What Is Fetch Pet Insurance and How Did It Change from Petplan?
Fetch Pet Insurance, formerly known as Petplan, has rebranded while maintaining its core mission of protecting pets. In this detailed Fetch Pet Insurance review, we examine coverage options, pricing, and customer feedback to help you decide if this policy fits your furry friend. The transition from Petplan to Fetch occurred in 2021, but the company continues to offer comprehensive accident and illness plans backed by the same underwriters. This review covers everything you need to know about the new name and what it means for your pet's health coverage.
Furthermore, Fetch stands out for its extensive coverage of hereditary and chronic conditions, which many competitors exclude. However, the rebranding also brought changes in plan flexibility and reimbursement rates. Let's explore these updates in depth.
What Coverage Options Does Fetch Pet Insurance Offer?
Fetch provides two main plan types: Accident & Illness and an optional Wellness add-on. The Accident & Illness plan covers diagnostics, treatments, surgeries, hospitalization, prescription medications, and even alternative therapies like acupuncture. Additionally, it includes coverage for behavioral issues and dental illnesses, which are less common in other policies.
Moreover, Fetch offers unlimited annual benefits with no per-incident caps on most conditions. You can choose deductibles from $250 to $1,000 and reimbursement rates of 70%, 80%, or 90%. The Wellness add-on covers routine care like vaccinations, dental cleanings, and microchipping up to a set annual limit.
One notable feature is the coverage of breed-specific conditions, such as hip dysplasia and allergies, without extra premiums. However, pre-existing conditions are not covered, and there is a 15-day waiting period for accidents and 30 days for illnesses.
What Are the Pros and Cons of Fetch Pet Insurance?
| Pros | Cons |
|---|---|
| Unlimited annual coverage available | No 24/7 vet telehealth line |
| Covers hereditary and chronic conditions | Wellness add-on limited to $250/year |
| Simple claims process (app or online) | No multi-pet discount |
| 10% discount for insuring multiple pets (if enrolled separately) | Some negative reviews on claim reimbursements speed |
Additionally, Fetch has a reputation for excellent customer service, with many users praising the ease of filing claims. However, the lack of a 24/7 vet line may be a drawback for some pet owners. Overall, the pros outweigh the cons for those seeking comprehensive coverage.
How Does Fetch Pet Insurance Compare to Other Providers?
When comparing Fetch to competitors like Healthy Paws, Trupanion, and Lemonade, several differences emerge:
- Unlimited payouts: Fetch offers unlimited annual benefits, similar to Healthy Paws, but with more flexible reimbursement rates.
- Breed-specific conditions: Fetch covers hip dysplasia and other genetic issues without a separate rider, while some companies require extra fees.
- Wellness coverage: Fetch's wellness add-on is more affordable than Trupanion's but offers lower annual limits.
- Claims turnaround: Fetch averages 10-15 days for claims, which is slower than Lemonade's 2-3 day average.
Nevertheless, Fetch's broad coverage of alternative therapies and dental disease gives it an edge for holistic pet parents.
What Do Customer Reviews Say About Fetch Pet Insurance?
Customer feedback on Fetch is mixed but generally positive. On Trustpilot, Fetch holds a 4.2-star rating, with users highlighting the ease of the mobile app and quick claim submissions. Many appreciate that the company doesn't impose annual or lifetime caps on payouts. However, some negative reviews mention long waiting periods for reimbursements and occasional disputes over pre-existing condition definitions.
Additionally, the Better Business Bureau gives Fetch an A+ rating, though there are complaints about communication delays. Overall, satisfied customers often cite the peace of mind from extensive coverage, especially for pets with chronic illnesses.
Is Fetch Pet Insurance Worth It for Your Pet?
Fetch Pet Insurance is best suited for pet owners who want robust coverage for hereditary conditions and unlimited annual benefits. If your pet is a mixed breed prone to genetic issues or if you prefer a plan that covers alternative therapies, Fetch is a strong contender. However, if you prioritize quick claims processing or need a 24/7 vet helpline, you might look elsewhere.
In summary, this Fetch Pet Insurance review shows that the company offers solid, comprehensive plans at competitive prices. We recommend getting a quote and comparing it with other insurers to see if it fits your budget and needs.
What Are Common Questions About Fetch Pet Insurance?
Does Fetch cover pre-existing conditions?
No, Fetch does not cover any condition that existed before the policy start date, but some curable conditions may be covered after 12 months if symptom-free.
How much does Fetch Pet Insurance cost on average?
Monthly premiums vary by pet's age, breed, location, and chosen deductible. For a mixed-breed dog, expect around $50–$70 per month for unlimited coverage.
Can I use any veterinarian with Fetch?
Yes, Fetch allows you to visit any licensed vet in the U.S. or Canada, and claims are reimbursed based on your plan.
What is the waiting period for Fetch coverage?
Accidents have a 15-day waiting period, illnesses a 30-day waiting period, and orthopedic conditions a 6-month waiting period for certain breeds.
