Fetch Pet Insurance (formerly known as Petplan) is one of the leading pet insurance providers in the United States, offering customizable plans designed to protect your pets in times of unexpected illness, injury, or accidents. Known for its comprehensive coverage and excellent customer service, Fetch Pet Insurance provides pet owners with the peace of mind that their pets will have the necessary medical care without breaking the bank.

In this guide, we’ll explore everything you need to know about Fetch Pet Insurance, including the types of coverage it offers, pricing, benefits, and how it stacks up against other pet insurance providers.

What is Fetch Pet Insurance?

Fetch Pet Insurance is an established pet insurance company that offers affordable and flexible coverage for dogs and cats. The company prides itself on providing comprehensive coverage for a wide range of medical issues, from accidents and illnesses to ongoing treatments. Fetch Pet Insurance stands out for offering policies that are customizable, making it easy for pet owners to tailor their plans to their pets' specific needs.

Fetch is known for its strong reputation and customer-centric approach, which has made it a popular choice for pet owners seeking reliable and thorough coverage for their pets. Whether you're looking for basic accident coverage or a more comprehensive plan that includes wellness visits, Fetch has several options to fit your needs.

Types of Coverage Offered by Fetch Pet Insurance

Fetch offers various levels of coverage to meet the needs of pet owners. Below, we’ll outline the main plans and options available through Fetch Pet Insurance.

1. Accident and Illness Coverage

This is the most popular plan offered by Fetch, covering both accidents and illnesses. It provides protection for a wide range of situations, from emergencies to ongoing health conditions.

What’s Covered:

• Accidents such as broken bones, cuts, or car accidents.
• Illnesses like infections, allergies, cancer, diabetes, and arthritis.
• Surgery, hospitalization, and prescription medications.
• Diagnostic testing (X-rays, blood tests, ultrasounds, etc.).
• Emergency vet visits, including treatments for accidental poisoning or injury.

What’s Not Covered:

• Pre-existing conditions (conditions that existed before your policy started).
• Elective or cosmetic procedures (such as tail docking or spaying for non-medical reasons).
• Routine care, like vaccinations and flea treatments (unless added as an optional wellness plan).

2. Accident-Only Coverage

If you’re looking for a more affordable option, Fetch offers an accident-only plan, which is ideal for pet owners who are primarily concerned about covering accidents. It does not include coverage for illnesses, but it still provides protection for emergency situations.

What’s Covered:

• Injuries resulting from accidents, such as broken bones, cuts, bites, and sprains.
• Emergency care, surgery, and diagnostic tests related to accidents.
• Hospital stays and medications for accident-related treatments.

What’s Not Covered:

• Illnesses or conditions that arise from illness, including infections or chronic conditions.
• Routine or preventive care like vaccinations and dental cleanings.
• Elective procedures or cosmetic surgeries.

3. Wellness Coverage (Optional Add-On)

Fetch offers an optional wellness plan that can be added to either the accident-and-illness or accident-only plans. The wellness coverage helps pet owners cover the costs of routine care and preventive services, which are often not covered by standard insurance policies.

What’s Covered:

• Annual wellness exams, vaccinations, and flea/tick prevention.
• Routine dental cleanings and checkups.
• Heartworm testing, deworming, and other preventive treatments.

What’s Not Covered:

• Emergency care, surgery, or treatments unrelated to routine care.
• Medical conditions or treatments that arise outside of wellness care.

Benefits of Fetch Pet Insurance

Fetch Pet Insurance provides several advantages for pet owners looking to protect their pets. Some of the key benefits of Fetch include:

1. Comprehensive and Flexible Coverage

Fetch offers a variety of plans that can be tailored to your pet's unique needs. Whether you're looking for basic accident coverage or a comprehensive plan that includes illness, injuries, and wellness care, Fetch allows you to customize the level of protection for your pet.

