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Fetch by The Dodo Pet Insurance Review
By Susan Doktor MONEY RESEARCH COLLECTIVE
Fetch by The Dodo — formerly PetPlan — offers accident and illness pet insurance plans for dogs and cats across the U.S. While it didn’t make it onto our list of the best pet insurance companies, Fetch offers some unique features that may be beneficial for pet parents.
Read on to learn more about pet insurance from Fetch by The Dodo, including its coverage, features, cost and customer satisfaction.
Table of contents
- Fetch by The Dodo overview
- Fetch by The Dodo’s services
- Fetch by The Dodo’s credentials
- Fetch by The Dodo’s customer satisfaction
- Fetch by The Dodo vs. the competition
- Fetch by The Dodo FAQs
- How we evaluated Fetch by The Dodo pet insurance
- Summary of Miami Herald’s Fetch by The Dodo review
Fetch by The Dodo overview
Fetch by The Dodo was founded in 2003. It was previously called PetPlan but rebranded to Fetch by The Dodo when The Dodo, a media brand, took a minority stake in the company in 2020.
The company’s plan options are somewhat more limited than some of its competitors’ pet insurance coverage. For example, you can’t buy an accident-only or an illness-only policy — just one type of policy that covers both. Also, coverage is capped at $15,000 with no option for unlimited coverage. However, you can customize your policy by choosing your deductible, annual coverage cap and reimbursement percentage.
Fetch by The Dodo’s services
Fetch by The Dodo offers a combination accident and illness insurance plan only. Its plans include holistic care and also cover hereditary conditions. Unlike some other pet insurance companies, it also covers vet exam fees for covered sick visits.
Some unique features of a Fetch policy include its coverage for missing pets and boarding kennel fees. Fetch by The Dodo covers $1,000 for advertising and reward money if your pet goes missing. It also covers up to $1,000 if you are in the hospital for more than four days and must board your pet.
While Fetch by The Dodo doesn’t offer routine and preventive care coverage, its accident and illness coverage applies to a wide range of incidents and veterinary treatments.
What it offers
- Accidental injuries & illnesses
- Veterinarian exam fees
- Dental care
- TeleVet services
- Chronic & hereditary conditions
- Behavioral therapies
- Diagnostic testing, including blood tests and imaging (X-rays, MRIs, CAT scans and ultrasounds)
- Cancer treatments
- Prescription medication
- Surgery and rehabilitation
- Holistic care and alternative therapies, including acupuncture
- Referral & specialist treatment
- Advertising & reward for lost pets
- Boarding fees during illness
- Vacation reimbursement
- Transparent pricing
- Mobile app for pet insurance claims submission
- Coverage for hip dysplasia in pets 6 years and older
What it doesn’t offer
- Accident-only plans
- Payment for routine vet bills, including vaccinations, annual checkups, and spaying and neutering
- Unlimited coverage limits (the maximum offered is $15,000)
- Elective procedure coverage
- Pre-existing conditions coverage
- Cosmetic or elective procedures
- Vet direct pay
Fetch by The Dodo pet insurance cost
The cost of pet insurance depends on your pet and its breed, age and location. Fetch by The Dodo notes on its website that the average cost for dogs is $35 per month, and the average for cats is $20 per month.
The company uses a patent-pending technology called Fetch Forward to determine your cost. Fetch Forward uses millions of data points collected over 16 years of clinical health studies and artificial intelligence. The technology can also provide a Pet Health Forecast to predict your pet’s health. It can provide the likelihood that your dog will develop certain conditions based on its data.
Fetch also offers discounts. Veterans and active military members can receive 10% off each month. AARP members also get 10% off.
Fetch by The Dodo’s credentials
Fetch by The Dodo is a veteran in the pet insurance industry — the company has been in business since 2003. Here’s a quick look at its credentials.
Licenses and registrations
The company is licensed with the National Association of Insurance Commissioners (NAIC) under the number 54541. According to the Better Business Bureau, Fetch is also licensed by the Pennsylvania Insurance Department (the state where Fetch’s headquarters are located). Its license number is 454553.
