Fetch pet insurance: review, cost, quote and promo code facts
Fetch pet insurance averages $35/month for dogs and $22/month for cats on its own published figures, reimburses up to 90% of covered vet bills, and covers exam fees up to $250 per sick visit.
Price condition: Based on U.S. annual premiums using the most common coverage configuration of a $10,000 annual limit, $300 deductible and 80% reimbursement rate for the period 07.01.2024 through 06.30.2025. Source: https://www.fetchpet.com/pet-insurance-cost.
Fetch pet insurance facts — every line with its official source
| Fact | Condition to get it | Official source page | Checked |
|---|---|---|---|
| Average monthly price: $35/month for dogs and $22/month for cats. | Based on U.S. annual premiums using the most common coverage configuration of a $10,000 annual limit, $300 deductible and 80% reimbursement rate for the period 07.01.2024 through 06.30.2025 (Fetch data). | https://www.fetchpet.com/pet-insurance-cost | 2026-09-24 |
| Breed averages on the official price page: French Bulldog $71/mo, German Shepherd $53/mo, Golden Doodle $50/mo, Golden Retriever $50/mo, Maltipoo $35/mo, Shih-Tzu $30/mo for dogs; Siamese $29/mo, Maine Coon $35/mo, Mixed Breed $27/mo and Domestic Shorthair $24/mo for cats. | Shown as 'on avg.' figures on Fetch's price page; the same average-premium footnote applies (period 07.01.2024-06.30.2025, $10,000 annual limit, $300 deductible, 80% reimbursement). | https://www.fetchpet.com/pet-insurance-cost | 2026-09-24 |
| Fetch covers up to 90% of unexpected vet bills. | Reimbursement percentage is part of the plan; payment follows claim approval and the deductible being met. | https://www.fetchpet.com/ | 2026-09-24 |
| The waiting period for accident and illness coverage with Fetch is up to 15 days. | Fetch states it emails you as soon as your coverage starts. | https://www.fetchpet.com/ | 2026-09-24 |
| Fetch covers dogs and cats 6 weeks and older. | Stated in the official FAQ; enrolling early avoids conditions later being classed as pre-existing. | https://www.fetchpet.com/ | 2026-09-24 |
| Pre-existing conditions are not covered. | A condition that occurred, or showed clinical signs, before enrollment, during the waiting period, or before the pet's first exam counts as pre-existing. | https://www.fetchpet.com/ | 2026-09-24 |
| Sick-visit exam fees are covered: every sick visit comes with an exam fee of up to $250 and Fetch covers those. | Stated on the official homepage coverage section. | https://www.fetchpet.com/ | 2026-09-24 |
| Online vet visits are covered up to $1,000 per year, included at no extra cost with no copay. | Members get 24/7 access to licensed veterinarians; stated in the official FAQ and coverage section. | https://www.fetchpet.com/ | 2026-09-24 |
| 100% reimbursement on hundreds of qualifying pet meds through Fetch Pet Rx. | Subject to deductible and policy limit; applies to qualifying medications purchased from FetchPetRx.com (fulfilled by Allivet) or Allivet.com, as designated in the Terms & Conditions. | https://www.fetchpet.com/ | 2026-09-24 |
| Claims are typically processed in less than 10 days. | Stated in the official 'How Fetch works' section; payment follows approval and the deductible being met, by direct deposit. | https://www.fetchpet.com/ | 2026-09-24 |
| Veterans and active military save 10% on their Fetch pet insurance policy every month for life. | Discounts and offers are subject to approval and may change at any time; the maximum available discount is 10%, it may not be available in all states, and it is not valid with any other offer. | https://www.fetchpet.com/faqs/military-pet-insurance-discount | 2026-09-24 |
| Fetch Deals includes $1,500+ in members-only savings and is included at no extra cost with every policy. | Average savings of $40+ per order is derived from actual Fetch member purchase data from April-June 2025 in the U.S. and Canada; individual results vary. Fetch Deals discounts are on products and services from independent vendors and are not covered benefits under the policy. | https://www.fetchpet.com/deals | 2026-09-24 |
