Fetch by The Dodo Pet Insurance Review and Prices

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Fetch by The Dodo (formerly Petplan) places No. 10 in our Best Overall Pet Insurance of 2022. In 2019, Petplan was acquired by Warburg Pincus. In 2020, The Dodo acquired a minority stake in Petplan, rebranding it as Fetch by The Dodo. Its insurance policies are administered by Fetch Insurance Services, LLC and underwritten by XL Specialty Insurance Company and AXIS Insurance Company.

Fetch by The Dodo

Pros:

  • Exam fees are covered for when your pet is sick

  • Earn up to 30% off premiums with Healthy Pet Credit

  • Coverage included for behavior, alternative therapies, boarding fees, and vet-recommended supplements

Cons:

  • Doesn’t offer a wellness plan option

  • Only covers cats and dogs

  • Coverage renewal requires annual wellness visit

Fetch by The Dodo offers a comprehensive plan for injuries and illness. It doesn’t offer a wellness plan, so preventative care like spaying, vaccinations, and teeth cleanings are not covered.

Fetch by The Dodo includes coverages in its policies that are not always covered by pet insurance, like behavior issues, alternative and holistic therapies, boarding fees if you are hospitalized, vet-recommended supplements, sick-visit exam fees, and costs of advertising and a reward if your pet is lost or stolen. Fetch by The Dodo also covers virtual vet visits up to $1,000 each year without a copay.

To ensure there is no coverage gap, Fetch by The Dodo requires an annual wellness visit for each covered pet.

Fetch by The Dodo offers pet parents several ways to save on their premiums. You’ll avoid installment fees by paying quarterly or annually, and you can earn up to 30% off your premiums when you don’t file claims. Though Fetch by The Dodo doesn’t offer a multi-pet discount, it does offer discounts for pets adopted from a shelter or rescue, AARP members, active duty and veterans military members and their families, veterinarians and their staff, and licensed medical services pets.

Bottom Line:

Fetch by The Dodo offers a comprehensive pet insurance plan covering accidents and illnesses, though it doesn’t offer a preventative care wellness plan. Pets should get an annual vet visit to ensure no coverage gaps. Fetch by The Dodo offers several discount options, but no multi-pet discount.

Fetch by The Dodo

Fetch by The Dodo’s one plan covers unexpected veterinary visits should your pet become ill or injured. Fetch by The Dodo covers the exam fee for these vet visits. Holistic care such as acupuncture, chiropractic, and homeopathic therapy are also covered. Virtual vet visits via video, chat, call or text are also covered up to $1,000 per year. Another feature is up to $1,000 in boarding fees for your pet, should you as the pet owner ever become hospitalized. Dental injury and disease are also covered. Some common purebred conditions are also covered. Chronic conditions like diabetes, asthma, arthritis, and cancer are covered through Fetch by The Dodo, as long as those conditions were not affecting your pet before coverage began.

Pre-existing conditions are not covered by Fetch by The Dodo. It also doesn’t cover routine care and wellness. This includes annual veterinary visits, spaying and neutering, teeth cleaning, flea and tick protection, and vaccinations. Elective procedures such as tail docking, ear cropping, and declawing are not covered either unless your pet’s vet deems them medically necessary. Keep in mind that Fetch by The Dodo insurance also does not cover damage to someone else’s property caused by your pet.

Fetch by The Dodo

With Fetch by The Dodo, there are no additional coverage add-ons.

It is possible to customize your coverage to meet your budget. Customers can decide how much they would like to pay annually for their deductible, what their annual limit will be, and what percentage of reimbursement they would like to receive on claims made to Fetch by The Dodo. These options will impact the overall monthly cost of your pet insurance coverage through Fetch by The Dodo.

How Much Does Fetch by The Dodo

Based on our sample policy for a one-year-old female mixed-breed dog in excellent health residing in Texas, monthly premiums for a dog are $35.25 with a $500 annual deductible, $5,000 annual benefit limit, and 90% reimbursement rate. The premiums for a domestic shorthair cat under one year old and in excellent health living in Texas are $20.16 per month with a $500 deductible, $5,000 annual benefit limit, and 90% reimbursement rate.

Pet Insurance Cost Comparison

COMPANY

SAMPLE MONTHLY COST FOR DOGS

SAMPLE MONTHLY COST FOR CATS

LEARN MORE

Fetch by The Dodo »

$35.25$20.16Get A Quote »
Spot »

$36.54$16.51Get A Quote »
Lemonade »

$19.44$11.00Get A Quote »
Trupanion »

$70.12*$30.88*Get A Quote »
Embrace »

$29.71$12.22Get A Quote »
Pets Best »

$44.37**$16.54**Get A Quote »
Healthy Paws »

$26.89$11.93Get A Quote »
Nationwide »

$56.74***$28.15***Get A Quote »
ASPCA Pet Health Insurance »

$36.54$20.17Get A Quote »
Figo »

$31.34$18.18Get A Quote »

Several factors go into determining your premiums including your pet’s age, the annual coverage amount you select, breed, the reimbursement level you expect, where you live, and the annual deductible you are willing to pay. Fetch by The Dodo has several discounts available that could lower your premiums including for pets adopted from shelters or rescues, veterans and active military members, AARP membership, and if you’re a veterinarian or vet staff.

The prices listed below indicate the monthly premiums for these policies.

 

Fetch by The Dodo

How do I buy pet insurance from Fetch by The Dodo?

