Fetch by The Dodo Pet Insurance Review 2022: Safeguarding Pets With Comprehensive Therapy

Lisa Scott

Fetch Pet is a leading insurance provider in the US and Canada. The insurance provider is passionate about pets and is driven by principles that guide responsible pet parenting. With competitive premium rates, the insurer offers a comprehensive policy plan that protects your finances and helps your pet receive the best healthcare over the years to come.

Overall rating


Summary: Fetch offers one of the most comprehensive single pet insurance plans on the market, covering various conditions and offering holistic therapy coverage.

Fetch by the Dodo Pet Insurance

fetch pet insurance logo


Coverage Up To

70% - 90%

Reimbursement Rates



Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • User friendly mobile app
  • No penalty for multiple claims
  • No upper age limit for the pets
  • Submit your claim in minutes
  • Pick any licensed vet
  • Breed-specific conditions covered


  • Offers a single plan
  • No preventive care plans
  • No multi-pet discount

Best For

  • Covers examination fee during vet visits
  • Holistic therapy coverage
  • Comprehensive Dental coverage


HQ3805 West Chester Pike, Suite 240
Newtown Square, PA 19073, US
PolicyIllness & Accident
Eligible Pet Age6+ weeks
Annual Coverage$5,000, $10,000, Unlimited
Reimbursement Rate70%, 80%, 90%
Deductibles$200, $300 & $500
Chronic DiseaseYes
Cancer CoverageYes
Dental CoverageYes
Pre-Existing Conditions CoverageNo
Medical ExamRequired within 12 months prior to enrollment or during the initial waiting period.
Restricted StatesNot available in NB, QC

In depth review on Fetch by The Dodo Pet Insurance

Fetch by the Dodo sells a single policy plan that offers coverage for many pet illnesses, accidents, and emergencies.

Although the insurer does not provide wellness or preventive healthcare plans, it offers many other perks that can give value to pet owners. They offer coverage for several incidents that your pet might encounter.

Fetch has partnered with The Dodo (an animal brand) to create a proper wellness platform as opposed to an insurance product. Fetch-by the Dodo now not only sells one policy plan that offers coverage for many pet illnesses, accidents, and emergencies. Their partnership with The Dodo allows them to carry out their services with an animal-loving sensibility, which leads to a better product for pets and pet owners. 

Fetch by The Dodo Pet Insurance is best for

  • Covers examination fee during vet visits: The average cost for a vet visit ranges between $50 – $250, depending on the vet clinic. Fetch will cover examination fees during every vet visit saving you hundreds of dollars.
  • Holistic therapy coverage: They offer flexible treatment options to pet parents. You won’t need to pay an extra fee or purchase another plan for holistic therapy coverage. However, you must ensure that the therapy is performed by a licensed veterinarian.
  • Comprehensive dental coverage: Fetch’s coverage offers reimbursement for all teeth-related injuries and diseases. This makes Fetch a great option for pet parents looking for non-routine dental treatments and periodontal care.

Fetch by The Dodo Pet Insurance benefits

  • User friendly mobile app: It has an easy-to-navigate mobile app that houses all your pet insurance needs.
  • No penalty for multiple claims: You can file your claims as many times as long as you do not exceed your annual coverage limit. The insurer does not increase your premiums for filing claims like most other providers.
  • No upper age limit for pets: The company does not have an upper age limit, so older pets can also get covered.
  • Submit claim in minutes: Submitting a claim with Fetch is as easy as taking a picture of your vet documents and answering a few questions about your pet’s treatment. The rest will be taken care of by them.
  • Your choice of vet: Fetch provides the flexibility of choosing any licensed vet you prefer, whether experienced or new.
  • Breed-specific conditions covered: Fetch also covers hereditary conditions related to specific breeds, which may not the case with all insurance providers.

Fetch by The Dodo Pet Insurance drawbacks

  • Offers a single plan: The provider offers only one comprehensive plan. Pet parents looking for various coverages to choose from may need to seek other alternatives. 
  • No preventive care plans: The provider does not offer preventive or wellness plans. However, most of the add-ons sold under most wellness plans are covered in Fetch’s comprehensive policy.
  • No multi-pet discount: They also do not offer a multi-pet discount, so Fetch by The Dodo may not be the best option for households with multiple pets.

Policy application


Fetch requires a medical exam to enroll your pet. The provider accepts medical examinations conducted within six weeks before the date of enrollment. However, you can still enroll your pet and submit a medical examination report within 30 days from the date of enrollment. The provider also requires your pet to undergo an annual wellness health check before policy renewal to determine exclusions.

