Fetch Pet Insurance
Fetch (by The Dodo) is a monthly pet insurance membership, not a free trial.
Exit grade D: There is no self-serve online cancel button. Fetch offers a 30-day risk-free window, but to cancel you contact them by phone or email rather than clicking a cancel link.
On fetchpet.com
We may earn a commission (via direct) - it doesn't change our verdict. How we get paid →
Then come back.
We'll track Fetch Pet Insurance for you - reminders days before renewal, so deciding is always on your schedule.
Track this trialQuick answer
Fetch Pet Insurance: Fetch (by The Dodo) is a monthly pet insurance membership, not a free trial. A credit card is required to start. Cancelling is hard - about 12 minutes. Our take: Fetch has the broadest base coverage in our set: behavioral therapy, dental disease, holistic and alternative care, and unusual extras like lost-pet reward and vacation-cancellation costs are built into the plan rather than bolted on.
Last verified: July 22, 2026
On fetchpet.com
Our take
Fetch has the broadest base coverage in our set: behavioral therapy, dental disease, holistic and alternative care, and unusual extras like lost-pet reward and vacation-cancellation costs are built into the plan rather than bolted on. That makes it a strong pick for an owner who wants one comprehensive policy. Honest trade-offs: sick-visit exam-fee coverage can be an add-on depending on your state, the orthopedic waiting period is a full 6 months, and cancellation is by phone or email rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.
Fetch at a glance
| Accident and Illness plan | |
|---|---|
| Typical monthly premium | Dogs about $35 to $70, cats lower, varies widely |
| Reimbursement options | 70%, 80%, or 90% |
| Annual deductible | Options commonly around $250 to $500+ |
| Annual payout limit | $5,000 and up |
| Waiting periods | Up to 15 days accident and illness, 6 months orthopedic |
| Notable inclusions | Behavioral, dental disease, holistic care, lost-pet and vacation-cancellation costs |
| Key exclusions | Pre-existing conditions; exam fees may be an add-on; routine care |
| Cancellation | Phone or email - no self-serve online |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - honest ranges, not a quote.
What you get
The Fetch Pet Insurance Accident and Illness (comprehensive) plan
Included · 5
A comprehensive accident and illness plan with unusually broad base inclusions
Behavioral therapy, dental disease, and alternative and holistic therapy included in the plan
Extras such as lost-pet reward costs and vacation-cancellation fees tied to a covered pet emergency
Your choice of 70, 80, or 90 percent reimbursement, an annual deductible, and an annual limit
Availability in all 50 states, Washington, DC, and Canada, with a 30-day risk-free window
Worth knowing
Pre-existing conditions - excluded, as with every carrier
Sick-visit exam fees in every configuration - this can be an add-on depending on your state and plan
Routine and wellness care unless separately added
Coverage during waiting periods - up to 15 days for accidents and illness and 6 months for orthopedic conditions
A flat premium - rates rise with age and vet-cost inflation
The honest data
By the numbers
- Pricing
- Fetch (by The Dodo) is a monthly pet insurance membership, not a free trial. It stands out for the breadth of what its accident-and-illness plan includes: behavioral therapy, dental disease, alternative and holistic therapy, and even lost-pet reward and vacation-cancellation costs. Premiums vary by species, breed, age, and ZIP. Researched July 2026: dogs commonly run about $35 to $70 a month, with cats lower. You choose 70, 80, or 90 percent reimbursement, an annual deductible, and an annual limit. Coverage of sick-visit exam fees can be an add-on depending on your state and configuration. Fetch is available in all 50 states, Washington, DC, and Canada.
- Card required
- Yes
- Cancellation
- Hard
- Time to cancel
- ~12 min
Around the web
What others say about Fetch Pet Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
2 reviews from 2 sources
Topline: Mixed
1 positive1 mixed
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
Forbes Advisor
Fetch Pet Insurance Review and Pricing
“Praises the breadth of included coverage, from behavioral and dental to holistic care and lost-pet costs, while noting some exam-fee coverage depends on configuration.”