Visit the Fetch by The Dodo website to begin the process. You’ll be asked about where you live and need to know your pet’s age and breed(s). Your out-of-pocket cost will depend on these and other factors. You’ll be provided a quote within a few minutes of submitting your information online.

You then select your annual coverage amount, reimbursement level, and annual deductible to find a price that meets your budget. Next, you’ll enter payment information to set up your account. There is no sign-up fee, but it will be used to charge your premium.

The policy then goes into effect the day after your enrollment at 12:01 AM EST. After that, there is a 15-day waiting period before your pet is eligible for coverage. Fetch by The Dodo also requires that you establish your pet’s baseline health. If you don’t have documentation of a vet visit from six months prior to coverage beginning, you’ll need to take your pet to visit the vet for a wellness check within 30 days of coverage taking effect, at your own expense. Also, look for variations on this requirement specific to the state you live in.

Is there a waiting period for a Fetch by The Dodo policy?

As with many pet insurance providers, there is a waiting period before the policy takes effect to cover any illness or injury to your pet. With Fetch by The Dodo, you’ll have a 15-day waiting period from the effective date (12:01 a.m. EST the day after you enroll) of your policy, in which your pet would not be covered for accidents and illnesses. There is also a 6-month exclusionary period on hip dysplasia, cruciate ligaments and patellas, but it can be waived based on a veterinary examination within 30 days of the policy taking effect. This can also vary depending on the state you live in.

COMPANY

ACCIDENT

ILLNESS

HIP DYSPLASIA

CRUCIATE LIGAMENTS

Fetch by The Dodo »

15 Days15 Days15 days15 days
Spot »

14 days14 days14 days14 days
Lemonade »

2 days14 days6 months6 months
Trupanion »

5 days30 days30 days30 days
Embrace »

48 hours14 days6 months6 months
Pets Best »

3 days14 days14 days6 months
Healthy Paws »

15 days15 days12 months*15 days
Nationwide »

14 days14 days14 days**14 days
ASPCA Pet Health Insurance »

14 days14 days14 days14 days
Figo »

3 days14 days1 year1 year

Does Fetch by The Dodo offer a wellness plan?

Fetch by The Dodo doesn’t offer a wellness plan. Routine wellness visits to the vet, vaccinations, flea and tick protection, as well as spaying and neutering, are not covered through Fetch by The Dodo’s policy.

Does Fetch by The Dodo cover pre-existing conditions?

Fetch by The Dodo does not cover pre-existing conditions. Fetch by The Dodo considers any injury or illness that occurred prior to your coverage effective date a pre-existing condition. Once the waiting period has passed, new injuries and illnesses are covered.

Does Fetch by The Dodo cover spaying?

No, Fetch by The Dodo does not cover spaying. Anything considered preventative or routine care including spaying and neutering is usually covered by a wellness plan, which Fetch does not offer.

Does Fetch by The Dodo cover dental cleanings?

No, Fetch by the Dodo does not cover dental cleanings. However, if your dog or cat experiences a broken tooth caused by an injury or illness and it’s confirmed by your vet, it is covered, as long as it’s not a pre-existing condition.

How do I contact Fetch by The Dodo’s customer service?

Full contact information can be found on its website, including phone numbers for customer service and the sales team. The website also has the company’s email address and mailing address.

Customer service hours are listed as 8 a.m. to 8 p.m. EST Monday through Friday and 10 a.m. to 6:30 p.m. EST on Saturday. Customer Service is available by phone Monday through Friday and by the chatbot on the company’s website Monday through Saturday. Fetch by The Dodo also has a FAQ section on its website to help answer some common questions.

Does Fetch by The Dodo have any coverage limits?

Fetch by The Dodo does set annual limits on payments made for injury and illness coverage. Annual limits start at $5,000 and range up to an unlimited policy.

Does Fetch by The Dodo have a deductible?

Fetch by The Dodo offers customers the opportunity to set their deductible. Rate options are only available by starting the quote request process through the Fetch by The Dodo website.

Any illnesses or injuries treated during your policy period would require the pet owner to cover the copay and the deductible will be subtracted from the covered amount.

According to Fetch by The Dodo’s sample policy, if treatment dates fall into two or more policy periods, you will be responsible for paying the deductible in each period.

How do I file a claim with Fetch by The Dodo?

Fetch by The Dodo makes it simple to file a claim. You can access your account via the website or the app and print a pre-filled claims form. You will also need to provide paid, itemized receipts from your pet’s veterinary visit and the medical records from your pet’s most recent wellness exam.

Once you complete and sign the form (keeping copies for your records) you then email or mail it to Fetch by The Dodo. Claims should be filed within 90 days of treatment.

How long does it take Fetch by The Dodo to reimburse a claim?

Once a claim is submitted to Fetch by the Dodo, its team will review the claim within 15 days of being received.

The time it takes for your money to be repaid to you largely depends on the method of claim refund. By setting up direct deposit with the company, Fetch states that you should receive your money anywhere from five to 10 days sooner than if you choose to be paid by check.

How do I cancel a pet insurance policy from Fetch by The Dodo?

To cancel your pet insurance policy from Fetch by The Dodo, you need to reach out to customer service by phone. Your policy can be canceled at any time. The cancellation process can also be started via email or mail. If you’d like to cancel your pet insurance within 30 days of your policy taking effect and you’ve not submitted any claims you will be refunded your entire premium. After 30 days, your premium refund will be prorated based on the date of the termination of coverage.

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