If you’ve searched “fetch pet insurance reviews” or “is fetch pet insurance good,” you’re probably trying to decide whether it’s worth insuring your dog or cat with one of the most talked-about names in the industry. Fetch Pet Insurance (formerly Petplan) has built a reputation for broad coverage and a partnership with animal-media brand The Dodo, and it shows up constantly in “best pet insurance” roundups. This guide breaks down what Fetch actually covers, what real customers say about it, how much it costs, and the practical stuff — logging in, reaching customer service, and canceling a policy — that people search for most.
What Is Fetch Pet Insurance?
Fetch offers customizable accident-and-illness insurance for dogs and cats across the United States and Canada. The company combines insurance industry expertise with the animal-loving sensibility of The Dodo. Policies are administered by Fetch Insurance Services, LLC and underwritten by AXIS Insurance Company in the U.S. (AXIS Reinsurance Company in Canada).
Fetch also positions itself as more than just an insurer. The company has a Veterinary Advisory Board made up of veterinary professionals and pet-industry leaders who help shape its products and educational content, and it’s a visible supporter of animal welfare causes — it campaigns for donations to Project Street Vet, a nonprofit that provides free veterinary care to pets of people experiencing homelessness. Fetch has said it has directed millions of dollars toward shelters and rescue organizations over time.
What Does Fetch Pet Insurance Cover?
This is one of the most common questions people have before signing up, so here’s the breakdown:
What’s covered:
- Accidents and illnesses, including emergency vet visits, surgery, and dental issues
- Name-brand prescription medications
- You choose a reimbursement level of 70%, 80%, or 90% after your deductible, with an annual limit of $5,000, $10,000, or unlimited depending on your plan
- Optional wellness/routine care add-ons for things like vaccines and checkups
- Up to $1,000 a year in virtual vet care, according to Fetch’s own marketing
- Coverage works with any licensed vet in the U.S. or Canada, and claims are typically submitted through Fetch’s app with reimbursement by direct deposit
Age and enrollment:
Fetch doesn’t enforce upper age limits, so pets can be enrolled any time after they turn six weeks old — unlike some competitors that restrict older pets to accident-only coverage.
Waiting periods:
Fetch’s waiting periods run up to 15 days for accidents and illnesses, and six months for orthopedic conditions. There’s also a waiting period for breeding-related complications.
What’s NOT covered:
Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items (unless you’ve added that coverage), or accidents and illnesses that occur during the waiting periods.
How Much Does Fetch Pet Insurance Cost?
Pricing depends heavily on your pet’s age, breed, location, and the deductible/reimbursement combo you pick. As a rough benchmark, average premiums have been cited around $35 a month for dogs and $20 a month for cats, though this varies by location, age, and breed. Plans typically let you customize your annual limit, co-pay, and deductible, so the same policy can look very different in price depending on how you configure it — it’s worth running a quote for your specific pet rather than relying on averages.
Is Fetch Pet Insurance Good? What Reviews Say
Reviews on Fetch are mixed but generally lean positive, especially around customer service and claims speed.
The positives people mention:
On Trustpilot, several recent reviewers highlight fast, hassle-free claims — one customer described an easy claims process with timely responses and payment within days, and another noted that claim status updates were provided via text. Multiple reviewers also praise individual Fetch agents by name for being knowledgeable and patient when setting up policies or answering questions, both in the U.S. and Canada.
The complaints people mention:
Not every review is glowing. On Yelp, one long-time customer complained that their premium more than tripled by the time their dog turned six, after slight increases in the first several years — a common complaint across the pet insurance industry as pets age, not unique to Fetch. Another Yelp reviewer noted that uploading documents through the app can be difficult for older users who aren’t very tech-savvy. On Trustpilot, at least one reviewer was blunt about being unhappy with automated support, calling it unhelpful and overly reliant on bots rather than live agents.
Bottom line: Fetch tends to score well for coverage breadth (no breed/age restrictions, high annual limits, prescription coverage) and claims turnaround, but like most pet insurers, premiums can climb noticeably as your pet ages, and some customers find the initial account/app setup a little clunky.
Fetch Pet Insurance Login
To manage your policy, file a claim, or check your coverage details, you’ll log in through Fetch’s website (fetchpet.com) or the Fetch mobile app using the email and password you set up during enrollment. If you’re an AARP member with a Fetch policy, note that AARP’s benefits portal links out to Fetch’s own login — AARP itself doesn’t host your account.
