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Fetch Pet Insurance Coverage

Here’s everything you need to know about pet insurance coverage with Fetch by The Dodo.

What's covered?

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

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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.

Breed-specific issues

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.

Specialists

Treatment by licensed veterinary specialists including, but not limited to, orthopedists, oncologists, orthodontists and cardiologists.

Diagnostic tests

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.

Hospitalization

Overnight stays at a licensed veterinary hospital anywhere in Canada or the U.S. for treatment, monitoring, or further testing.

Physical therapy

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.

Behavioral therapy

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.

Supplements

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.

Boarding fees

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.

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What’s covered?

Fetch provides the most comprehensive coverage for injuries & illnesses including:

Prescription medications & supplements

Emergency vet visits

Virtual, in-home & office visits

Hospital stays

Physical therapy

Allergies

Surgeries

X-rays & CT scans

Ultrasounds

Blood tests

Breed-specific issues, including hip dysplasia

Specialists

Sick-visit exam fees

Laboratory tests

Vomiting & diarrhea

Hereditary & congenital issues

Swallowed objects & toxins

Every tooth covered

Gum disease

Diabetes & insulin

Cancer treatment

Acupuncture & chiropractic care

Treatment for aggression & separation anxiety

And so much more!

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Here’s what more coverage looks like:

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. Not all providers do.

Breed-specific issues

Not all providers cover medical conditions linked to breed, like breathing problems in French bulldogs or hip dysplasia in German Shepherds. We do.

Boarding fees

We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility should you require hospitalization. Up to $1,000 per year.

Advertising & reward

If your pet is missing, we cover the cost of advertising and pay a reasonable reward for finding them. Up to $1,000 per year.

Prescription medications & supplements

We cover prescription drugs like antibiotics and anxiety medicine, plus vitamins and other supplements, when recommended by a vet to treat your pet’s illness or injury.

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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.

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Routine visits and preventive care are not covered.
We don’t currently cover annual visits, vaccinations or wellness. And we’re unable to cover preventive care like spaying/neutering, dental cleaning, and flea and heartworm medications.

Pre-existing conditions are not covered.
A pre-existing condition is anything that happened before you enrolled or during the waiting period. Like other providers, Fetch does not cover pre-existing conditions. We offer the most comprehensive coverage in the industry for new injuries and illnesses.

Claims filed more than 90 days after treatment are not covered.
You have 90 days from the date on your invoice to submit a claim. If you submit a claim later than that, it won’t be covered.

Prescription food is not covered.
We cover supplements that are recommended by your vet as treatment for a covered condition, but not prescription food.

Grooming and cosmetic procedures are not covered.
We do not cover grooming or cosmetic surgical procedures such as tail docking, ear trimming or declawing.

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?

This is a set period of 15 days between enrollment and when coverage begins. 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.)

Is the checkup covered?

Checkups are considered routine and preventive care, which we don’t cover. But getting your pet a checkup is the key to maximizing your coverage — it ensures that we’ll be able to cover as many new conditions as possible.

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