Fetch's pet insurance scores 2.95 out of 5 for cats and 2.70 for dogs in MoneyGeek's analysis. Coverage is a strength for both pets, but premiums are above average. The 15-day accident waiting period is longer than most competitors.
Fetch Pet Insurance Review
Updated: March 16, 2026
Advertising & Editorial Disclosure
Fetch Pet Insurance Review: Key Takeaways
Fetch ranks 12th for cat insurance affordability and 13th for dogs. Monthly premiums average $36 for cats and $77 for dogs.
Fetch ranks sixth nationally for customer experience, holds an A+ Better Business Bureau rating and gets moderate reviews on Trustpilot.
Fetch ranks third nationwide for coverage quality. Policies cover accidents and illness with customizable deductibles and annual limits.
Fetch Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 1.75 | 13 |
| Coverage | 3.68 | 3 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.7 | 11 |
WHO IS FETCH PET INSURANCE BEST FOR?
Fetch is a strong option for owners who want affordable deductibles and unlimited coverage. Hereditary conditions and exam fees are covered at no extra cost. The 15-day accident waiting period is a drawback for anyone who needs coverage to start right away.
Learn more about the best pet insurance options for your pet:
Fetch Pet Insurance Ratings by State
Fetch sells pet insurance in all 50 states. Its best cat ranking is eighth in one state; it holds 10th place for cats in 41 states. For dogs, Fetch ranks 11th in 26 states. It's not the top pick for best pet insurance overall, but its third-place coverage ranking and sixth-place customer experience ranking are consistent across markets.
Data filtered by:
Affordability
Cat
| Alabama | 2.42 | 11 |
| Alaska | 2.19 | 12 |
| Arizona | 2.01 | 13 |
| Arkansas | 2.19 | 11 |
| California | 2.38 | 13 |
| Colorado | 2.44 | 13 |
| Connecticut | 2.22 | 12 |
| Delaware | 2.17 | 11 |
| Florida | 2.06 | 13 |
| Georgia | 2.31 | 12 |
| Hawaii | 2.49 | 11 |
| Idaho | 1.94 | 13 |
| Illinois | 2.34 | 10 |
| Indiana | 2.23 | 12 |
| Iowa | 2.53 | 12 |
| Kansas | 2.09 | 13 |
| Kentucky | 2.57 | 11 |
| Louisiana | 2.36 | 12 |
| Maine | 2.72 | 12 |
| Maryland | 3.02 | 7 |
| Massachusetts | 2.31 | 13 |
| Michigan | 2.11 | 12 |
| Minnesota | 2.22 | 12 |
| Mississippi | 2.32 | 12 |
| Missouri | 2.39 | 12 |
| Montana | 2.24 | 13 |
| Nebraska | 1.76 | 13 |
| Nevada | 1.71 | 13 |
| New Hampshire | 2.34 | 12 |
| New Jersey | 2.09 | 13 |
| New Mexico | 2.45 | 11 |
| New York | 2.16 | 13 |
| North Carolina | 2.54 | 11 |
| North Dakota | 2.01 | 11 |
| Ohio | 2.58 | 12 |
| Oklahoma | 2.16 | 11 |
| Oregon | 2.54 | 13 |
| Pennsylvania | 2.59 | 12 |
| Rhode Island | 2.37 | 12 |
| South Carolina | 2.37 | 9 |
| South Dakota | 2.46 | 11 |
| Tennessee | 1.85 | 13 |
| Texas | 2 | 12 |
| Utah | 2.58 | 12 |
| Vermont | 2.27 | 12 |
| Virginia | 2.72 | 11 |
| Washington | 2.23 | 11 |
| West Virginia | 2.35 | 11 |
| Wisconsin | 2.26 | 11 |
| Wyoming | 2.17 | 11 |
Fetch Pet Insurance Comparison
See how Fetch pet insurance fares against national competitors below.
