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Provider profile
Reviewed September 2026

Fetch pet insurance

Fetch Pet Insurance

Customizable accident-and-illness coverage with sick-visit exam fees included, broad dental coverage, behavioral and virtual-vet benefits, and optional wellness coverage for routine care.

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Plan Snapshot

Core policy structure

Data reviewed September 2026

CoverageAccident & illnessUnexpected injuries and illnesses, including eligible diagnostics, treatment, prescriptions and specialist care.

Reimbursement70% / 80% / 90%Selected when customizing the policy.

Deductible$250–$2,500 common online rangeFetch presents pet-specific annual deductible choices online; additional options may be available by phone.

Annual payout$5K / $10K / $15KStandard maximum annual payout options; additional choices may be available.

Claims modelReimbursementPay the veterinarian, submit the claim, then receive eligible reimbursement by direct deposit or check.

Waiting periods15 days illnessAccident coverage begins on the policy effective date; orthopedic exclusions can run 180 days.

Core coverage

Coverage extends beyond the basic vet bill

Fetch's accident-and-illness plan includes several benefits that some providers exclude or sell separately.

IncludedSick-visit exam feesEligible exam fees for covered sick visits are included with the accident-and-illness policy.

IncludedDental disease & injuryFetch describes coverage for eligible dental disease and injury involving adult teeth and gums, subject to policy terms and limits.

IncludedBehavioral treatmentEligible veterinarian-provided behavioral diagnosis and treatment can be reimbursed, subject to benefit limits.

IncludedAlternative & holistic careEligible alternative and holistic treatments are included under current coverage materials.

Additional benefits

Virtual care, pharmacy and wellness options

Fetch combines accident-and-illness coverage with several service benefits, while routine preventive care remains an optional add-on.

Virtual vet visits

Fetch currently states that virtual vet visits are reimbursed at 100% up to $1,000 per year, with no copay or deductible, subject to policy terms.

Behavioral therapy

Current Fetch materials describe up to $1,000 per policy year for eligible behavioral diagnosis and treatment by a licensed veterinarian.

Fetch Pet Rx

Qualifying medications purchased through the designated online pharmacy can receive enhanced reimbursement under current program terms.

Fetch Wellness

Optional wellness coverage can reimburse selected routine and preventive care, with current materials describing annual reimbursement up to $1,200 depending on the selected wellness plan.

Pets 6 weeks and older

Fetch currently states that dogs and cats can enroll starting at 6 weeks of age, with no stated upper-age cutoff in its consumer materials.

Claims & reimbursement

Pay the vet, then submit the claim

Fetch uses a reimbursement model. Claims are submitted with a paid invoice and supporting medical records through the app or member portal.

Claim timing

Fetch currently says claims are typically processed in less than 10 days. Direct deposit can speed receipt of approved reimbursements compared with paper checks.

Eligible covered cost − annual deductible × reimbursement rate = eligible reimbursement, subject to policy limits

Policy details

What to know before enrolling

Accident coverageCurrent Fetch materials state that accident coverage begins on the policy effective date, which is generally the day after enrollment.

Illness waiting periodFetch currently describes a 15-day waiting period for illness coverage.

Orthopedic exclusion periodCurrent materials describe a 180-day exclusionary period for orthopedic conditions, including hip and knee issues. Knee/cruciate rules may allow a waiver under specific examination requirements; hip exclusions are treated differently.

Curable pre-existing conditionsFetch states that certain curable pre-existing conditions can become eligible after a full policy year without signs, symptoms or treatment, subject to policy terms.

Medical recordsFetch requests veterinary medical records to evaluate claims and pre-existing-condition status.

Claim deadlineClaims generally must be submitted within 90 days of the veterinary visit to remain eligible for reimbursement.

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Your quote depends on your pet, location and selected coverage.

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Sources used for this profile

Fetch: Pet Insurance CoverageAccident-and-illness coverage, dental, exam fees, behavioral benefits, wellness and exclusions.

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Fetch: How Pet Insurance Works70% / 80% / 90% reimbursement examples, deductible structure and $5K / $10K / $15K annual payout examples.

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Fetch: ReimbursementClaims process, typical processing time, illness waiting period and accident-coverage timing.

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Fetch: Deductible FAQAnnual deductible structure and current online deductible range.

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Fetch: Pre-Existing ConditionsCurable pre-existing-condition rules and medical-record requirements.

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