| Every adult tooth is covered - injury and disease in every adult tooth, not just the canines. | Stated in the official homepage coverage section; all coverage is subject to policy limits. | https://www.fetchpet.com/ | 2026-09-24 |
| Sample claim shown on the official price page: patella surgery cost $28,776, Fetch paid back $21,331. | Claim example displayed on Fetch's price page; individual results vary by plan and claim. | https://www.fetchpet.com/pet-insurance-cost | 2026-09-24 |
| Fetch insurance policies are administered by Fetch Insurance Services, LLC and underwritten by AXIS Insurance Company in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. | Underwriter disclosure in the homepage footer. | https://www.fetchpet.com/ | 2026-09-24 |
| Fetch states that any veterinarian in the U.S. or Canada can be used, including specialists and emergency clinics. | No network restriction described in the official FAQ. | https://www.fetchpet.com/ | 2026-09-24 |
| No dedicated promo code page appears in Fetch's official sitemap. | Sitemap at https://fetchpet.com/sitemap.xml checked on 2026-09-24; no URL matching promo or coupon was found. The published discounts are the 10% military discount (maximum available discount is 10% per the site footnote) and the Fetch Deals member savings. | https://fetchpet.com/sitemap.xml | 2026-09-24 |
Fetch pet insurance review, cost, quote and promo code — FAQ
How much does Fetch pet insurance cost?
Fetch publishes averages of $35/month for dogs and $22/month for cats, based on U.S. annual premiums with the most common configuration of a $10,000 annual limit, $300 deductible and 80% reimbursement rate for 07.01.2024 through 06.30.2025. Its breed averages run from $24/month (Domestic Shorthair cats) to $71/month (French Bulldogs). Your price varies by pet age, breed and where you live.
Source: https://www.fetchpet.com/pet-insurance-cost · checked 2026-09-24
How do I get a Fetch pet insurance quote?
Fetch's quote flow starts from the 'Get your price' button on its official site, which opens its pet setup page at fetchpet.com/mypet. Fetch states your quote includes all monthly taxes and fees.
Source: https://www.fetchpet.com/ · checked 2026-09-24
What does Fetch pet insurance cover?
Accident and illness coverage with up to 90% reimbursement, exam fees up to $250 per sick visit, every adult tooth (not just canines), online vet visits up to $1,000 per year at no extra cost, and 100% reimbursement on qualifying pet meds through Fetch Pet Rx (subject to deductible and policy limit). A Wellness add-on covers routine and preventive care. Pre-existing conditions are not covered.
Source: https://www.fetchpet.com/ · checked 2026-09-24
What are Fetch pet insurance waiting periods?
The waiting period for accident and illness coverage with Fetch is up to 15 days. Fetch emails you as soon as your coverage starts.
Source: https://www.fetchpet.com/ · checked 2026-09-24
Are there Fetch pet insurance promo codes or discounts?
Fetch's official sitemap contains no promo code page (checked 2026-09-24). Discounts published on its own site: veterans and active military save 10% every month for life (maximum available discount is 10%, subject to approval, may not be available in all states, not valid with any other offer), and Fetch Deals member savings of $1,500+ included at no extra cost.
Source: https://www.fetchpet.com/faqs/military-pet-insurance-discount · checked 2026-09-24
What do reviews of Fetch pet insurance say on its own site?
Fetch's homepage says thousands of 5-star reviews on Trustpilot and labels itself '#1 Pet Insurance, Readers' Choice 2026'. Those are the company's own claims as displayed on its site.
Source: https://www.fetchpet.com/ · checked 2026-09-24
This page is not affiliated with Fetch. It repeats only what Fetch publishes on its own official pages; policy terms always govern. Facts last checked 2026-09-24.