Fetch vs. AKC | • Dogs: 2.70 vs. 4.30 • Cats: 2.95 vs. 3.85 | AKC beats Fetch in affordability, coverage and customer service for dogs and cats. |
Fetch vs. ASPCA | • Dogs: 2.70 vs. 3.85 • Cats: 2.95 vs. 3.35 | ASPCA is more affordable. Fetch has stronger coverage scores. |
Fetch vs. Embrace | • Dogs: 2.70 vs. 2.55 • Cats: 2.95 vs. 2.30 | Fetch beats Embrace overall, with better coverage for both dogs and cats. |
• Dogs: 2.70 vs. 3.60 • Cats: 2.95 vs. 3.80 | Figo costs less. Fetch has slightly stronger coverage scores. | |
Fetch vs. Hartville | • Dogs: 2.70 vs. 3.50 • Cats: 2.95 vs. 3.90 | Hartville is more affordable. Fetch has stronger coverage scores. |
• Dogs: 2.70 vs. 4.50 • Cats: 2.95 vs. 4.25 | Lemonade is ahead on affordability and overall scores. Fetch has better coverage for both pets. | |
Fetch vs. Liberty Mutual | • Dogs: 2.70 vs. 2.65 • Cats: 2.95 vs. 2.30 | Fetch beats Liberty Mutual on overall scores and coverage. |
• Dogs: 2.70 vs. 3.05 • Cats: 2.95 vs. 2.40 | MetLife costs less for dogs. Fetch has better coverage and stronger cat scores. | |
Fetch vs. Nationwide | • Dogs: 2.70 vs. 2.50 • Cats: 2.95 vs. 2.65 | Fetch has stronger coverage. Nationwide has better customer service. |
• Dogs: 2.70 vs. 4.05 • Cats: 2.95 vs. 3.80 | Pets Best is stronger on affordability and coverage. Fetch leads on customer experience. | |
• Dogs: 2.70 vs. 3.70 • Cats: 2.95 vs. 4.15 | Pumpkin is more affordable. Fetch has stronger coverage scores despite lower overall rankings. | |
Fetch vs. Rainwalk | • Dogs: 2.70 vs. 4.05 • Cats: 2.95 vs. 3.95 | Rainwalk has better customer service and affordability. Fetch has stronger coverage. |
Fetch vs. Spot | • Dogs: 2.70 vs. 3.75 • Cats: 2.95 vs. 4.15 | Spot is ahead on affordability and service. Fetch has stronger coverage scores. |
How Much Does Fetch Pet Insurance Cost?
Fetch's pet insurance costs average $77 a month ($929 a year) for dogs and $36 a month ($430 a year) for cats. Your rate depends on your location and pet breed.
| Dog | $77 | $60 | $929 | $723 | 28% |
| Cat | $36 | $32 | $430 | $379 | 14% |
Fetch Pet Insurance Rates by State
Premiums vary by state based on veterinary costs and local claim patterns. Fetch's cheapest pet insurance for cats is $24 a month in Arkansas. The most expensive is $46 a month in Massachusetts. For dogs, Arkansas is the lowest at $52 a month and Massachusetts the highest at $100.
Data filtered by:
Dog
| Alabama | $57 | $684 |
| Alaska | $75 | $907 |
| Arizona | $94 | $1,133 |
| Arkansas | $52 | $624 |
| California | $98 | $1,178 |
| Colorado | $98 | $1,171 |
| Connecticut | $89 | $1,062 |
| Delaware | $78 | $936 |
| Florida | $88 | $1,054 |
| Georgia | $70 | $840 |
| Hawaii | $78 | $940 |
| Idaho | $77 | $931 |
| Illinois | $96 | $1,153 |
| Indiana | $70 | $842 |
| Iowa | $65 | $782 |
| Kansas | $70 | $844 |
| Kentucky | $61 | $736 |
| Louisiana | $62 | $749 |
| Maine | $94 | $1,129 |
| Maryland | $76 | $912 |
| Massachusetts | $100 | $1,199 |
| Michigan | $78 | $934 |
| Minnesota | $80 | $965 |
| Mississippi | $66 | $791 |
| Missouri | $61 | $734 |
| Montana | $65 | $779 |
| Nebraska | $70 | $841 |
| Nevada | $80 | $965 |
| New Hampshire | $90 | $1,080 |
| New Jersey | $88 | $1,052 |
| New Mexico | $68 | $821 |
| New York | $84 | $1,013 |
| North Carolina | $69 | $829 |
| North Dakota | $60 | $715 |
| Ohio | $71 | $854 |
| Oklahoma | $65 | $777 |
| Oregon | $96 | $1,157 |
| Pennsylvania | $81 | $969 |
| Rhode Island | $67 | $809 |
| South Carolina | $74 | $884 |
| South Dakota | $69 | $823 |
| Tennessee | $72 | $860 |
| Texas | $82 | $985 |
| Utah | $74 | $888 |
| Vermont | $72 | $866 |
| Virginia | $83 | $994 |
| Washington | $89 | $1,071 |
| West Virginia | $67 | $804 |
| Wisconsin | $83 | $998 |
| Wyoming | $72 | $863 |
Fetch Pet Insurance Rates by Breed
Fetch's premiums change based on your pet's breed. Cat owners pay $32 monthly for British Longhairs but $44 for Abyssinians. Dog premiums show wider gaps, starting at $32 for small mixed breeds under 20 pounds and reaching $181 for Bullmastiffs. These price differences happen because some breeds face more health problems and need costlier veterinary care than others.
