Fetch by The Dodo, formerly often known as PetPlan, provides accident and illness policies for dogs and cats. While it’s not all the time amongst our picks for the very best low cost pet insurance firms, Fetch pet insurance is a good alternative. Its pluses include covering certain expenses that another insurance firms exclude, equivalent to exam fees, virtual visits and gum disease.

To search out out whether Fetch pet insurance is a great fit in your pet, proceed reading to find out about its policies and value.

Fetch by The Dodo Pet Insurance Overview

PetPlan pet insurance sold policies for cats, dogs and rabbits. But then Group Nine Media Inc. took a minority stake in the corporate, and it was rebranded as Fetch by The Dodo in 2021. Today, the corporate only covers dogs and cats, nevertheless it insures pets in all 50 states and parts of Canada.

Fetch will insure animals as young as six weeks old — a lower minimum than most — and policyholders can select an annual profit as high as $15,000.

Fetch will cover a variety of conditions and injuries, including gum disease, hereditary conditions and even behavioral therapy.

Fetch’s Services

With pet insurance from Fetch by The Dogo, you will have protection against unexpected veterinary bills. You’re covered in case your dog or cat becomes sick or injured, even when it’s a chronic condition.

Although Fetch doesn’t have a wellness option, it provides coverage for emergency expenses and high-cost veterinary look after serious health issues. And since Fetch doesn’t have an upper age limit, you’ll be able to get coverage for senior pets too.

What Fetch offers

Fetch by The Dodo only covers treatments for illnesses or sudden injuries; it doesn’t cover routine veterinary care, whilst a policy add-on. For instance, it can pay for treatments for wounds, cancer or a fractured leg, but not for heartworm preventatives.

As a policyholder, you’ll be able to take your pet to any licensed veterinarian within the U.S. Canada; you don’t must worry about staying inside a certain network. You’ve to pay in your pet’s care upfront and submit a claim for reimbursement, but Fetch’s reimbursement process is quicker than most, it claims. In line with the corporate, you can receives a commission in as little as two days.

How much you’re reimbursed will depend on your deductible — how much of your veterinary bills you will have to cover before your insurance company can pay out advantages — and the reimbursement percentage you selected if you purchased the policy. With Fetch, you’ll be able to select from the next options:

• Maximum annual profit limit: $5,000, $10,000, or $15,000
• Annual deductible:
  • $300, $500, or $700 for dogs
  • $250, $300, or $400 for cats
• Reimbursement: 70%, 80% or 90%

• $300, $500, or $700 for dogs
• $250, $300, or $400 for cats

For instance, let’s say you insure your dog and select a $500 deductible and a 80% reimbursement percentage. Your pet develops kennel cough and wishes an exam and antibiotics, and the full is $500. Because that’s the identical amount as your deductible, your insurance company doesn’t cover any of the fee; you’re chargeable for your complete amount.

But a couple of months later, your pet ingests a sock and has a blockage, requiring a $3,000 surgery. You have already reached your deductible, so the insurer will cover 80% of the fee. You’ll get $2,400 back from the insurer.

Fetch pet insurance coverage

What Fetch doesn’t offer

Although Fetch covers many treatments, including some that other insurers exclude, it doesn’t cover every thing. The next exclusions apply:

• Preventative care: Although wellness exams, dental cleanings and vaccinations are critical to maintaining your pet’s health, they aren’t covered by Fetch. And while other insurers have optional wellness plans you’ll be able to add to your policy, Fetch doesn’t have that option.
• Pre-existing conditions: As is standard for the pet insurance industry, Fetch doesn’t cover pre-existing conditions, meaning diseases or conditions your pet developed before the policy’s effective date or in the course of the policy’s waiting period.
• Prescription food: Although some corporations will cover food that’s prescribed by a veterinarian, Fetch doesn’t.
• Knee or hip injuries that occur inside the first six months: While Fetch by The Dodo has a 15-day waiting period of accidents and illnesses, there’s a six-month waiting period for knee or hip injuries. You may get the prolonged waiting period for knee conditions — but not hip issues — if you happen to get a veterinary exam inside the first 30 days and your pet is evident of any issues.
• Claims filed after 90 days: Fetch requires you to submit your claim inside 90 days of the treatment date; otherwise, your claim will likely be denied. That’s a shorter period than other corporations offer, so ensure that you make note of that deadline.

Fetch by The Dodo also requires regular checkups and routine care, or it can not pay out your claims.

