What Is Fetch (formerly Petplan) Used For: Features, Reviews & Alternatives

Fetch typically covers a wide range of treatments for accidents and illnesses, including vet exam fees, diagnostics (X-rays, ultrasounds, blood tests), surgeries, hospitalization, prescription medications, and rehabilitation. Specific coverage details, including any exclusions for pre-existing conditions or routine care, are outlined in your policy documents.

Claim processing times can vary, but Fetch aims to process most claims within 2-5 business days after receiving all necessary documentation. Reimbursements are then issued via direct deposit or check, depending on your preference. You can track your claim's status in your online policyholder portal.

Yes, Fetch policies are designed to be used at any licensed veterinarian in the U.S. and Canada, including specialists and emergency clinics. There are no network restrictions, so you're free to choose the vet that's best for your pet.

Your premium is primarily influenced by your pet's breed, age, and location (zip code), as well as the deductible, reimbursement percentage, and annual limit you choose for your policy. Generally, older pets and certain breeds prone to specific health issues may have higher premiums.

Yes, like most pet insurance providers, Fetch has waiting periods. Typically, there's a short waiting period for accidents (e.g., 15 days) and a longer one for illnesses (e.g., 15 days). Orthopedic conditions like hip dysplasia may have extended waiting periods. These periods begin from your policy's effective date.