Fetch Pet Insurance Coverage
Here’s everything you need to know about your pet insurance coverage with Fetch by The Dodo.
Fetch covers new injuries and illnesses that occur after the waiting period* ends: things like foreign object ingestion, broken teeth, ACL ruptures, kidney disease … As long as it's not a pre-existing condition, we’re there for just about anything that happens. We provide the most comprehensive* coverage in the industry, and it's all standard in your plan.
What we cover
Treatment for injuries
The cost of veterinary treatment when your pet gets hurt. Injuries can range from cuts and foreign object ingestion to broken bones and ACL ruptures.
Treatment for illnesses
The cost of veterinary treatment when your pet gets sick. Illnesses can range from vomiting, diarrhea, and urinary tract infections to heart disease or cancer.
Sick-visit exam fees
Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you.
Every tooth & gums
Injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma, and more.
Medical conditions linked to breed, like breathing problems in French bulldogs or kidney stones in Burmese.
Alternative & holistic care
Treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness.
Emergency vet visits
Treatment at licensed emergency veterinary clinics anywhere in Canada or the U.S.
Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.
Tests performed or prescribed by a vet to help diagnose an injury or illness. Diagnostic tests can range from blood tests and urinalysis to MRIs and ultrasound.
Overnight stays at a licensed veterinary hospital anywhere in Canada or the U.S. for treatment, monitoring, or further testing.
Treatments including, but not limited to, hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching and electrical stimulation administered by a vet to treat an injury or illness.
Consultations with a vet to diagnose and treat behavioral disorders including, but not limited to, aggression, separation anxiety or phobias. Covered up to $1,000 per year.
Virtual vet visits
Remote telehealth treatment by a vet by means including, but not limited to, phone calls, email, text messaging, or video chat. Covered up to $1,000 per year, no copay required.
Any non-prescription medicinal substance, including but not limited to nutraceuticals, vitamins and herbal medicines, that a veterinarian recommends for the treatment of an injury or illness.
The cost of boarding your pet at a licensed facility while you’re in the hospital. Covered up to $1,000 per year.
Advertising & reward
The cost of advertising that your pet is missing and paying a reasonable reward for finding them. Covered up to $1,000 per year.
What’s not covered?
Pet insurance covers future accidents and illnesses — the stuff you can’t see coming. Here’s everything you need to know about what we don’t cover.
What vets can I use?
We don’t have networks, so you can use your existing vet or visit any other licensed vet in Canada or the U.S. (including specialists and emergency clinics). We also cover up to $1,000 per policy year in virtual vet visits via text, email, call or video.
What is the waiting period?
The waiting period is a 15-day period that begins on the effective date of your policy. We’ll email you as soon as it starts — look out for an email with the subject line “PLEASE REVIEW: Waiting period in effect.”
Here’s what you need to know about the waiting period:
Any claims incurred during the waiting period will not be covered.
Any injury or illness that occurs during the waiting period will be considered a pre-existing condition, which means it won’t be eligible for coverage.
We cover new injuries and illnesses that occur after the waiting period is over.
There’s also a 6-month waiting period before injuries of the hips and knees can be covered.
You can waive the waiting period for knee injuries by having your pet examined by a vet in the first 30 days of their policy to determine that they don’t have any relevant pre-existing conditions.
How do I maximize my coverage?
The key to making the most of Fetch is to get your pet a checkup at the vet as soon as you enroll. If you haven’t scheduled a checkup yet, please contact your vet to schedule one ASAP.
Why do I need to get my pet a checkup?
You’ll be asked to upload your pet’s medical records when you submit a claim. You get those records at a checkup. They show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.
What kind of medical records should I ask for?
To make sure you get the right kind of medical records, tell your vet you need “SOAP notes.” The records you receive should include any exam notes and lab results. Please keep the medical records somewhere safe so you have them when you need them.
What happens if I don’t get my pet a checkup?
Without the medical records from a checkup, we might not be able to process your claims at all. (In other words: There’s a chance we won’t be able to pay you back.)