Fetch Pet Insurance reviews — real stories from real pet parents

What do actual Fetch Pet Insurance Members say about their experiences, and do they think Fetch Pet is worth it in 2026?

Reviews of Fetch Pet are consistently positive. The company is rated ‘Excellent’ on Trustpilot with customers, like Susana, noting a “super easy and fast claim process” and others like Arline saying Fetch Pet is “the best in customer service.”

Members also thank Fetch Pet for giving them “peace of mind” by covering what others don’t and relieving “a huge weight” off their shoulders by reimbursing them for costly veterinary bills. Fetch Pet is the #1 pet insurance of 2026 Newsweek Readers’ Choice Award for “insurance that truly understands the pet-human bond.”

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Fetch Pet Insurance Members Joe & Charley

Joe & Charley

Fetch Members since 2017

Why Fetch Pet is worth it: Read members’ reviews & see how much they got paid back

1 in 3 pets needs emergency vet care each year, according to Forbes. Fetch Pet protects your pet and your wallet from the unexpected by covering what others charge extra for or don't cover at all with the most complete pet insurance. Don’t take our word for it. See what Fetch Pet Members have to say in their reviews.

“I'm very grateful for Fetch's coverage during this really awful time for Theo. I'm the sole financial supporter of my family right now, as my husband isn't working. Being able to receive financial support for Theo's medical bills relieved a huge weight off my shoulders.”

- Brynna, Theo’s person

Fetch Pet Insurance Members Theo & Brynna

Theo & Brynna

Chipped tooth & Giardia costs:

$3,793

Fetch paid back:

$2,527

“Theo was diagnosed with a tumor that required surgery. Because of the care he received, he now has a real chance at more healthy years. Fetch gave me the freedom to make the best possible decisions for him, and that translates directly into more time, more comfort and more good days together.”

- Alex, Theo’s parent

Fetch Pet Insurance Members Theo & Alex

Theo & Alex

Tumor costs:

$7,456

Fetch paid back:

$5,290

“Our world turned upside down when Mulligan was diagnosed with IMHA. In mere days, our vibrant, energetic pup became so weak she couldn't manage stairs. Fetch proved invaluable. Instead of worrying about costs during a stressful time, we were able to focus on her treatment. The coverage allowed us to approve necessary procedures without financial hesitation.”

- Taylor, Mulligan’s parent

Fetch Pet Insurance Members Taylor & Mulligan

Taylor & Mulligan

Hemolytic anemia costs:

$9,654

Fetch paid back:

$9,539

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With Fetch Pet, it’s easy to submit claims & get reimbursed for your pet’s care

Having a sick dog or an injured cat is stressful, getting reimbursed for taking care of them shouldn’t be. It’s fast and painless to file a claim in the Fetch Pet Insurance app, which is top-rated on Google Play and has 4.8 stars on the Apple App Store. Once filed, claims are typically processed in less than 10 days. Members share their experiences with our app and getting paid back.

“Fetch Pet Insurance really came through for us. [We had] major vet bills and Fetch was so prompt and lived up to our expectations. When you need them….they are there. I recommend them for your fur babies!”

Ginger, Fetch Member on Google

“Very pleased with the quick turn around of claim processing. As pet parents dealing with a cancer diagnosis, it's nice to know we have Fetch Pet Insurance making our treatment decisions easier.”

Tess, Fetch Member on Google

“I've only had good experiences. super easy to use and honestly way more reliable than my own human insurance about approving claims and sending money. I feel my pup is safe because I have Fetch.”

Jimmy, Fetch Member on Google Play

“Super easy to upload invoices/visit summaries to make insurance claims. Fetch covered a life saving operation for my Labrador Retriever. Extremely grateful I started the insurance on him the day we adopted him. One of the better coverage options out there AND less expensive. Very worth it.”

Grace, Fetch Member on Google Play

“I’ve had a fantastic experience with Fetch and highly recommend them. The claims process is incredibly easy and user-friendly. I really appreciate how straightforward and stress-free the entire process is, especially during times when you’re already worried about your pet.”

Ed, Fetch Member on Apple App Store

“I’m a college student and bills are scary and can get expensive quickly. I really love that Fetch just gives me peace of mind knowing that I have some sort of financial support, whether that is for checkups or medical emergencies. Thank you so much for helping me with my first pet!”

