Quick Verdict
Fetch is the pet insurance we'd recommend to pet parents who want deeper base coverage than Lemonade or Pumpkin offer. Dental illness coverage, holistic care, and behavioral therapy are all included in the base policy, not add-ons. Premiums are slightly higher, but the coverage depth is real and the brand has a long track record from its Petplan days.
See Fetch QuoteFetch at a Glance
- Reimbursement: 70 / 80 / 90%
- Annual deductible: $250 / $500 / $750
- Annual coverage limit: $5,000 / $10,000 / $15,000 / unlimited
- Waiting periods: 15 days accident / 15 days illness / 6 months orthopedic
- Dental illness: covered in base (most competitors make this an add-on)
- Holistic / alternative therapies: covered in base
- Behavioral therapy: covered in base
The Fetch App
Claim submission through the app is fast. Most claims require a vet invoice and a short note.
See Fetch QuoteHow We Tested
We've held a Fetch policy for 18 months on our 4-year-old golden retriever. In that window we filed two claims: a $340 ear infection and a $1,120 knee exam with imaging.
Claim Speed
First claim: reimbursed in 8 business days. Second claim: 11 business days. Not as fast as Lemonade (4 days in our test), but faster than the 19-day Pumpkin experience from the same testing window.
What Makes Fetch Different
Dental illness in the base policy. Most pet insurance treats dental as an add-on or excludes it entirely. Fetch covers dental illness and injury in the base. For breeds prone to dental issues (small breeds, many toy breeds), this alone can be worth the premium difference.
Behavioral therapy. If you have a reactive or anxious dog, therapy visits with a veterinary behaviorist are covered. Lemonade and Pumpkin require add-ons for this.
Holistic care. Acupuncture, chiropractic, hydrotherapy. Included in base.
The coverage depth is the selling point. If you don't need the depth, a cheaper carrier might fit better.
Cost
For our 4-year-old golden with 80% reimbursement, $500 deductible, $10,000 annual limit: $52/month. About $15 more than Lemonade quoted for the same coverage scope on the same dog. You're paying for the coverage breadth.
Want deeper coverage?
Fetch's base policy covers things other insurers make you add on. Quote takes 2 minutes and you can compare with Lemonade or Pumpkin in another tab.
Get Fetch QuotePros and Cons
Pros
- Dental illness in base policy (rare in this category)
- Behavioral therapy covered
- Holistic care covered
- Long track record (Petplan heritage)
- Unlimited annual limit available
Cons
- Higher premiums than Lemonade
- 6-month orthopedic waiting period (industry-standard but worth noting)
- Claim processing slower than Lemonade in our test
- App has a steeper learning curve than Lemonade's
Who It's For
Pick Fetch if:
You have a breed prone to dental issues, behavioral issues, or you want the broadest base coverage without relying on add-ons.