Regulatory or legal actions
Fetch by The Dodo has a clean record with the Consumer Financial Protection Bureau (CFPB), with no complaints filed against it in the past six years. Similarly, we found no regulatory actions against the company when we searched the National Association of Insurance Commissioners (NAIC) database.
Fetch by The Dodo’s accessibility
Fetch by The Dodo has broad geographic coverage and offers multiple options for reaching its customer service staff. Its website is easy to navigate and has educational information for pet parents.
Availability
Fetch by The Dodo offers pet policies across the U.S. and Canada.
Contact Information
You can reach Fetch by The Dodo by phone at 866-509-0165. The company also offers a live chat feature on its website that’s available 24 hours a day, seven days a week. Fetch by The Dodo’s mailing address is 200 Barr Harbor Drive, Conshohocken, PA 19428.
User experience
Fetch by The Dodo has a well-designed website that makes it easy to understand annual coverage limits, deductibles and reimbursement options. A section of the website, called The Dig, is a convenient hub for important information about pet insurance policies and pet health issues. Additionally, telehealth services are available via the company’s mobile app.
Limitations
The primary limitation we observed is Fetch’s low annual coverage amounts. Some pet insurance companies offer much higher limits, or even unlimited options. In addition, the company doesn’t offer separate accident-only or wellness plans.
Fetch by The Dodo’s customer satisfaction
By the latest count, Fetch by The Dodo insures over 282,000 pets, and its numbers are growing. Here’s a look at the customer feedback we found.
Third-party ratings
Fetch by The Dodo earns an A+ rating from the Better Business Bureau (BBB). Users on Trustpilot give the company a rating of 4.4 out of 5 stars. That average is based on over 600 reviews.
Customer complaints
There have been 53 complaints against the company submitted to the Better Business Bureau over the past year. By scanning the reviews, we found that many mention issues with billing and denied claims.
That being said, Fetch has undergone several ownership changes over the past few years. With new ownership comes the potential of new policy terms, conditions and premiums.
Fetch by The Dodo vs. the competition
The following table includes a comparison of pet insurance plan options offered by Fetch by The Dodo and its competitors.
| Details | Fetch by The Dodo | Embrace | Pets Best | Trupanion |
| Coverage | Accident and illness plans | Accident and illness plans and wellness plans | Accident and illness plans, accident-only plans and wellness plans | Accident and illness plans with add-on coverage available |
| Annual deductible options | $300, $500 or $750 | $100, $250, $500, $750 or $1,000 | $50, $100, $200, $250, $500 or $1,000 | Customizable from $0 to $1,000 |
| Annual reimbursement limit options | $5,000, $10,000 or $15,000 | $5,000, $8,000, $10,000, $15,000 or unlimited | $5,000 or unlimited | Unlimited |
| Reimbursement percentage options | 70%, 80% or 90% | 70%, 80% or 90% | 70%, 80% or 90% | 90% |
| Customer service | Online chat, email or phone | Online chat, email or phone | Online chat or phone | Online chat, form, email or phone |
Fetch by The Dodo FAQs
How we evaluated Fetch by The Dodo pet insurance
To evaluate Fetch by The Dodo we considered several factors, including:
- Types of plans offered
- Breadth and choice of coverage limits
- Deductible and copay options
- Treatments covered, including holistic and rehabilitative care
- Ease of filing a claim
- Quality of customer service
- Reputation among consumers and consumer advocacy groups
- Legal and regulatory actions
Summary of Miami Herald’s Fetch by The Dodo review
Fetch by The Dodo offers comprehensive coverage for an extensive range of medical conditions and treatments, including non-routine dental care. The company stands out for covering sick visit exam fees, which are often excluded by other policies. Its plan options have some limitations because it doesn’t offer routine care coverage or accident-only policies. Overall, Fetch by The Dodo is an option for pet parents who don’t need unlimited coverage or a wellness plan.
