Compare Fetch Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Fetch
Also Known As / Affiliates / Partners Formally Known As - Pet Plan

Petplan was acquired by Warburg Pincus (a global private equity firm) in 2019
Address 101 Greenwich Street
New York, NY 10006
Phone 1-866-509-0163
Website www.fetchpet.com
Plans That Provide Full Accident and Illness Coverage Fetch Accident and Illness Plan *
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by XL Specialty Insurance Company and AXIS Insurance Company.

XL Specialty Insurance Company has an AM Best Financial Strength Rating of "A+" and an Outlook of "Stable" as of 1/30/2024.

AXIS Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 1/30/2024.

For the most recent ratings go to: AM Best
Year Company Started Petplan started in 2003 in the US. Petplan became Fetch in 2021

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Pet must be at least 6 weeks old.

There is no upper age limit.
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 15 days for illness

15 days for injury

There is a 6-month waiting period for damage or rupture of cruciate ligaments, luxation of the patellas or other soft tissue disorders of the knee.
You can waive the waiting period for these knee conditions by having your pet examined by a vet in the first 30 days of their policy to determine that they don’t have any relevant pre-existing conditions.

There is a 6-month waiting period for hip dysplasia.

**Waiting Periods can vary by state. See actual policy or contact Fetch to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for damage or rupture of cruciate ligaments, luxation of the patellas or other soft tissue disorders of the knee.

You can waive the waiting period for knee injuries by having your pet examined by a vet in the first 30 days of their policy to determine that they don’t have any relevant pre-existing conditions.

**Waiting Periods can vary by state. See actual policy or contact Fetch to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the U.S. or Canada
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Fetch for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the U.S. or Canada
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Fetch for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [INCLUDED]

Behavior Coverage has a $1,000 annual limit.

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED] When administered by a veterinarian.

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, there are exceptions for Curable Conditions: If your pet's pre-existing conditions do not reoccur for 365 days after the waiting period, the condition may be covered subsequently. If the condition reoccurs during the second 365 days, then it will be excluded from coverage for the life of your pet.

According to their sample policy, a pre-existing condition is:
"...i. Any injury that happened or any illness that first showed clinical sign(s) before the effective date of this policy; any illness that first showed clinical sign(s) during the waiting period beginning on the effective date of this policy; any injury that occurred during the waiting period beginning on the effective date of this policy.

ii. Any injury or illness that is the same as, or has the same diagnosis or clinical sign(s) as any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the waiting period beginning on the effective date of this policy; or any injury that is the same as, or has the same diagnosis or clinical sign(s) as any injury that occurred to your pet during the waiting period beginning on the effective date of this policy.

iii. Any injury or illness that is caused by, relates to or results from any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is caused by, relates to or results from any illness or clinical sign(s) your pet had during the waiting period beginning on the effective date of this policy; or any injury that is caused by, relates to or results from any injury that occurred to your pet during the waiting period beginning on the effective date of this policy. This exclusion applies no matter where the injury, illness or clinical sign(s) are noticed or occur on your pet’s body. Pre-existing conditions do not include coverable ongoing medical conditions that showed clinical signs after the original inception date and waiting period...."

**See actual policy or contact Fetch for a complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)

There is a 6-month waiting period for hip dysplasia.
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Fetch for their full description regarding prescription medications.
Pregnancy Coverage Generally no. However, according to their sample policy:
They will cover medically necessary treatment of complications arising from breeding, pregnancy, whelping or nursing if the date of breeding falls after the waiting period.

**See actual policy or contact Fetch for their full description regarding coverage for pregnancy.
Routine/Wellness Coverage [YES] - Routine/Wellness Care is offered as an addon
Vaccinations [YES] - Routine/Wellness Care is offered as an addon
Spay/Neuter [YES] - Routine/Wellness Care is offered as an addon
Dental Care (Routine) [YES] - Routine/Wellness Care is offered as an addon
Dental Care (Illness/Accident) [INCLUDED] They cover injury and illness, including but not limited to gum disease, oral tumors, and trauma.

It is not clear if endodontic/orthodontic procedures are covered.

Dental illness is not covered "where clinical sign(s) (including, but not limited to, tartar, gingivitis, pulp exposure or halitosis) were observed prior to the effective date of the policy..." or during the waiting period beginning on the effective date of the policy.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy According to their sample policy:

"..If your pet has received treatment or has shown clinical signs of a cruciate or soft tissue injury to one knee prior to the effective date of this policy or during the first 6 months of this policy, where no certificate of knee health has been provided...then the other knee is automatically excluded from coverage."

It is not entirely clear if other bilateral conditions are subject to this policy. They do have this wording in their sample policy for what is considered a pre-existing condition:
"...ii. Any injury or illness that is the same as, or has the same diagnosis or clinical sign(s) as any injury, illness or clinical sign(s) your pet had prior to the effective date of this policy; any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had during the waiting period beginning on the effective date of this policy; or any injury that is the same as, or has the same diagnosis or clinical sign(s) as any injury that occurred to your pet during the waiting period beginning on the effective date of this policy."

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident, Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

**See actual policy or contact Fetch for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Routine dental treatments (eg. routine teeth cleaning)
  • Routine Care (spay/neuter, vaccinations, etc)
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $300, $500, or $700
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined It is not clear whether reimbursements are based on UCR or Actual Vet Bill.

Reimbursements are calculated by applying your reimbursement percentage first then your deductible. This can lead to being reimbursed less than companies that subtract the deductible BEFORE applying the reimbursement percentage.
Max Payout Annually Choose from $5,000, $10,000, or $15,000

Behavior Coverage has a $1,000 annual limit.
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $25.00 - $200.00 depending on your location, the options you pick, etc.

 

Additional Info
My Review Fetch Review
What are Customers Saying? PetInsuranceReview.com, Yelp.com (1) and Yelp.com (2) (under old name 'Pet Plan')

Also, check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Fetch's pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Fetch for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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