Just keep to note that you’ll have to wait 15 days for the policy to begin. You need to create a Fetch account online or through the mobile app to enroll your pet. You can also download pet insurance forms from the portal. The coverage runs for a year and needs to be renewed once it expires.

Fees and coverages


Although Fetch offers only a single yet comprehensive plan, you can still customize it by selecting deductibles, reimbursement rates, and annual limits that suit your financial solution. The following factors will affect your coverage costs (but are not limited to):

  • Type of breed
  • Age
  • Deductibles
  • Size
  • Reimbursement rates
  • Annual limit
  • Location
  • Vet prices in the area

Healthcare coverage

Fetch’s single plan offers comprehensive coverage on the following items:

  • Injuries and illnesses
  • Veterinary exam fees
  • Specialists vet visit
  • Complete sick visit
  • Holistic and chiropractic care
  • Comprehensive dental
  • Breed-specific conditions
  • Cancer treatment
  • Diagnostic tests
  • Behavioural therapy
  • Imaging and ultrasound
  • Surgery and rehabilitation
  • Online vet visits

Hereditary and congenital conditions

Most hereditary conditions are expressed as the pet matures. Fetch offers coverage to

  • Invertebrate disk disease (IVDD)
  • Heart diseases
  • Eye disorders

Preventive and Wellness Coverage

Fetch does not offer preventive and wellness coverage. Pet parents looking for a separate or an add-on wellness plan may opt for another alternative.


Fetch’s insurance policy excludes specific procedures and conditions, which policy buyers should be aware of. Some of these exclusions are

  • Pre-existing conditions.
  • Routine care
  • Annual wellness exams
  • Spaying
  • Neutering
  • Teeth cleaning
  • Flea and tick protection
  • Vaccines
  • Elective procedures e.g., declawing or cropping
  • Damage to the third party

Vet Selection

Fetch makes it extremely easy for pet owners to get their pet proper care and get reimbursed. You can visit any licensed veterinarian of your choice and submit your claims for reimbursement.



The provider’s claims policy is strict to minimize fraud and ensure faster reimbursements. Pet parents who adhere to this policy will receive their reimbursements in a timely manner. The insurer requires pet parents to visit a veterinarian within 48 hours of noticing the first symptom of injury or illness. While this may appear fairly strict, it also encourages pet owners to take quick action and ensure that their pet receives urgent medical attention. Additionally, claims must be submitted within 90 days from the day of the visit alongside an itemized bill and proof of payment.

Filing claims is straightforward using the Fetch Mobile App. You can also download the claims form online.

Fetch has an excellent track record of reimbursing 90% of the claims within five days. You can track your claims online by logging into your ‘My Fetch’ account.

Customer support


Fetch allows customers to get in touch with their staff via several different channels. The dedicated support staff will guide you through all your pet-related concerns to ensure your cat or dog remains in good health.

Fetch’s customer support team is available to you help during the following hours:

  • Mon – Fri: 800 am – 8:00 pm EST
  • Sat: 10:00 am – 6: 30 pm EST
  • Sun: Closed

You can receive assistance over the phone by dialling 1-866-467-3875. If you want to reach out to Fetch’s customer support team outside of their working hours, you can email [email protected] or leave a message through their online portal.

You can also use Fetch’s FAQ section to get quick solutions to your questions. The insurer also offers an interactive chatbot which is available 24/7. You can find answers to simple questions, whereas more complicated queries will require assistance from a customer representative.

Fetch provides a range of informative pet-related editorial content on The Dig to guide you on the best healthcare plans, foods, breeds, and routine care to keep your pet in good health.

Safe and secure


The insurer has received an A+ rating from AM Best regarding its financial stability and has a great track record of providing reliable customer service. They use safe money transfer options such as e-check, wire transfer, and direct deposits during reimbursements.

Is Fetch by The Dodo Pet Insurance right for you?

Fetch’s years of experience providing affordable and comprehensive pet insurance have helped it become a market leader. Pet owners can get great coverage for their pets for reasonable prices, and the insurer’s single plan approach makes it easier for customers to decision. They also do not require customers to pay a sign-up fee and offer a 30-day risk-free policy cancellation guarantee. If you are looking for a pet insurance policy that will cover most of your pet’s needs and feel overwhelmed by the different policies companies offer, Fetch might be a promising option.