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How to submit a
Fetch Pet Insurance claim

Visit any licensed vet in Canada or the U.S., submit a claim in the Fetch app or in your online account, and get paid back for unexpected vet bills. It’s fast and easy to submit a pet insurance claim with Fetch – here’s everything you need to know.

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It’s so easy a cat could do it.

– Strummer

What to expect when making your first claim

First things first - make sure you submit your claim within 90 days of your pet’s vet visit along with your pet’s medical records and finalized invoice so we can provide coverage. We might need a little more time to review your pet’s medical history for your first claim. The good news is once your claim is processed, you’ll be paid back in as little as two days via direct deposit. Let’s dig into the details.

What is a finalized invoice?

This is an itemized bill from your veterinarian showing what your pet was treated for and how much you were charged. In order for us to accept an invoice, it must show a balance of $0 or that it was paid in full.

Sample invoice

ABC Animal Hospital
123 Main St
Any town, USA

John Jones
Spot, 2-year-old pug

Date

Description

QTY

Price

7/21/21

Exam fee

1.0

$200.00

Ultrasound

1.0

$50.00

Surgery: foreign object removal

1.0

$1,200.00

Total Invoice

$1,450.00

Total Payments

$1,450.00

Balance Due

$0.00

Download a sample invoice >

What are medical records?

These are documents that show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly. If you're not sure if you have the right records, ask your vet for “SOAP notes.” The records you receive should include any exam notes and lab results.

Sample medical record

ABC Animal Hospital
123 Main St
Any town, USA

John Jones
Spot, 2-year-old pug

Diagnosis

-Suspect FIC episode

Vaccination  history

UTD

History

Acute-onset stranguria, this happened about 2 weeks ago as well.

Medications

None

Physical Exam

Temperature (°F): 100.5
Pulse (BPM): 200
Respiration (RPM): 36
Weight (kg): 8.1

Download a sample real medical record >

NOTE: To keep your pet’s medical records current, you need to get them a checkup when you first sign up, then once every policy year after that.

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Submit a claim in minutes

Log into your account

To submit a claim, log in to the Fetch Pet Insurance app or your online account. Go to Claims and select Submit a Claim, and follow the claim form instructions.

Upload your documents

Before you submit a claim, there are two types of documents you will need to upload: a finalized invoice from your vet visit and detailed medical records from your pet’s most recent annual exam. These documents help us process claims quickly, so don’t forget this step!

NOTE: These should include records from your pet’s most recent annual exam (a vet visit unrelated to your pet getting sick or hurt). If you're not sure if you have the right medical records, ask your vet for “SOAP notes.” The records you receive should include any exam notes and lab results.

Set up direct deposit

If you haven’t already, set up direct deposit as your Preferred Reimbursement Method online or in app. It gets you paid back 5-10 days faster than checks do.

Get paid back fast

Claims are typically processed within 15 days from when we receive all your documents. Track your claim’s status in our app or keep an eye on your email inbox for updates. If you've set up direct deposit you could get paid back in as little as 2 days.

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How to submit missing documents

See what your claim is missing

Start by checking your inbox for an email with the subject line “ACTION NEEDED: Documents missing.” It gives an exact breakdown of everything we still need in order to process your claim.

(Most of the time, the documents we’re missing are detailed medical records from your pet’s most recent checkup, including any exam notes and lab results. Your vet may refer to these records as “SOAP notes.”)

Get the missing documents

If you already have what we’re asking for, skip ahead to step #3. If you don’t, reach out to your vet’s office to have them email you the additional documents.

How to submit your claim

To submit your additional documents, either click here or follow these instructions:

  • Make sure you’re logged into the app or your online account

  • Go to Claims

  • You’ll see a “Missing docs” alert on the Claims tab

  • Hit Upload to submit your missing documents

How reimbursement works for accident and illness claims

Accident or illness claims

Two factors that determine your reimbursement for approved claims: your deductible and your reimbursement rate, both of which you select when signing up for Fetch Pet Insurance.

Deductible

Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved veterinary care before we can start reimbursing you.

Reimbursement rate

Your reimbursement rate is the percentage of an approved claim total that we can cover. For example, if your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.

Example

Let's say you submit a claim for $1,000 with a $300 deductible and an 80% reimbursement rate. (To keep it simple, let's also say that everything in the claim can be covered.) $1,000 in claimed services x 80% reimbursement rate gives you a maximum possible reimbursement of $800.

If you hadn't made any progress towards your deductible yet — in other words, if your deductible was still at $300 — you would receive $500 ($800 minus $300). But if you had already met the deductible, you would receive the full $800.

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Make sure you submit your pet’s claim in time

If your pet gets sick or hurt, dealing with insurance will probably not be the first thing on your mind. There's a 90-day time limit for claims. If you submit a claim more than 90 days after the date of service, it won’t be covered.

Luckily, submitting a claim is quick and easy with the Fetch Pet Insurance app. Get it in the App Store or Google Play.

Get the app for a pawsitive claims experience

See what pet parents have to say about submitting claims with our app.

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Easy claims process

So easy to submit!

- Coley R.

A green star for Fetch Pet Insurance reviews from Trustpilot.A green star for Fetch Pet Insurance reviews from Trustpilot.A green star for Fetch Pet Insurance reviews from Trustpilot.A green star for Fetch Pet Insurance reviews from Trustpilot.A green star for Fetch Pet Insurance reviews from Trustpilot.

Great pet insurance

Easy-to-use app for submitting claims, love it!

- Patrick M.

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Easy to use - great company

It’s easy to submit claims and reimbursement is timely!

- Ashley S.

All reviews are from the Apple App Store.

Claims FAQ

How can I track my pet insurance claim?

You can track your claim status anytime in the Fetch app or your online account. To see the status of a claim, follow these instructions:

1. Make sure you’re logged into your account
2. Go to Claims
3. Click on an individual claim to see its status

We’ll also email you with updates, so keep an eye on your inbox.

Why do pet insurance providers require medical records?

We require medical records from a recent checkup with a veterinarian unrelated to the visit associated with your claim. Those records will show us your pet’s medical history and let us see what we can cover, which will allow us to process your claim quickly.

How do I set up direct deposit for claim reimbursement?

To set up direct deposit, either click here or follow these instructions:

1. Grab your debit card
2. Make sure you’re logged into the Fetch Pet Insurance app or your online account
3. Go to Account > Billing > Preferred Reimbursement Method
4. Enter your information

Payments are secure, and there are no hidden fees.

When can I submit a pet insurance claim?

After you first sign up for pet insurance, you have a waiting period of up to 15 days before you can submit a claim for any unexpected vet bills. After the waiting period, your coverage kicks in and you’re ready to submit claims. There’s no waiting period for Fetch Wellness, so you can start using it on your policy’s effective date. Just be sure to submit your claims within 90 days of your pet’s treatment, and include both your vet bill (invoice) and your pet’s medical record. You can submit claims on your computer in your account, or on your phone with our app.

Will my premium increase after submitting a claim?

Premium increases can only happen when your policy renews, and you’ll be notified of your new price well in advance of any increase taking effect.

Your pet’s age, breed and the cost of veterinary care in your area are some factors that can influence your premium. Age is typically the primary factor. As pets get older, their risk of getting sick or hurt goes up, which means they cost more to insure.