Data filtered by:
Select
Select
| Abyssinian | $44 | $522 |
| Affenpinscher | $47 | $568 |
| Afghan Hound | $67 | $809 |
| Airedale Terrier | $82 | $982 |
| Akita | $101 | $1,211 |
| Alaskan Husky | $46 | $552 |
| Alaskan Malamute | $101 | $1,211 |
| Alsatian | $89 | $1,071 |
| Alsation | $85 | $1,023 |
| American Bulldog | $143 | $1,717 |
| American Bully | $143 | $1,717 |
| American Eskimo | $46 | $552 |
| American Foxhound | $52 | $630 |
| American Hairless Terrier | $47 | $568 |
| American Staffordshire Terrier | $80 | $955 |
| Australian Cattle Dog | $55 | $665 |
| Australian Kelpie | $110 | $1,321 |
| Australian Mist | $40 | $476 |
| Australian Shepherd | $55 | $665 |
| Australian Silky Terrier | $47 | $568 |
| Australian Terrier | $82 | $982 |
| Balinese | $40 | $479 |
| Basenji | $67 | $809 |
| Basset Fauve de Bretagne | $110 | $1,321 |
| Basset Hound | $110 | $1,321 |
| Beagle | $67 | $809 |
| Bearded Collie | $55 | $665 |
| Belgian Shepherd Malinois | $89 | $1,071 |
| Bengal | $38 | $453 |
| Bernese Mountain Dog | $181 | $2,172 |
| Bichon Frise | $54 | $647 |
| Birman | $36 | $428 |
| Bloodhound | $67 | $809 |
| Bombay | $32 | $387 |
| Border Collie | $55 | $665 |
| Border Terrier | $59 | $703 |
| Borzoi | $110 | $1,321 |
| Boston Terrier | $73 | $880 |
| Boxer | $104 | $1,247 |
| Bracco Italiano | $101 | $1,211 |
| Briard | $82 | $982 |
| British Bulldog | $143 | $1,717 |
| British Longhair | $32 | $378 |
| British Shorthair | $39 | $468 |
| Brussels Griffon | $82 | $982 |
| Bullmastiff | $181 | $2,172 |
| Bull Mastiff | $181 | $2,172 |
| Bull Terrier | $104 | $1,247 |
| Burmese | $36 | $439 |
| Cairn Terrier | $82 | $982 |
| Cane Corso | $143 | $1,717 |
| Caucasian Shepherd Dog | $131 | $1,573 |
| Cavachon | $54 | $647 |
| Cavalier King Charles Spaniel | $84 | $1,011 |
| Cavapoo | $49 | $590 |
| Central Asian Shepherd Dog | $131 | $1,573 |
| Chihuahua | $41 | $496 |
| Chinchilla | $36 | $436 |
| Chow Chow | $101 | $1,211 |
| Clumber Spaniel | $84 | $1,011 |
| Cockapoo | $55 | $665 |
| Cocker spaniel | $84 | $1,011 |
| Collie | $80 | $955 |
| Corgi | $80 | $955 |
| Cornish Rex | $39 | $468 |
| Coton De Tulear | $54 | $647 |
| Dachshund | $52 | $630 |
| Dalmatian | $84 | $1,011 |
| Devon Rex | $36 | $436 |
| Dingo | $57 | $685 |
| Doberman Pincher | $103 | $1,237 |
| Doberman Pinscher | $131 | $1,573 |
| Dogue de Bordeaux | $181 | $2,172 |
| Domestic Shorthair | $32 | $383 |
| English Bulldog | $143 | $1,717 |
| English Foxhound | $52 | $630 |
| English Mastiff | $161 | $1,931 |
| English Pointer | $101 | $1,211 |
| English Setter | $84 | $1,011 |
| English Springer Spaniel | $55 | $665 |
| English Toy Terrier | $47 | $568 |
| Estrela Mountain Dog | $181 | $2,172 |
| Exotic Shorthair | $44 | $521 |
| Field Spaniel | $55 | $665 |
| Finnish Lapphund | $67 | $809 |
| Foxhound | $47 | $568 |
| Fox Terrier | $47 | $568 |
| French Bulldog | $143 | $1,717 |
