Fetch's pet insurance scores 2.95 out of 5 for cats and 2.70 for dogs in MoneyGeek's analysis. The provider excels in coverage for cats and dogs, though its premiums are more expensive. Fetch requires a 15-day waiting period for accident coverage, longer than many competitors offer.
Fetch Pet Insurance Review
Updated: October 16, 2025
Advertising & Editorial Disclosure
Fetch Pet Insurance Review: Key Takeaways
Fetch ranks 12th in cat insurance affordability and 13th for dogs, with monthly premiums averaging $36 for cats and $77 for dogs.
Ranking sixth nationally for customer experience, Fetch maintains an A+ Better Business Bureau rating and receives moderate customer reviews on Trustpilot.
Fetch ranks third nationwide for coverage quality, offering comprehensive accident and illness insurance policies with customizable deductibles and annual limits.
Fetch Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 1.76 | 13 |
| Coverage | 3.69 | 3 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.70 | 11 |
WHO IS FETCH PET INSURANCE BEST FOR?
Fetch ranks among the best pet insurance companies for owners wanting affordable deductibles and unlimited payout limits. The provider includes hereditary conditions, behavioral issues and exam fees at no extra cost. Fetch's 15-day accident waiting period may not suit pet parents needing immediate coverage.
Fetch Pet Insurance Ratings by State
Fetch provides pet insurance nationwide across all 50 states. The company achieves its best overall ranking of eighth place for cats in one state and 10th place in 41 states for cats. For dogs, Fetch ranks 11th in 26 states. It performs consistently with third place for coverage nationwide and sixth place for customer experience.
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Category:Affordability
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Pet Type:Cat
| Alabama | 2.43 | 11 |
| Alaska | 2.20 | 12 |
| Arizona | 2.01 | 13 |
| Arkansas | 2.20 | 11 |
| California | 2.39 | 13 |
| Colorado | 2.45 | 13 |
| Connecticut | 2.23 | 12 |
| Delaware | 2.18 | 11 |
| Florida | 2.07 | 13 |
| Georgia | 2.32 | 12 |
| Hawaii | 2.50 | 11 |
| Idaho | 1.94 | 13 |
| Illinois | 2.34 | 10 |
| Indiana | 2.23 | 12 |
| Iowa | 2.53 | 12 |
| Kansas | 2.10 | 13 |
| Kentucky | 2.57 | 11 |
| Louisiana | 2.36 | 12 |
| Maine | 2.73 | 12 |
| Maryland | 3.02 | 7 |
| Massachusetts | 2.31 | 13 |
| Michigan | 2.11 | 12 |
| Minnesota | 2.22 | 12 |
| Mississippi | 2.33 | 12 |
| Missouri | 2.40 | 12 |
| Montana | 2.25 | 13 |
| Nebraska | 1.76 | 13 |
| Nevada | 1.72 | 13 |
| New Hampshire | 2.35 | 12 |
| New Jersey | 2.09 | 13 |
| New Mexico | 2.45 | 11 |
| New York | 2.16 | 13 |
| North Carolina | 2.55 | 11 |
| North Dakota | 2.01 | 11 |
| Ohio | 2.59 | 12 |
| Oklahoma | 2.17 | 11 |
| Oregon | 2.54 | 13 |
| Pennsylvania | 2.60 | 12 |
| Rhode Island | 2.37 | 12 |
| South Carolina | 2.38 | 9 |
| South Dakota | 2.47 | 11 |
| Tennessee | 1.86 | 13 |
| Texas | 2.00 | 12 |
| Utah | 2.59 | 12 |
| Vermont | 2.28 | 12 |
| Virginia | 2.72 | 11 |
| Washington | 2.23 | 11 |
| West Virginia | 2.36 | 11 |
| Wisconsin | 2.27 | 11 |
| Wyoming | 2.18 | 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 offers better affordability, while Fetch offers stronger coverage scores. |
Fetch vs. Embrace | • Dogs: 2.70 vs. 2.55 • Cats: 2.95 vs. 2.30 | Fetch edges Embrace overall, with stronger coverage for dogs and cats. |
Fetch vs. Figo | • Dogs: 2.70 vs. 3.60 • Cats: 2.95 vs. 3.80 | Figo is more affordable, but Fetch provides slightly stronger coverage scores. |
Fetch vs. Hartville | • Dogs: 2.70 vs. 3.50 • Cats: 2.95 vs. 3.90 | Hartville offers better affordability, while Fetch maintains stronger coverage scores. |
Fetch vs. Lemonade | • Dogs: 2.70 vs. 4.50 • Cats: 2.95 vs. 4.25 | Lemonade leads in affordability and overall scores, while Fetch provides better coverage for both pets. |
Fetch vs. Liberty Mutual | • Dogs: 2.70 vs. 2.65 • Cats: 2.95 vs. 2.30 | Fetch narrowly beats Liberty Mutual with stronger overall scores and coverage. |
Fetch vs. MetLife | • Dogs: 2.70 vs. 3.05 • Cats: 2.95 vs. 2.40 | MetLife is more affordable for dogs, but Fetch provides better coverage and stronger cat performance. |
Fetch vs. Nationwide | • Dogs: 2.70 vs. 2.50 • Cats: 2.95 vs. 2.65 | Fetch edges Nationwide with stronger coverage, though Nationwide offers better customer service. |
Fetch vs. Pets Best | • Dogs: 2.70 vs. 4.05 • Cats: 2.95 vs. 3.80 | Pets Best excels in affordability and coverage, but Fetch has an advantage in overall customer experience. |
Fetch vs. Pumpkin | • Dogs: 2.70 vs. 3.70 • Cats: 2.95 vs. 4.15 | Pumpkin leads in affordability, while Fetch stands out for coverage despite lower overall scores. |
Fetch vs. Rainwalk | • Dogs: 2.70 vs. 4.05 • Cats: 2.95 vs. 3.95 | Rainwalk offers stronger customer service and affordability, while Fetch performs better in coverage. |
Fetch vs. Spot | • Dogs: 2.70 vs. 3.75 • Cats: 2.95 vs. 4.15 | Spot beats Fetch in affordability and service, but Fetch provides stronger coverage scores. |
How Much Does Fetch Pet Insurance Cost?
