That’s the simplest way to put it. If your pet is sick or hurt, pet insurance reimburses you for the cost of treatment. At Fetch by The Dodo, that means paying you back for up to 90% of your vet bill. We like to think about it like taking care of the people who take care of their pets.
It can feel like insurance providers are speaking their own language.
Not sure how to make sense of it all? We’ve got you.
A pre-existing condition is an illness or injury that is diagnosed before your pet’s insurance policy is in effect. No pet insurance companies cover this. Learn more >
A waiting period is the amount of time that a new policyholder needs to wait before filing their first claim. It’s a safeguard against people insuring pets who are already sick or hurt. Some providers have waiting periods up to 30 days. At Fetch, the waiting period is 15 days. Learn more >
Your reimbursement rate is the percentage that you get paid back for each covered vet visit. At Fetch, you can choose either 70%, 80%, or 90%.
A premium is the amount you pay for your pet’s insurance policy. At Fetch, you can choose to pay monthly, quarterly or annually.
A deductible is the amount you need to pay out of pocket before your pet insurance kicks in.
A claim is a request to be paid back for a covered vet visit or treatment. How to file a claim >
Your policy is the document that tells you exactly what is and isn’t covered by your insurance plan. See an example policy >
Your annual limit is the maximum amount of money you can be paid back every policy year. It’s a number that you pick based on your needs.
An invoice is the bill or receipt you receive from your vet after a visit. In order to file a claim, you need proof of a paid invoice. It should also be itemized, meaning it details exactly what you were charged for. Learn more >
A medical record is a report from your vet that details your pet’s medical history. This includes exam notes, lab results and any medical information. Learn more >
Co-insurance is the percentage of your vet bill that is not covered by pet insurance. So if you have a 90% reimbursement rate, your co-insurance is 10%.
An exam fee is the amount a vet charges just to see them. Often, pet insurance doesn’t cover these fees, which can cost up to C$250. Fetch covers exams fees for every sick visit.
We reimburse vet bills due to accidental injuries and illnesses.
Laboratory and diagnostic testing, including specialized chemistry and hematology, are covered as long as it’s medically necessary.
We cover the cost of any exam conducted by a licensed veterinarian to treat or diagnose an ill or injured pet. Other providers don’t typically cover these fees.
We cover injury and disease in every adult tooth — unlike other providers that only cover the canines.
Not all providers cover hereditary conditions linked to breed. We do.
If acupuncture is recommended and performed by a licensed veterinarian, we cover it.
Any imaging deemed medically necessary by a licensed veterinarian to help diagnose or treat your pet, including X-rays, MRIs, CAT scans and ultrasounds are covered.
We cover veterinary oncology care and cancer treatment.
We cover rehabilitation prescribed by a licensed veterinarian as part of a treatment and performed at a veterinary facility.
If hydrotherapy is recommended and performed by a licensed veterinarian, we cover it.
Emergency visits and specialties including surgery, oncology, cardiology, ophthalmology, dermatology, dentistry and neurology are covered.
We cover up to C$1,000 for the treatment for any change in your pet’s temperament, activity or inactivity that is abnormal, dysfunctional or unusual for which there is no underlying medical condition(s). Behavioral disorders include, but are not limited to, aggression, separation anxiety or phobias.
If chiropractic care is recommended and performed by a licensed veterinarian, we cover it.
Any illness or injury that is diagnosed before your pet’s insurance policy is in effect aren’t covered.
Routine care procedures like checkups, vaccinations, teeth cleaning and spaying/neutering aren’t covered.
Unless they’re deemed medically necessary by a veterinarian, cosmetic and elective procedures such as ear cropping, tail docking, declawing and dewclaw removal aren’t covered.
Our data scientists created a patent-pending, proprietary technology called Fetch Forward. It uses over 150 million data points to establishes fair and accurate pricing. That’s something no other provider can promise.
Fetch pet insurance policies average C$35/mo for dogs and C$25/mo for cats.
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Risk-free cancellation terms vary by state.
Up to 10% partner discount. Subject to approval. Partner discount not available in FL, HI, TN. Renewals are not eligible for this promotion. Not valid with any other offer. This offer is subject to change at any time without notice. All coverage and limit options may not be available to all customers and are subject to underwriting approval. Exam fees based on average costs. Televet currently not available in NY, NJ and Canada.
Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the waiting period, are excluded from coverage.
Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2020 through 12/31/2020 and all available limit combinations.
Most comprehensive* according to Consumer’s Advocate as of January 2021, based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers. Consumer Advocate is a Fetch Partner.
Best pet insurance according to Consumer Voice February 2021.
The Dodo is the #1 animal brand globally on social according to Tubular as of January 2021.
Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch by The Dodo Fetch by The Dodo, LLC in Michigan & New Mexico, and Fetch by The Dodo Insurance Services, LLC in California) and underwritten by XL Specialty Insurance Company, a Delaware Corporation or AXIS Insurance Company, an Illinois Corporation, in the U.S. and XL Specialty Insurance Company - Canadian Branch or AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit FetchPet.com. ©2021 Fetch, Inc. Information accurate as of December 2021.
This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage. Not all coverages or options stated above may apply to each policyholder. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy.
All coverage and limit options may not be available to all customers and are subject to underwriting approval.
Long live love is a service mark of Fetch, Inc.