| German Pinscher | $47 | $568 |
| German Shepherd | $89 | $1,071 |
| German Shorthaired Pointer | $84 | $1,011 |
| German Spitz | $67 | $809 |
| Giant Mix (100 pounds+) | $74 | $879 |
| Giant Mix (110 pounds+) | $69 | $829 |
| Giant Mix (111 pounds+) | $63 | $758 |
| Giant Mix (90 pounds+) | $93 | $1,111 |
| Goldendoodle | $64 | $765 |
| Golden Retriever | $87 | $1,041 |
| Gordon Setter | $143 | $1,717 |
| Great Dane | $161 | $1,931 |
| Great Pyrenees | $80 | $955 |
| Greyhound | $80 | $955 |
| Groodle | $54 | $652 |
| Harrier | $52 | $630 |
| Havanese | $57 | $684 |
| Himalayan | $37 | $447 |
| Hungarian Vizsla | $143 | $1,717 |
| Husky | $46 | $552 |
| Icelandic Sheepdog | $110 | $1,321 |
| Irish Setter | $101 | $1,211 |
| Irish Terrier | $82 | $982 |
| Italian Greyhound | $80 | $955 |
| Italian Spinone | $101 | $1,211 |
| Jack Russell Terrier | $47 | $568 |
| Japanese Chin | $67 | $809 |
| Japanese Spitz | $67 | $809 |
| Kangal Shepherd Dog | $161 | $1,931 |
| Keeshond | $67 | $809 |
| Komondor | $110 | $1,321 |
| Labradoodle | $64 | $765 |
| Labrador Retriever | $77 | $929 |
| Large Mix (51-100 pounds) | $63 | $762 |
| Large Mix (51-110 pounds) | $58 | $698 |
| Large Mix (55-90 pounds) | $64 | $778 |
| Large Mix (60-109 pounds) | $69 | $829 |
| Large Mix (61+ pounds) | $64 | $763 |
| Large Mix (71+ pounds) | $82 | $982 |
| Large Mix (Over 70 pounds) | $63 | $759 |
| Lhasa Apso | $67 | $809 |
| Lurcher | $80 | $955 |
| Maine Coon | $42 | $507 |
| Maltese | $80 | $955 |
| Maltipoo | $54 | $647 |
| Medium Mix (20-55 pounds) | $50 | $608 |
| Medium Mix (20-70 pounds) | $53 | $639 |
| Medium Mix (21-70 pounds) | $120 | $1,440 |
| Medium Mix (23-70 pounds) | $64 | $765 |
| Medium Mix (26-50 pounds) | $53 | $637 |
| Medium Mix (26-59 pounds) | $69 | $829 |
| Medium Mix (31-50 pounds) | $53 | $639 |
| Medium Mix (31-59 pounds) | $52 | $628 |
| Miniature Bull Terrier | $104 | $1,247 |
| Miniature Dachshund | $67 | $809 |
| Miniature Fox Terrier | $82 | $982 |
| Miniature Pinscher | $54 | $647 |
| Miniature Poodle | $57 | $684 |
| Miniature Schnauzer | $57 | $684 |
| Mixed Breed | $68 | $820 |
| Mixed Breed Giant (>90 lbs) | $97 | $1,163 |
| Mixed Breed Large (51-90 lbs) | $64 | $762 |
| Mixed Breed Medium (31-50 lbs) | $48 | $568 |
| Mixed Breed Small (>10 lbs) | $40 | $472 |
| Mixed Breed Small (11-30 lbs) | $41 | $495 |
| Mixed breed Small (up to 20lbs when full grown) | $38 | $458 |
| Mixed Dog (21-50 pounds) | $56 | $676 |
| Mixed Dog (51-90 pounds) | $68 | $812 |
| Mixed Dog (91 pounds+) | $71 | $855 |
| Morkie | $46 | $556 |
| Munchkin | $36 | $438 |
| Newfoundland | $181 | $2,172 |
| Norfolk Terrier | $82 | $982 |
| Norwegian Elkhound | $67 | $809 |
| Norwegian Forest cat | $35 | $422 |
| Norwich Terrier | $59 | $703 |
| Olde English Bulldogge | $143 | $1,717 |
| Old English Buldogge | $115 | $1,387 |
| Old English Sheepdog | $110 | $1,321 |
| Papillon | $54 | $647 |
