Fetch is known for one of the most inclusive base plans in pet insurance — sick-visit exam fees, dental illness, behavioral therapy and telehealth all included as standard. In this 2026 review we cover Fetch's coverage, limits and pricing, its waiting periods, pros and cons, and who it fits best.
Fetch at a glance
| ComparePetCover rating | 4.0 / 5 |
| Annual limits | $5,000 · $10,000 · $15,000 · Unlimited |
| Deductibles | $250 – $2,500 (annual) |
| Reimbursement | 70% · 80% · 90% |
| Exam fees | Included ✓ |
| Waiting period | Immediate accidents · 15 days illnesses · 6 months cruciate |
| Best for | Broad all-in-one coverage, telehealth |
What Fetch covers
Fetch's single accident-and-illness plan is one of the most inclusive base plans on the market. It covers:
- Sick-visit vet exam fees — included as standard (Lemonade and Spot often charge extra).
- Dental illness and behavioral therapy included.
- Cancer treatment, hereditary conditions, diagnostics and surgeries.
- Telehealth consultations and alternative therapies.
Because so much is included by default, Fetch is easy to compare like-for-like — you're not bolting on add-ons to match what others include.
Plans, limits & pricing
Fetch runs a little above the market average, reflecting its broad coverage. Typical 2026 ranges (they vary widely by breed, age and state):
| Pet | Typical Fetch premium (/mo) |
|---|---|
| Dogs | $35 – $75 |
| Cats | $20 – $40 |
Note that Fetch's deductibles start higher (from $250) and there's no multi-pet discount, so factor those in — but you're getting exam fees and telehealth without paying extra for them.
Pros
- Sick-visit exam fees included in the base plan
- Dental illness, behavioral therapy & telehealth included
- Limits up to unlimited, reimbursement to 90%
- Broad coverage of cancer, hereditary & diagnostic care
Cons
- Above-average cost
- No multi-pet discount
- Deductibles start higher (from $250)
- Pre-existing conditions excluded (all insurers)
Waiting periods & exclusions
Fetch covers accidents immediately after your policy's effective date, applies a 15-day waiting period for illnesses, and a 6-month wait for cruciate ligament conditions. Pre-existing conditions are excluded, so enroll before any symptoms appear.
How claims & reimbursement work
You file claims online or in the app; with direct deposit, reimbursement typically lands in two to five business days after processing. Fetch reimburses 70%, 80% or 90% after your deductible, at any licensed vet. It's a pay-first reimbursement model.
Who Fetch is best for
Fetch is ideal for owners who want broad, all-in-one coverage — exam fees, dental and telehealth included — without stacking add-ons, and who are willing to pay a little more for it. Bargain-hunters and multi-pet households may find better value elsewhere.
How Fetch compares
Premiums and coverage vary by pet, breed, age and your state. See how Fetch stacks up in our full provider comparison, or check average pet insurance costs in your state.
Frequently Asked Questions
Does Fetch cover vet exam fees?
Yes — sick-visit exam fees are included in Fetch's base plan, which several competitors charge extra for or exclude.
Does Fetch offer unlimited coverage?
Yes — annual limits go from $5,000 up to unlimited, with reimbursement options of 70%, 80% or 90%.
Does Fetch cover telehealth?
Yes — virtual vet (telehealth) consultations are included, along with dental illness and behavioral therapy.
Is Fetch expensive?
It runs a little above the market average and has no multi-pet discount, but that reflects the broad coverage included by default.
Compare: Spot · Lemonade · Embrace · Pumpkin · Healthy Paws · All reviews