Blog Get My Quote

History of Fetch

Fetch US has an interesting story. In 2001, Natasha and Chris Ashton, moved to Philadelphia with their cat, Bodey to attend the prestigious University of Pennsylvania’s Wharton School of Business. Shortly thereafter, their cat became ill and the veterinary bill ended being $5000.00 This unfortunate incident with their cat and the knowledge that nearly a quarter of pets are insured in their native Britain gave them an idea to enter their school’s business plan competition, and submitted a pet insurance business plan called PAWS, which won the $20,000 grand prize. Thereafter, the Ashtons incorporated Fetch Inc., which in November 2003 was awarded the exclusive license for the Fetch brand in the United States, which had its start in the U.K. in 1976. So if you combine Fetch’s history in the U.K., Fetch USA, compared to its competitors, has been around the longest.

Some Interesting background facts on Fetch:

  • In 2011, Fetchwas selected by North Shore Animal League America, the world’s largest no kill animal rescue and adoption, as their exclusive insurance provider.
  • Fetch’s Fetch blog features advice for pet health, written by veterinary professionals
  • Every new enrollee is offered a month of Barkbox, a pet treat company headquartered in NY, and a subscription to Fetch magazine.
  • In 2016, Fetch US switched underwriters to provide a broader choice of policy coverage, which increased the cost of monthly premiums
Policy Coverage Major Medical
XL Specialty Insurance or AGCS Marine
Company, a member of Allianz Group
Where Plans Offered US and Canada
Deductible Type
Annual Deductible and Per Condition
Deductible Options 100-2500
Reimbursement Option 70-90%
Policy Limit Options $2500 to unlimited
Lifetime Limits Unlimited to up to policy limits
Wellness Coverage Not offered
Upper age limits No
Vet Exams fees Yes
Hips Dysplasia Yes. 15 days waiting period
Cancer Treatments Yes
Emergency Visits Yes
Hospitalization Yes
Surgery Yes
Prescription food No
Specialists Yes
Outpatient Care Yes
Holistic/Alternative Yes
Waiting Periods 5 days for accidents
15 day illness
6 months orthopedic coverage
Customer Service 24/7
Email ,live chat ,phone call
Filing Claim Options Email, fax, mobile phone app
Enrollment Requirements No exam required prior to enroll. However, you need an exam prior to claims payout. Yearly exam required for future claims payout.
Year in Business 2006 – 12 years
30 day free look Yes
Get your paws on a fast, free quote now at!Learn More Save up to 10% with code EVTEN19 on your dog’s health insurance just for enrolling online at!Learn More

Sample Policy

Here are Fetch ’s strengths:

  • Offers vet exam coverage
  • Offers deep comprehensive plans
  • Offers flexible deductible: coverage range from 100 to 2500
  • Offers flexible reimbursement; coverage range from 70 to 90%
  • Offers both annual and per-condition deductible
  • Offers 24/7 customer service
  • Offers dental disease coverage.
  • Offers mobile phone app for claims processing and record keeping
  • Offers Long established history. Fetch UK founded in 1976.
  • Excellent customer satisfaction reviews with pet insurance review (9.1), and consumers advocate (8.9/10).

Here is what is not offered/or required by Fetch :

  • No wellness coverage
  • Yearly health and dental exam required for future claims payout
  • Monthly premiums higher than most of their competitors
  • No prescription food coverage
  • $3.00 monthly transaction fee if you choose monthly/quarterly vs annually payment
  • Requires pet owners to take pet to vet within 48 hours of noticing symptoms.
  • 6 month wait for knee coverage (can be waived if knees declared healthy by veterinarian within one month of enrolling.)
  • Does not allow policy holders to change/add plan until the next 12 months’ period begins.
  • Does not cover other injured knee if first knee was pre existing prior to enrollment.

A Quick Overview on Fetch :
Although Fetch monthly premium is higher than most of its competitors, Fetch offers one of the most comprehensive insurance plans, with many options for annual benefits, deductibles, and reimbursement rates. In addition, Fetch offers vet exams fees, no upper age limits, and 24/7 customer service. Although not a dealbreaker, Fetch requires pet owners to take their pet to the vet every year for a health or dental exam, or anything diagnosed at the next visit may be treated as a preexisting condition. So if you file a claim for an ear infection, and the pet has not seen a vet within the last 12 months, that ear infection may not be covered. Fetch’s advantage over the other pet insurance companies is that it has been in business for 40 years (U.K. included), and a long established reputation. So if you are looking for a pet insurance company that offers one of the most comprehensive insurance plans, offers 24/7 customer service, and has the longest established history and reputation, click on banner below and see if Fetch’s plans and prices would be a great fit for you and your pet.

Learn More