with chronic dental issues.
Behavioral Therapy Coverage
Fetch covers behavioral therapy for diagnosed behavioral conditions — anxiety, phobias, compulsive disorders — when prescribed and treated by a veterinary behaviorist. This is not covered at all by Healthy Paws, Lemonade, Spot, or Trupanion, and is only available as an add-on at some other providers. For breeds with known anxiety profiles (rescue dogs, German Shepherds, some terriers), this coverage can be genuinely valuable.
Pros and Cons
| Pros | Cons |
|---|---|
| Most comprehensive base plan in market | Higher premium than most competitors |
| Exam fees included (no add-on needed) | 6-month orthopedic waiting period |
| Behavioral therapy, PT, acupuncture in base plan | No unlimited annual limit option ($15,000 max) |
| Broadest dental illness definition | No direct vet payment option |
| No add-on complexity — one plan covers almost everything | No multi-pet discount offered |
Frequently Asked Questions
Is Fetch pet insurance worth it?
Yes — if you'll use the comprehensive benefits. Fetch's base plan includes coverage that competitors charge extra for (exam fees, PT, behavioral therapy, acupuncture). If your pet is a young, healthy mixed breed with no expected behavioral or rehabilitative needs, the higher premium may not be justified. For older pets, breeds prone to anxiety, or owners recovering pets from orthopedic surgery who need physical therapy, Fetch's all-inclusive approach delivers real value.
How much does Fetch pet insurance cost per month?
Fetch starts at approximately $42/month for cats and $57/month for dogs with a $500 deductible, 80% reimbursement, and $10,000 annual limit. This is among the higher-priced options in the market — reflecting the more comprehensive base coverage. Comparable providers with similar coverage depth (Trupanion) cost similarly or more.
What is Fetch pet insurance waiting period?
3 days for accidents, 15 days for illness, and 6 months for orthopedic conditions. The 6-month orthopedic waiting period is a consideration for large breed dog owners — Spot, Pumpkin, and Pets Best offer 14-day orthopedic coverage at lower prices.
Does Fetch cover dental?
Yes — and more broadly than most competitors. Fetch covers dental illness including treatment required due to periodontal disease, tooth fractures, tooth resorption, and stomatitis. Its dental illness definition is the most inclusive of any major U.S. pet insurer. Routine dental cleaning (prophylaxis) is not covered under the base plan.