If you’ve forgotten your login credentials, the fastest fix is usually the “forgot password” link on the sign-in page, or a quick call to Fetch’s customer service line to have them verify your identity and help you back in.
Fetch Pet Insurance Phone Number and Customer Service
Fetch’s customer service phone number is (866) 509-0163. Representatives are generally available Monday through Friday from 8:00 am to 9:00 pm, and Saturday from 9:00 am to 7:00 pm (closed Sundays), though hours can shift, so it’s worth confirming when you call.
For cancellations specifically, Fetch has also listed a dedicated line: 1-866-467-3875, described by Fetch as the number to call if you’ve decided to cancel your policy. Fetch also frames cancellation calls as a chance to first adjust your plan — its team says it will try to customize your coverage to better fit your budget before processing a cancellation, if that’s something you’re open to.
How to Cancel Fetch Pet Insurance
If you’ve decided Fetch isn’t the right fit anymore, here are your main options:
1. Cancel by phone. This is the most direct route — call customer service, confirm you have no outstanding claims, and request cancellation. Ask for written confirmation of the cancellation and any refund amount before you hang up, so you have a record if you’re billed again later.
2. Cancel online. You can log into your account at fetchpet.com, go to Policy Settings or Account Settings, and select the cancellation option there — generally the fastest method, since it generates an immediate confirmation.
3. Cancel by email or mail. Fetch also allows cancellation by email, or by sending a written cancellation notice to Fetch Pet Insurance, PO Box 1489, Bolingbrook, IL 60440.
What about refunds? If you cancel within the first 30 days and haven’t filed a claim, you’re entitled to a full refund — this is the “risk-free” or “free look” period. After that window, Fetch issues a pro-rata refund, meaning you only pay for the days your policy was active and get back the unused portion of your premium. Refund rules can vary somewhat by state, so it’s worth double-checking your specific policy documents before you cancel.
Whatever method you use, keep a paper trail — a confirmation email, a screenshot, or a reference number from your call — in case you’re charged again after canceling.
AARP Fetch Pet Insurance Discount
If you’re an AARP member, Fetch is one of AARP’s official member benefit partners. AARP members save 10% on monthly premiums for the lifetime of their pet’s policy with Fetch, on top of the standard coverage that pays back up to 90% of unexpected vet bills for accidents and illnesses, including full reimbursement on qualifying pet medications. To activate the discount, you generally need to enter your AARP membership number when getting a quote on Fetch’s site, or mention it when you call.
It’s worth noting the fine print here: AARP’s commercial member benefits, including the Fetch partnership, are provided by third parties and not by AARP or its affiliates directly — so your actual contract and customer service relationship is with Fetch, not AARP.
Fetch Pet Insurance Careers and Jobs
Fetch also regularly hires across sales, customer service, and operations roles, with a mix of remote, hybrid, and in-office positions. The company has offered fully remote and hybrid roles across multiple states, spanning insurance, animal-related, and finance/accounting positions, along with benefits like medical coverage, 401(k) matching, and PTO. Common openings include Member Experience Specialist, Customer Advocate, and Insurance Sales/Strategic Partner roles, many of which are remote and involve helping pet parents choose or maintain coverage.
Employee reviews are mixed, as they are at most companies: some describe supportive managers and a solid overall experience, while others caution that pay and expectations should be confirmed and gotten in writing before accepting an offer. If you’re interested in working there, current openings are typically listed on Fetch’s own careers page as well as major job boards like Indeed, Glassdoor, and FlexJobs.
Is Fetch Pet Insurance Worth It?
Fetch stands out for not restricting coverage by breed, age, or pre-existing size limitations, for high customizable reimbursement and annual limits, and for a claims process that many recent reviewers describe as quick. The trade-offs to weigh are the same ones that apply to most comprehensive pet insurance plans: premiums can rise as your pet ages, and the standard exclusions (pre-existing conditions, cosmetic procedures, boarding, wellness items unless added) still apply.
If you’re already an AARP member, the 10% lifetime discount makes the math more attractive. Either way, the best way to know if it’s the right fit for your dog or cat is to run a personalized quote, since price and coverage details vary a lot based on your pet’s breed, age, and location — and to read through the waiting periods and exclusions closely before you enroll.
This article is for general informational purposes and isn’t financial or insurance advice. Always review your actual policy documents and current terms directly with Fetch Pet Insurance before enrolling, changing, or canceling a plan.