Will my premium increase after submitting a claim?

If your pet gets sick or hurt, you can file a claim, and we'll reimburse you for up to 90% of the vet bill. If you’re wondering if your premium will increase after a claim, the short answer is no. The longer answer is, premiums do not go up just because you submitted a claim, no matter how large. Like other pet insurance providers, Fetch by The Dodo premiums can change because of state regulations (also known as rate filings) and other factors — like your pet’s age (as they get older, they become more expensive to insure), your pet’s breed (some breeds are more likely to experience particular conditions) and how expensive vet care is in your area.