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Understanding Fetch Pet Insurance: A Comprehensive Guide!



As a responsible pet owner, you want to provide the best care for your furry friend. However, unforeseen accidents and illnesses can happen, which can lead to significant expenses. This is where pet insurance comes in, and Fetch Pet Insurance is one of the many options available in the market.

In this comprehensive guide, we will walk you through everything you need to know about Fetch Pet Insurance to help you make an informed decision when choosing a policy for your pet.

What is Fetch Pet Insurance?

Fetch Pet Insurance is a pet insurance brand owned by Petplan. It is founded in 2003 and is one of the oldest pet insurance companies in the market. The company promises to provide comprehensive coverage at an affordable price to ensure that pet owners can provide the best possible care for their pets without worrying about the financial burden.

Fetch Pet Insurance covers both cats and dogs and provides coverage for accidents, illnesses, and injury-related medical expenses. When you sign up for Fetch Pet Insurance, you can choose from three levels of coverage: Basic, Prime, and Ultimate.

What Does Fetch Pet Insurance Cover?

Fetch Pet Insurance policies are customizable, and you can build the policy that best suits your pet’s needs. However, the coverage typically includes:


Your Fetch Pet Insurance policy will provide coverage for the treatment of your pet for injuries caused by an accident, including broken bones, cuts, and bruises, among others.


Fetch Pet Insurance also covers the cost of treatment for illnesses that are not pre-existing or recurring. This coverage can include infections, allergies, and other conditions that require medical attention.

Hereditary and Congenital Conditions

Fetch Pet Insurance covers inherited or congenital disorders, such as hip dysplasia, that are common in certain breeds.

Behavioral Issues

Fetch Pet Insurance may also cover the cost of behavioral therapies if your pet has behavioral issues caused by medical conditions, such as anxiety or compulsive disorders.

Prescription Medications

Fetch Pet Insurance will reimburse you for the cost of medications prescribed by your veterinarian, provided they are not pre-existing.

Exams and Consultations

Fetch Pet Insurance provides coverage for the cost of exams and consultations needed for diagnosis and treatment.

Diagnostic Tests

Fetch Pet Insurance covers the cost of diagnostic tests, including x-rays, blood work, and ultrasounds.

Surgeries and Hospitalization

Fetch Pet Insurance provides coverage for surgeries, hospitalization, and associated medical procedures.

Alternative Therapies

Fetch Pet Insurance covers alternative therapies, such as acupuncture and chiropractic treatments, as long as the treatment is performed by a licensed veterinarian.

What is Not Covered by Fetch Pet Insurance?

Fetch Pet Insurance, like all pet insurance policies, has exclusions. The following are not covered by Fetch Pet Insurance:

Pre-Existing Conditions

Fetch Pet Insurance does not provide coverage for pre-existing conditions. These are illnesses or injuries that your pet had before you signed up for the policy. The company defines pre-existing conditions as any condition or symptom that your pet exhibited before the coverage started.

Elective Procedures

Fetch Pet Insurance does not provide coverage for elective procedures, such as spaying or neutering.

Grooming and Cosmetic Treatments

Fetch Pet Insurance does not cover grooming, nail trimming, or cosmetic treatments, such as teeth cleaning.

Breeding and Pregnancy

Fetch Pet Insurance does not cover breeding, pregnancy, or complications arising from these activities.

Routine and Preventive Care

Fetch Pet Insurance does not cover routine or preventive care, such as annual checkups, vaccinations, and flea prevention.

How Does Fetch Pet Insurance Work?

To get started with Fetch Pet Insurance, you need to visit their website and get a quote. The quote will depend on your pet’s species, breed, age, and location, among other factors.

You can then choose a policy that best suits your pet’s needs. Fetch Pet Insurance provides three levels of coverage, Basic, Prime, and Ultimate. Each level of coverage has varying deductibles, reimbursement percentages, and annual limits.

Once you choose a policy, you will pay a monthly premium for coverage. In the event of an accident or illness, you will need to take your pet to a licensed veterinarian for diagnosis and treatment.

After that, you will submit a claim to Fetch Pet Insurance, who will reimburse you for the covered expenses. Fetch Pet Insurance promises a no-hassle claims process and pays claims within days of receipt.

The Bottom Line

Fetch Pet Insurance is an excellent option for pet owners who want the peace of mind that comes with pet insurance. The company offers customizable policies that cater to the individual needs of your pet and a no-hassle claims process.

However, you should understand the policy exclusions and limitations to make an informed decision. Be sure to read the policy terms and conditions and ask questions where necessary. With this guide, you are well on your way to making the best decision for your furry friend.

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