Fetch's pet insurance costs an average of $77 monthly ($929 annually) for dog coverage and $36 monthly ($430 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $77 | $60 | $929 | $723 | 28% |
| Cat | $36 | $32 | $430 | $379 | 14% |
Fetch Pet Insurance Rates by State
Pet insurance premiums vary by state based on veterinary costs and local claim patterns. Fetch offers the cheapest pet insurance for cats in Arkansas at $24 monthly and the most expensive coverage in Massachusetts at $46. For dogs, Fetch provides the lowest monthly rate in Arkansas at $52 and the highest in Massachusetts at $100.
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Pet Type: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.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $44 | $522 |
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.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$500
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Annual Limit:$5,000
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Reimbursement %:80%
| $105 | $1,260 | 47% |
Fetch Pet Insurance Discounts
Fetch provides three pet insurance discounts to help reduce premium costs. Pet owners can save through military discounts, affinity group memberships and employer benefit programs. These discount options make coverage more affordable for qualifying customers. Additional savings opportunities may be available through group coverage arrangements if you have multiple pets.
AARP membership | 10% | Must be an AARP member and enroll through the AARP benefit page |
Military (active and veteran) | 10% | Must be active military or a veteran; enroll with proof of service |
Promotional/Limited-time offers | Varies (up to 10%) | New-customer promotions or limited-time sales; terms vary by offer |
Multiple pet | Up to 10% | Discount may apply when insuring additional pets under the same account; availability varies by state and offer |
Fetch Pet Insurance Customer Service Reviews and Ratings
Fetch ranks sixth nationally for customer service with both cats and dogs. The company maintains a high Better Business Bureau rating and receives strong feedback on Trustpilot. Reddit users share mixed experiences, with some praising helpful representatives while others reporting frustrations with claim processing and support response times. The feedback suggests customer experiences can vary significantly.
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
Fetch shows challenging Reddit sentiment in our analysis of 13 comments, with only 8% positive feedback. One favorable comment praised customer service, while 12 negative reviews highlighted claim denials and coverage gaps. Users frequently expressed frustration with Fetch's claims process. This small sample suggests mixed customer experiences worth considering before purchasing coverage.
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.
Deductibles | Common annual deductible options include $250, $300; Fetch lets you choose an annual deductible that fits your price point |
Annual limits/max annual payout | $5,000, $10,000, $15,000 (options vary); some plan configurations offer higher limits or unlimited limits in select markets |
Reimbursement rates | Up to 90% (choices typically include 70%, 80%, 90% depending on plan configuration) |
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) |
Exam fees | Included as part of covered sick visits (no separate exam fee exclusion for many claims) |
Prescription meds | 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 periods | Typical waiting period up to 15 days for accident and illness coverage; wellness add-on often has a shorter waiting period (or none) |
Pre-existing conditions | Excluded: conditions with clinical signs before enrollment or during waiting periods; curable pre-existing conditions may be considered after symptom-free periods per policy terms |
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 wellness add-ons that cover 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; often marketed as available from around $10/month when paired with core coverage; no deductible for wellness benefits in most cases |
Prescription savings & Fetch Pet Rx | Online pharmacy program; qualifying prescriptions and certain supplements reimbursed (100% reimbursement may apply for qualifying meds when purchased through Fetch Pet Rx, subject to deductible and policy limits) |
Telehealth benefit | Virtual vet visits with an annual sublimit (example: up to $1,000/year) included or available as an add-on depending on plan; no copay for covered telehealth up to the stated sublimit |
Additional perks (covered expenses) | Advertising and reward for lost pets, boarding fees when owner is hospitalized and other value benefits subject to annual sublimits |
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.
Fetch Pet Insurance Review: FAQ
Find answers to common questions about Fetch pet insurance coverage below.
Is Fetch pet insurance worth it in 2025?
Fetch delivers solid value in 2025, particularly for comprehensive coverage needs. The company ranks third nationally for coverage options and maintains strong customer experience scores. Affordability remains a concern with average premiums of $77 monthly for dogs and $36 for cats, making it less competitive for budget-conscious pet owners.
What do Reddit users really think about Fetch pet insurance?
Reddit users overwhelmingly dislike Fetch pet insurance. Only 8% of comments were positive, with just one favorable review compared to 12 negative ones. Common complaints focus on denied claims and poor customer service responses. Some users appreciate the app's user-friendly interface and quick quote process.
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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Fetch Pet Insurance." Accessed October 18, 2025.
- Trustpilot. "Fetch Pet Insurance." Accessed October 18, 2025.