Lauren, Fetch Member on Apple App Store

“Painless. I submitted the claim and associated paperwork from my dog's veterinary care on my phone to Fetch. I was notified that my claim had been received and was being reviewed. A few days later I was notified that my claim review was completed and my payment was deposited.”

5 Star Rating

John, Fetch Member on Trustpilot

“We have used Fetch in the past as well and it has ALWAYS been a very admirable experience. The claim process has been easy to follow and tracking updates on target. The time frame from beginning to end for our claims was VERY good!…..A+”

5 Star Rating

Audrey, Fetch Member on Trustpilot

“I sent in a claim for my cat’s dental surgery. He’s 11 years old, and his teeth just started falling out! The response to my claim was quick, and it was covered by Fetch. For such an expensive surgery, I am so grateful I had coverage from Fetch.”

5 Star Rating

Sam, Fetch Member on Trustpilot

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Complete coverage for dental, behavioral therapy & more: Read Fetch Pet reviews

Fetch Pet is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. We’re also the only pet insurance provider to reimburse 100% for consultations with a vet to diagnose and treat behavioral disorders — up to $1,000/yr with no copay and no deductible. This includes aggression, separation anxiety, excessive barking, urine marking and more. Keep reading to see how Fetch Pet’s coverage helped these pet parents give their dogs and cats longer, healthier lives.

  • Daisy the dog in a pretty pink dress.Fetch Pet Insurance Member Daisy

    Daisy

    Lymphoma:

    $9,400

    FETCH PAID BACK:

    $7,220

    “Daisy was on the brink of passing. I felt comfortable doing everything to help her because I knew Fetch would help out. Fetch comforted me as we went through this — I wasn’t alone. Now, Daisy’s in remission. She’s doing great. Fetch helped give Daisy a longer life and me more time with her.”

    — Michael, Daisy’s dad

  • Fetch Pet Insurance Members Michelle & PabloFetch Pet Insurance Members Michelle & Pablo

    Michelle & Pablo

    Poison ingestion:

    $3,631

    FETCH PAID BACK:

    $3,268

    “The prescriptions and the services are very expensive. We have a behaviorist that’s covered up to $1,000 a year, and his meds for his behavioral issues are covered. Pablo has severe anxiety and fear aggression. He has reactivity issues. We couldn’t have kept Pablo if we didn’t have coverage for behavioral therapy.”

    — Michelle, Pablo’s mom

  • Fetch Pet Insurance Member RumpleFetch Pet Insurance Member Rumple

    Rumple

    Teeth extractions:

    $4,164

    FETCH PAID BACK:

    $3,748

    “We have insurance for ourselves and it makes 100% sense to have insurance for our cats, especially because they're family. We don't have to worry about the teeth extraction. We don't have to put that on the back burner, and then maybe the dental disease spreads to something else. We do whatever is necessary immediately to make sure that our cats are good.”

    — Melissa, Rumple’s mom

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Fetch Pet has thousands of 5-star reviews on Google, Trustpilot & more

There’s a lot to love when you get the most complete pet insurance. Fetch is rated ‘Excellent’ on Trustpilot, with 4.6 stars (out of 5) and thousands of reviews from pet parents. We’re also rated A+ by the Better Business Bureau, top-rated on Google and voted the #1 pet insurance provider by Newsweek readers.

See why Fetch Pet is rated ‘Excellent’ on Trustpilot

Trustpilot

Hear from Fetch Pet veterinary professionals

Fetch Pet’s Veterinary Advisory Board is comprised of top tier veterinary professionals, industry leaders and experts who inform our policies and advise on important pet health information.

No one has a crystal ball to predict their pet’s future health. That's why we built Fetch Pet to give you the most complete protection, so you have what you need when you need it — no compromises.

Dr. Aliya McCullough, DVM, MS

Fetch Chief Veterinary Officer & Director of Veterinary Affairs

Dr. Aliya McCullough, DVM, MS

Fetch Pet takes a holistic approach,  providing the best coverage, while also making quality food, training, telehealth and more convenient and affordable.

Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board

A portrait of Dr. Audrey Ruple.

