Fetch Pet Insurance Review: High Costs with Some Coverage Benefits
When it comes to safeguarding your furry friend’s health, Fetch pet insurance might seem appealing due to its extensive coverage options. However, a detailed evaluation reveals that it’s not all sunshine and rainbows—especially when it comes to the price tag.
Cost Considerations
Let’s get straight to the point: Fetch is the priciest pet insurance provider evaluated. At nearly 55% above the average cost for a $5,000 annual coverage plan, it’s important to weigh whether the benefits justify the expense. Other companies offer similar coverage at much more competitive rates, providing significant value without breaking the bank.
What Fetch Offers
Despite the high costs, Fetch does have some redeeming features:
-
Curable Preexisting Conditions: If your pet has a curable condition and remains symptom-free for 12 months, it becomes eligible for coverage. This includes common issues like respiratory infections.
- Unique Coverage Benefits: Fetch covers various costs that are less commonly found in pet insurance policies:
- Lost Pet Assistance: Coverage for advertising and rewards if your pet goes missing.
- Travel Interruptions: Reimbursement for vacation cancellations due to pet illness.
- Kennel Costs: Up to $1,000 for kennel fees if you end up hospitalized.
Pros and Cons
Pros:
- Covers dental issues
- Includes alternative therapies like acupuncture
- Reimburses for smaller costs related to lost pets
Cons:
- High average costs—not ideal for budget-conscious pet owners
- Maximum annual coverage capped at $15,000
- No multi-pet discounts available
Coverage Details and Waiting Periods
Fetch’s coverage structure includes choices for annual maximum limits ($5,000, $10,000, or $15,000), as well as deductibles ranging from $300 to $700. Here’s a quick look at their waiting periods:
- Accident coverage: 15 days
- Illness coverage: 15 days
- Special waiting periods apply to certain issues, like 6 months for cruciate ligament problems.
Wellness Plans
Fetch also offers three wellness plans to cover basic needs:
- Essentials: Up to $315 in annual coverage for around $10/month.
- Advantage: Coverage of up to $520 for $20/month.
- Prime: Offers up to $735 for $30/month, the most comprehensive option available.
While these plans provide essential pet care, they might not cover things like preexisting conditions or certain preventive care.
Claims Process
Filing claims with Fetch is relatively straightforward. After a vet visit, keep your paid invoice and medical records handy. Claims must be submitted within 90 days, and you can check your claim status via Fetch’s mobile app, which boasts favorable ratings. Direct deposit is available, helping you receive reimbursements faster.
Final Thoughts
For prospective pet owners contemplating Fetch pet insurance, the upfront costs may lead you to reconsider. While the policy offers a robust range of coverage, the steep price may not provide the value you’re seeking. It’s advisable to explore other insurers that might offer better prices for comparable plans.
In the end, finding the right pet insurance shouldn’t feel like a gamble—do your homework and choose wisely!
Writes about personal finance, side hustles, gadgets, and tech innovation.
Bio: Priya specializes in making complex financial and tech topics easy to digest, with experience in fintech and consumer reviews.