| Pekingese | $54 | $647 |
| Pembroke Welsh Corgi | $80 | $955 |
| Persian | $39 | $472 |
| Peruvian Hairless Dog | $41 | $496 |
| Petit Basset Griffon Vendeen | $110 | $1,321 |
| Petit Basset Griffon Vendeens | $67 | $801 |
| Pitbull | $73 | $880 |
| Pointer | $84 | $1,011 |
| Pomeranian | $54 | $647 |
| Portuguese Water Dog | $89 | $1,071 |
| Pug | $82 | $982 |
| Puggle | $54 | $647 |
| Puli | $110 | $1,321 |
| Ragdoll | $32 | $387 |
| Rhodesian Ridgeback | $101 | $1,211 |
| Rottweiler | $143 | $1,717 |
| Rough Collie | $55 | $665 |
| Russian Blue | $33 | $401 |
| Saint Bernard | $143 | $1,717 |
| Saluki | $67 | $809 |
| Samoyed | $67 | $809 |
| Savannah | $40 | $477 |
| Schnoodle | $47 | $568 |
| Scottish Deerhound | $110 | $1,321 |
| Scottish Fold | $38 | $449 |
| Scottish Terrier | $82 | $982 |
| Serengeti | $36 | $437 |
| Shar Pei | $67 | $809 |
| Shetland Sheepdog | $55 | $665 |
| Shiba Inu | $46 | $552 |
| Shih Tzu | $41 | $496 |
| Siamese | $33 | $395 |
Is Fetch Pet Insurance Expensive?
Fetch ranks 12th for cat insurance affordability and 13th for dog insurance affordability, making it far from the cheapest option. Use the filterable table below to see whether Fetch is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $105 | $1,260 | 47% |
Fetch Pet Insurance Discounts
Fetch has three pet insurance discounts: military, AARP membership and employer group benefits. Each saves 10% for qualifying customers. Multi-pet owners may find additional savings through group coverage arrangements.
AARP membership | 10% | AARP members who enroll through the AARP benefit page |
Military | 10% | Active military and veterans with proof of service |
Employer group benefit | 10% | Employees who sign up through a participating employer's group plan |
Fetch Pet Insurance Customer Service Reviews and Ratings
Fetch ranks sixth nationally for customer service for both cats and dogs, with a high Better Business Bureau rating and strong Trustpilot feedback. Reddit tells a different story: praise for helpful representatives sits alongside complaints about claim processing and slow response times. Experiences vary enough that it's worth reading recent reviews before buying.
Fetch Trustpilot Reviews
Fetch earns a 4.5 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Fetch's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Fetch Better Business Bureau Rating
Fetch holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing Fetch meets its standards for trust and resolves customer complaints effectively.
Fetch Pet Insurance Reddit Sentiment
Reddit sentiment on Fetch is poor. Of 13 comments in our analysis, only 8% were positive, which means one favorable review against 12 negative ones. Claim denials and coverage gaps are the most common complaints, and frustration with Fetch's claims process comes up repeatedly. The sample is small but consistent enough to flag.