Independent editorial review; details summarized from the piece.
Read on forbes.comReviewer
U.S. News
Fetch Pet Insurance Review for 2026
“Notes comprehensive coverage and nationwide availability alongside a longer 6-month orthopedic waiting period and a contact-to-cancel process.”
Independent editorial review; sentiment summarized from the piece.
Read on usnews.com
Cancellation guide
How to cancel Fetch Pet Insurance
Documented · ~12 min
- 01
Have your policy number ready
- 02
Contact Fetch by phone or email to request cancellation - there is no online cancel button
- 03
State the effective date you want coverage to end
- 04
If you are within the 30-day risk-free window, ask about a full refund; otherwise ask about a pro-rated refund
- 05
Request written confirmation of the cancellation
Fetch Pet Insurance free trial - frequently asked
- How much does Fetch Pet Insurance cost?
- Fetch (by The Dodo) is a monthly pet insurance membership, not a free trial. It stands out for the breadth of what its accident-and-illness plan includes: behavioral therapy, dental disease, alternative and holistic therapy, and even lost-pet reward and vacation-cancellation costs. Premiums vary by species, breed, age, and ZIP. Researched July 2026: dogs commonly run about $35 to $70 a month, with cats lower. You choose 70, 80, or 90 percent reimbursement, an annual deductible, and an annual limit. Coverage of sick-visit exam fees can be an add-on depending on your state and configuration. Fetch is available in all 50 states, Washington, DC, and Canada.
- How do I cancel Fetch Pet Insurance?
- To cancel Fetch Pet Insurance: 1. Have your policy number ready; 2. Contact Fetch by phone or email to request cancellation - there is no online cancel button; 3. State the effective date you want coverage to end; 4. If you are within the 30-day risk-free window, ask about a full refund; otherwise ask about a pro-rated refund; 5. Request written confirmation of the cancellation. It takes about 12 minutes and is rated hard to cancel.
- Do I need a credit card for the Fetch Pet Insurance trial?
- Yes - Fetch Pet Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
More Pet Insurance trials
Lemonade Pet Insurance
Free
-
After
-
Kept
-
“Lemonade is the honest default for most dog and cat owners: the lowest entry premiums in our set, app-based claims that often pay in minutes, and reimbursement, deductible, and annual limit you can all tune to your budget. It is also the one pet insurer here you can cancel yourself, in-app, with a pro-rated refund. Two honest caveats: it is a younger insurtech whose claims-experience reviews run more mixed than the boutique carriers, and wellness is an add-on rather than included. If you want the simplest unlimited plan instead, look at Healthy Paws; if you want the vet paid directly at checkout, look at Trupanion. Track your renewal here and we send a reminder before each one, so nothing surprises you.”
Trupanion
Free
-
After
-
Kept
-
“Trupanion is built for the big-bill scenario: a flat 90 percent reimbursement, no annual or lifetime payout limit, and the only direct-to-vet payment in our set, so a participating hospital can be paid at checkout instead of you fronting the cost. Its signature per-condition deductible is a genuine advantage for one serious chronic condition and a possible drawback for a pet that develops several, since each new condition carries its own deductible. Honest trade-offs: it is typically the priciest option here, there is no wellness coverage, exam fees are not covered, and cancellation is by phone or email rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.”
Embrace Pet Insurance
Free
-
After
-
Kept
-
“Embrace is a strong all-rounder with two things going for it that are easy to verify: a diminishing deductible that rewards claim-free years by dropping $50 each year, and an A+ Superior-rated underwriter (American Modern, part of Munich Re) that speaks to financial strength. Its optional Wellness Rewards is an unusually flexible routine-care allowance. Honest trade-offs: filing a claim pauses that year's deductible drop, first-time enrollment into full illness coverage has age limits, and cancellation is by phone rather than self-serve. Track your renewal here and we send a reminder before each one, so nothing surprises you.”