⏳ Waiting Period15 days for accidents and illnesses, 6 months for orthopedic conditions
💰 Reimbursement70%, 80%, or 90% of eligible costs after annual deductible
📞 Contactfetchpetinsurance.com | 1-866-936-7387
📋 How to File a Fetch Claim
- Log in to your Fetch account at fetchpetinsurance.com or use the mobile app
- Submit your claim with an itemized invoice and medical records
- Claims can be submitted from inside the vet's office via the app
- Claims must be filed within 90 days of treatment
- Processing typically takes 5 to 10 business days
- Reimbursement by check or direct deposit
⚠️ Common Reasons Fetch Denies Claims
- Pre-existing conditions
- Orthopedic and hip/knee injuries have a 6-month waiting period
- Treatments during the 15-day waiting period
- Breeding costs, pregnancy, and elective procedures
💡 Tips for a Successful Fetch Claim
- Fetch covers dental illness in the base plan without an add-on, a significant advantage over Trupanion and some others
- Fetch covers exam fees in the base plan
- Fetch covers behavioral therapy and rehabilitation, useful for anxiety and recovery care
- Up to 90% reimbursement rates available
- Fetch covers pets at any age, no maximum enrollment age
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