Fetch pet insurance costs

Pet insurance premiums are based on several aspects, including your pet’s age, breed and your location, Generally, you’ll be able to expect to pay the next for coverage:

• Dog Insurance – $50 average monthly cost – $500 deductible amount – 80% with a $10,000 annual maximum reimbursement
• Cat Insurance – $28 Average Monthly Cost – $400 Deductible amount – 80% with a $10,000 annual maximum reimbursement

Fetch pet insurance waiting periods

Fetch by The Dodo had a 15-day waiting period for each accidents and illnesses. For knee and hip-related injuries, equivalent to cruciate ligament damage or hip dysplasia, the waiting period is six months. Nonetheless, the six-month waiting period could also be waived for knee injuries if you happen to get a veterinary exam in your pet inside 30 days of your purchase date and your pet is cleared of any knee issues.

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Fetch’s Credentials

Fetch insurance policies are administered by Fetch Insurance Services. Depending on where you reside, your policy could also be underwritten by either XL Specialty Insurance Company or Axis Insurance Company.

Fetch by The Dodo is an industry-driver level member of the North American Pet Health Insurance Association (NAPHIA).

Fetch’s Availability

Fetch issues policies to pet owners in all 50 states, and you’ll be able to take your pet to any veterinarian within the U.S. or Canada, so long as they’ve a sound license.

Fetch’s Accessibility

Unlike some corporations, Fetch doesn’t offer 24/7 support. Its business hours are as follows:

• Monday through Friday from 9:00 a.m. until 6:00 p.m. EST
• Saturdays from 10:00 a.m. until 6:30 p.m. EST

Fetch doesn’t have business hours on Sundays.

Contact information

You may reach its customer support department in the next ways:

• Chat: You should utilize the Fetch chatbot to get answers to basic questions 24 hours a day, seven days per week. Live chat is obtainable in the course of the company’s business hours.
• By phone: During Fetch’s business hours, you’ll be able to speak to a representative over the phone by calling 866-467-3875.
• Email: You may contact customer support by emailing info@fetchpet.com. The corporate goals to answer every email inside one business day.

User experience

Current policyholders and prospective customers can view policy details and get quotes online. When you have already got a policy, you’ll be able to log in to view your account or submit a claim. Or you should utilize the Fetch mobile app to submit a claim, track the claim’s status and arrange direct deposit for reimbursement.

Limitations

Live agents might be reached seven days per week, but the web chatbots can be found 24/7. Nonetheless, Fetch doesn’t have hours on Sundays, so that you’ll must wait until the next day if you will have questions or issues along with your policy.

Fetch’s Customer Satisfaction

Since PetPlan became Fetch by The Dodo, its rankings for customer satisfaction have been mixed.

Customer complaints

Fetch has an A+ rating from the Higher Business Bureau, nevertheless it has a 1.2 out of 5-star rating based on about 40 customer reviews. Nonetheless, the BBB tends to be where customers go to voice complaints, and few people actually use the location to post positive experiences, so the low rating might not be indicative of major customer support issues.

In contrast, Fetch by The Dodo is highly-rated on TrustPilot. It has a Trustscore of 4.3 out of 5 based on over 900 reviews. In reviews, customers praised the corporate’s easy claims process and quick reimbursement times.

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Fetch by The Dodo vs. The Competition

Here’s how Fetch by The Dodo stacks as much as major competitors:

To learn more, try our reviews of Nationwide pet insurance and Trupanion pet insurance.

How We Evaluated Fetch by The Dodo Pet Insurance

To guage Fetch’s pet insurance options and determine the way it measured as much as industry leaders, we evaluated Fetch on several aspects, including:

• Breed and age limits
• Annual or lifetime caps
• Reimbursement percentages
• Deductible options
• Waiting periods
• Exclusions
• Claims process
• Reimbursement timing
• Customer satisfaction rankings

Summary of Fetch by The Dodo Pet Insurance Review

Fetch by The Dodo, formerly often known as PetPlan, is one in every of the few corporations that may insure pets as young as six weeks old, and it has no upper age limit or breed restrictions. It also offers additional coverages that other corporations don’t, equivalent to vacation cancellation, lost pet rewards and as much as $1,000 in coverage for medically-necessary boarding fees.

All of those make Fetch a good alternative in pet insurance, although the corporate often doesn’t make our picks as among the many easiest pet insurance firms. Longer waiting periods than most is a key reason for that. Although Fetch has a 15-day waiting period for many illnesses and injuries, it has a six-month waiting period for hip and knee injuries. The prolonged waiting period might be waived for knee conditions if there’s a veterinary exam inside the first 30 days, but that waiver doesn’t apply to hip-related injuries.

Nonetheless, your needs may vary, so consider getting a quote from Fetch and several other pet insurers before making a choice. Take a look at our picks for the best pet insurance firms to jumpstart your research.