Fetch Pet covers what others don’t — see for yourself

When you sign up with Fetch Pet, dental, behavioral therapy, sick-visit exam fees and more are all included with your policy. Other pet insurance providers, like Trupanion, Healthy Paws and Lemonade, don’t cover (or charge extra for) what comes standard with Fetch Pet.

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Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.

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Your questions about Fetch Pet’s reviews & ratings, answered

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Fetch is on a mission to help you give your pet a longer, healthier life.

Making the best veterinary care accessible to your dogs and cats — no matter the cost — is just the beginning. When you join Fetch, you’re getting the most complete pet insurance and unlocking a world of exclusive Member Perks on products and services that help you enjoy more good days with your pet.

Fetch Pet Insurance | Love Longer.™

†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. All orders from FetchPetRx.com are fulfilled by Allivet. Allivet is a fully licensed pharmacy, licensed to sell pet prescription medication in all states. By purchasing Fetch Pet Insurance, you acknowledge and agree that to qualify for the waived copay, you must use FetchPetRx.com (orders fulfilled by Allivet) or Allivet.com, as the designated preferred pharmacy noted in the Terms & Conditions. 1Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. Comparison of discounts on pet products & services based on each provider's website as of June 2026. 2#1 pet insurance provider for shelter and rescue pets according to Sherry Silk, CEO, The Humane Society of Tampa Bay, Anna Neubauer, CEO, The Hawaiian Humane Society, Dr. Steven Hansen, CEO, The Arizona Humane Society, Adam Lamb, CEO, The Brandywine Valley SPCA, and Alison Cross, Senior Director, Ontario SPCA & Humane Society. The Humane Society of Tampa Bay, The Hawaiian Humane Society, The Arizona Humane Society, The Brandywine Valley SPCA, and The Ontario SPCA & Humane Society are Fetch partners. 3#1 choice among ethical breeders based on testimonials from Claire Komorowski, CEO, PuppySpot, Mike Schoeff, Founder, Premier Pups, Barry Formanack, CEO, Crockett Doodles, Drew Crockett, Co-CEO, Crockett Doodles, Carol Formanack, President, Crockett Doodles, Maverick Mackovic, Owner, Happy Tails. PuppySpot, Premier Pups, Crockett Doodles, and Happy Tails are Fetch partners.

Individuals and pets that appear have been insured by Fetch.

1 out of 3 pets need emergency veterinary treatment each year according to Forbes Advisor, Pet Insurance Statistics 2025. Jan. 2025.

More than 7 million dogs and cats are insured in the U.S. and Canada based on the North American Pet Insurance Association’s 2025 State of the Industry Report. Apr. 2025.

Every 6 seconds a pet owner is faced with a vet bill of $1,000 or more according to Forbes Advisor, Pet Insurance Statistics 2025. Jan. 2025.

Top-rated pet insurance provider on Google Business Reviews compared to pet insurance companies offering nationwide, comprehensive pet coverage as of Dec. 2025. Google is a trademark of Google LLC and this statement is not endorsed by or affiliated with Google in any way.

#1 pet insurance provider according to Newsweek Readers' Choice 2026. The Newsweek Readers’ Choice Awards are decided through a combination of editorial expertise and direct input from pet parents.

Best pet insurance for dental coverage according to Forbes, July 2026. Based on a comparison of best pet insurance companies of 2026 on forbes.com.

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state or province and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©2026 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. Forbes Advisor is a Fetch partner. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. Unmatched according to The Dodo, May 2022. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

Fetch is a registered trademark owned by Fetch, Inc. Made for More and Love Longer are trademarks owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums for dogs and cats, using the most common coverage configuration of $10,000 annual limit, $300 deductible, and 80% reimbursement rate for the period of 07.01.2024 through 06.30.2025. Exam fees based on average costs, according to Fetch data. Policies in force and number of pets helped based on Fetch data as of 4.1.2026.

Average savings of $40+ per order derived from actual Fetch member purchase data from April–June 2025 in the U.S. and Canada and displayed in U.S. dollars. Savings represent the difference between retail price and price paid through Fetch Deals. Individual results may vary. Fetch Deals offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Deals program or site. Fetch Deals is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company. Please click here to review terms and conditions.