Fetch by The Dodo Pet Insurance Review 2024: Safeguarding Pets With Comprehensive Therapy

Lisa Scott

Fetch by the Dodo is one of pet owners’ most trusted pet insurance providers. It has a team that understands the difficulties faced by pet parents and aims to make their life easier. Fetch now brings together the expertise of the insurance industry and the animal-loving sensibility of The Dodo.

Although the insurer does not provide wellness or preventive healthcare plans, it offers plans covering several injuries and illnesses your pet might encounter. Fetch by the Dodo is a simple solution for all pet parents.

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
  • Plan comparison with other insurers


  • 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$15,000
Reimbursement Rate70%, 80%, 90%
Deductibles$200, $300, or $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 StatesOperates in all US states

In depth review on Fetch by The Dodo Pet Insurance

Fetch by the Dodo offers insurance policies to pet parents in the US and Canada. The provider expanded to the US in 2006 and has policies underwritten by Fetch Insurance Services, LLC and Fetch Inc. It sells a single policy plan that offers coverage for many pet illnesses, accidents, and emergencies.

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.
  • Plan comparison with other insurers: Pet parents who are unsure of purchasing Fetch’s coverage can use the comparison feature on the insurer’s platform to compare the rates and coverages with other 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 insurer accepts medical examinations conducted 60 days before the date of enrollment. However, you can still register 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 health check before policy renewal to determine exclusions.

It also provides a 15-day waiting period for the policy to begin. You can create an 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 should be renewed once it expires.

Fees and coverages


Although the insurance provider offers a single yet comprehensive plan, you can still customize it by selecting deductibles, reimbursement rates, and annual limits that suit your needs. The following factors 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:-


  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental dental
  • Behavioral
  • Oral disease and injuries


  • Diagnostic testing
  • Surgery
  • Hospitalization
  • Prescription medications
  • Alternative care
  • Holistic care
  • Homeopathic treatments

Hereditary and congenital conditions

Most hereditary conditions worsen as the pet gets older. Coverage for such conditions can be a lifesaver. Fetch offers coverage for:

  • 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. However, you should thoroughly read the coverage offered by Fetch, as many things are covered under the policy.


Fetch does not offer coverage for the following:

  • Pre-existing conditions.
  • Routine care
  • Annual wellness exams
  • Spaying
  • Neutering
  • Teeth cleaning
  • Flea and tick protection
  • Vaccines
  • Breeding
  • Pregnancy
  • Whelping treatment
  • Experimental procedure and treatments
  • Elective procedures e.g., declawing or cropping
  • Third-party damage

Customers should be aware of all exclusions to avoid any surprises.

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 stricter than some other insurance companies. These policies are in place to minimize fraud and ensure faster reimbursements. The insurer requires pet parents to visit a veterinarian within 48 hours of noting the first symptom of injury or illness. While this may appear fairly strict, it helps pet owners to seek urgent medical attention for their pets and keep them in perfect health. Additionally, claims must be submitted within 90 days from the day of the visit alongside an itemized bill and proof of payment. Fetch is one of the only pet insurance companies to specifically state a claims payout timeframe in its terms and conditions, which is 30 days.

Filing claims is straightforward using the mobile app. You can also download the claims form online. However, most are reimbursed in 5-7 business days after submission of a completed claim, especially when submitted through the app or 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 gives you various options to get in touch with the customer support staff on its website. The company’s email address, fax number, and mailing address. The dedicated support staff will guide you through all your pet-related concerns to ensure your cat or dog remains in good health.

The working hours for the support staff are as follows:

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

You can speak directly to the support staff through the number 866-509-0163.

Although the insurer does not operate on Sundays, you can email or leave a message through the portal, including policy details, and Fetch’s staff will contact you.

Safe and secure


XL Specialty Insurance Company underwrites Fetch’s policies. Additionally, the following policies are administered by the following agencies: 

  • Fetch Insurance Agency, LLC in Michigan
  • Fetch Insurance Agency, LLC in California

The insurer has received an A+ rating from AM Best regarding its financial stability and has an excellent 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 experience in the pet insurance industry is unparalleled. Additionally, the single plan and affordable pricing make it easier for pet owners to make a decision. The Dodo joining hands with Fetch is a promising direction for the company as customers can expect products built with their pets’ best interests in mind. Fetch’s insurance plans do not require customers to pay a sign-up fee and offer a 30-day risk-free policy cancellation guarantee. Fetch’s outstanding track record, customer service, and comprehensive coverage make it a great option if you are in the market for a pet insurance policy.