2. No Upper Age Limits

Unlike many other pet insurance providers, Fetch does not impose an age limit on new customers. This makes Fetch an attractive option for pet owners with senior pets or those looking to insure their older pets without worrying about age restrictions.

3. Fast Claims Processing

Fetch makes filing and processing claims as easy as possible. You can submit claims online or via the mobile app, and many claims are processed within 10 days or less. Fetch's streamlined claims process ensures you won’t be left waiting for reimbursement after paying for your pet’s treatments.

4. Coverage for Chronic Conditions

Fetch offers coverage for chronic conditions, such as arthritis or diabetes, which is important for long-term pet health. This allows your pet to receive ongoing treatment for conditions that require management throughout their life.

5. 24/7 Vet Helpline

Fetch Pet Insurance includes access to a 24/7 vet helpline, giving you the ability to speak with licensed veterinarians anytime you need advice on your pet’s health. This feature can be incredibly helpful in case of emergencies or if you need guidance outside of normal veterinary office hours.

6. Transparency

Fetch is transparent about its coverage options, pricing, and policies. The company makes it easy for you to understand what’s covered and what’s not, and they provide clear information about their terms and conditions.

How Much Does Fetch Pet Insurance Cost?

The cost of Fetch Pet Insurance depends on several factors, including your pet’s age, breed, location, and the type of coverage you select. On average, premiums for accident-and-illness coverage typically range between $30 and $60 per month, while accident-only coverage may cost between $10 and $30 per month. Adding wellness coverage as an optional add-on can increase the monthly premium by around $10 to $20.

Here are a few factors that influence the price of your policy:

• Pet Age: Older pets tend to have higher premiums due to their increased likelihood of developing health issues.
• Breed: Certain breeds are more prone to specific health conditions, which can increase the cost of coverage. For example, large dog breeds like Great Danes or Bulldogs may have higher premiums.
• Location: Veterinary care costs vary depending on where you live, so pet insurance premiums may be higher in cities with more expensive veterinary services.
• Coverage Type: More comprehensive plans with higher coverage limits, lower deductibles, and optional wellness care will generally cost more than basic accident-only coverage.

How to Sign Up for Fetch Pet Insurance

Signing up for Fetch Pet Insurance is straightforward. Here’s how you can get started:

1. Get a Quote: Visit the Fetch website and fill out a quote request form with details about your pet, including their breed, age, and medical history.
2. Choose Your Coverage: Based on your pet’s information, Fetch will offer you several coverage options. You can choose from accident-only, accident-and-illness, or add wellness coverage as an optional add-on.
3. Review the Terms: Take the time to review your policy options, including deductibles, coverage limits, and reimbursement percentages.
4. Complete Your Application: Once you’re satisfied with your policy, complete your application online. You’ll need to provide payment details, and the policy will take effect once your application is processed.
5. Start Your Coverage: After your application is approved, your pet will be insured under the selected policy, and you can start making claims if necessary.

How to File a Claim with Fetch Pet Insurance

Filing a claim with Fetch is simple and can be done through the following steps:

1. Submit Your Claim: After your pet receives treatment, you can submit your claim online or through the Fetch mobile app. You'll need to provide invoices or receipts from your vet visit.
2. Processing: Fetch will review your claim and process it, typically within 10 days or less.
3. Reimbursement: Once the claim is approved, Fetch will reimburse you via direct deposit or check, depending on your preference.

Conclusion

Fetch Pet Insurance provides comprehensive coverage and reliable customer service for pet owners looking to protect their pets from unexpected medical expenses. With flexible coverage options, a transparent pricing model, and a user-friendly claims process, Fetch is an excellent choice for both new and experienced pet owners.

Whether you’re looking for basic accident coverage or a full, comprehensive plan with wellness care, Fetch has plans that can be tailored to meet your needs and budget. If you're in search of affordable, flexible pet insurance with excellent customer support, Fetch Pet Insurance is definitely worth considering.