Fetch Pet Insurance Coverage
Fetch offers pet insurance coverage for dogs and cats. Pet owners can customize their policies by choosing from different coverage tiers and adding optional wellness benefits, allowing them to match their plan with their budget and their pet's needs.
Common annual deductible options include $250 to $2,500 | |
$5,000, $10,000, Unlimited | |
70%, 80%, 90% | |
Coverage highlights | Accident and illness: emergency care, diagnostics, surgery, hospitalization, prescription medications, dental disease and tooth injury, boarding fees when owner is hospitalized (limits apply), advertising and reward for lost pets (limits apply) |
Included as part of covered sick visits (no separate exam fee exclusion for many claims) | |
Qualifying prescription medications reimbursed up to 100% when ordered via Fetch Pet Rx (subject to deductible and policy limits) | |
Telehealth | Online vet visits covered (example: up to $1,000 per year with partnered telehealth vendor) |
Waiting period of 15 days for accident and illness coverage, 6 months for orthopedic and cruciate conditions | |
Pre-existing conditions | Excluded: conditions with clinical signs before enrollment or during waiting periods; curable pre-existing conditions may be considered if treatment- and symptom-free for 365 days |
Age limits/enrollment | Coverage starts as young as six weeks for some pets; no general upper age limit in many states for enrollment (availability may vary by state) |
Network/vets | Any licensed veterinarian, including specialists and emergency clinics, in the U.S. and Canada |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
Fetch Pet Insurance Coverage Add-Ons
Fetch provides an optional wellness plan in three tiers, covering preventive care like vaccinations, dental cleanings and routine exams. These plans have no deductibles or waiting periods, so pet owners receive immediate coverage after signing up.
Fetch Wellness | Add-on for routine care: annual exams, vaccines, dental cleanings, parasite prevention, spay/neuter, fecal and urinalysis, microchipping. Has three tiers to choose from: Essential, Advantage and Prime |
Is Fetch Pet Insurance Good: Bottom Line
Fetch charges $77 monthly for dog insurance and $36 for cat coverage on average. The company ranks sixth nationwide for customer experience and maintains high Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness add-ons available for routine care coverage.
Browse through our review guides for the top pet insurance companies for your pet:
Fetch Pet Insurance Review: FAQ
Find answers to common questions about Fetch pet insurance coverage below.
Is Fetch pet insurance worth it in 2026?
Fetch pet insurance is worth it if coverage depth matters more to you than price. It ranks third nationally for coverage and has strong customer experience scores. At $77 a month for dogs and $36 for cats, it's not the most affordable option and won't be the right fit for budget-focused owners.
What do Reddit users really think about Fetch pet insurance?
Reddit users are mostly negative on Fetch. Only 8% of comments are positive, so one favorable review against 12 critical ones. Denied claims and poor customer service responses are the most common complaints. A few users point to the app interface and quote process as positives.
Does Fetch cover pre-existing conditions for pets?
Fetch excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Fetch?
Yes, Fetch provides a multiple-pet discount when you insure more than one pet on the same policy. The company also offers additional savings through AAA membership discounts, employee benefit programs and other partnership deals that can help reduce your monthly premiums.
Is Fetch pet insurance available in my state?
Yes, Fetch pet insurance operates in all 50 states. Premium costs vary by location. Cat coverage starts at $24 monthly in Arkansas and reaches $46 in Massachusetts. Dog insurance ranges from $52 per month in Arkansas to $100 in Massachusetts, making location a key factor in pricing.
How We Rated Fetch Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how Fetch performs across the following key areas:
Affordability (50% of score): We analyzed premium costs using quotes across various pet breeds, ages and coverage levels. Discounts were factored in to reflect actual expenses pet owners face.
Customer Experience (30% of score): This assessment draws from real user reviews and ratings on platforms like Trustpilot and Reddit to gauge genuine customer satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and the breadth of protection to assess overall value for pet owners.
All pricing data was standardized using quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and an 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Fetch Pet Insurance." Accessed March 25, 2026.
- Trustpilot. "Fetch Pet Insurance." Accessed March 25, 2026.