Fetch
Accident & Illness
Comprehensive accident & illness coverage with sick-visit exam fees, full dental, behavioral therapy and alternative care built in.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- $10,000
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- none
- Illness wait
- 15 days
- Deductible
- Annual deductible from $250 to $1,000 (the most common choice is $300).
- Annual limit
- You choose a max annual payout; $10,000 is Fetch's most common configuration — other options are shown on your quote.
- Exam fees
- Sick-visit exam fees (up to $250 per visit) are covered.
- Dental
- Injury and disease of every tooth and the gums. Cleanings only via the wellness add-on.
- Alternative therapy
- Acupuncture, chiropractic care and physical therapy included; behavioral therapy is paid at 100% up to $1,000 a year with no deductible.
- Wellness
- Optional Fetch wellness (three tiers, up to $1,200 a year) for routine care.
- Waiting periods
- Accidents none, illness 15 days, orthopedic/cruciate 6 mo. No accident wait; 6-month wait for orthopedic conditions such as hip dysplasia and knee ligament injuries.
- Cured pre-existing conditions
- Pre-existing conditions are not covered; Fetch doesn't publish a cured-condition exception.
- Eligibility
- No maximum enrollment age. Minimum age 6 weeks. Sold in every state.
- Multi-pet discount
- None offered.
- Underwriter
- AXIS Insurance Company
Good to know
- •Exam fees, dental disease, alternative and behavioral care all included
- •No accident waiting period
- •Covers pets of any age from 6 weeks
- •Use any vet in the US or Canada
Watch out for
- !6-month waiting period for orthopedic conditions
- !No unlimited annual limit confirmed — check the options on your quote