Fetch by The Dodo Pet Insurance Review

Fetch by Dodo offers many discount programs and has a minimum age requirement. However, it has limited annual benefits, so it may not be suitable for all pet owners.

Dodo Pet Insurance Company Overview

PetPlan has partnered with The Dodo, a well-known pet brand, to create Fetch by Dodo Pet Insurance in 2021.

Since its inception, the company has insured more than 280,000 pets. Its accident and health insurance policies are sold directly to consumers through its website, and they are available in all 50 states and DC and most of Canada.

Fetch is headquartered in New York and has about 200 employees in the United States and Canada.

Available Plans

Fetch only has one plan option for dogs and cats: accident and illness coverage. Its plans reimburse policyholders for the treatment of unexpected injuries and illnesses, including cancer treatments, surgeries, and wounds. 

While Fetch doesn’t have optional riders, its plans do include extra benefits many other insurers don’t provide: 

  • Lost pet advertisements and rewards: If your dog or cat is lost or believed to be stolen, Fetch will reimburse you up to $1,000 for advertising and rewards for the pet’s safe return. 
  • Boarding fees: If you are injured or ill and are hospitalized for four or more days, Fetch will reimburse you for up to $1,000 in boarding fees for your pet. 
  • Vacation cancellation: If your pet becomes seriously injured or ill and you need to cancel or interrupt your vacation plans to take care of them, vacation cancellation coverage will reimburse you up to $1,000.
Covered Treatment Illness/Injury Plan 
Exam fees ✓ 
Emergency/office exams ✓ 
Genetic/congenital conditions ✓ 
Surgery/hospitalization ✓ 
Cancer/chronic conditions ✓ 
Specialist care ✓ 
Non-routine dental ✓ 
Prescription medication ✓ 
Holistic/chiropractic care ✓ 
Behavioral therapy ✓ 

Waiting time
Like other pet insurers, Fetch has a waiting period before its coverage kicks in. The waiting time for both emergencies and illnesses is 15 days. However, there is an exception for hip dysplasia. Fetch will not cover any treatment for hip dysplasia for the first six months of the policy. Cancellation policy
When you buy pet insurance from Fetch, you get a 30-day free trial period. You have 30 days from the effective date of the policy to cancel your policy and get a full refund. After the free trial period ends, you can cancel your coverage at any time without penalty. Fetch will refund you the recommended amount depending on the termination date. You may cancel your coverage by calling (866) 467-3875 or emailing info@fetchpet.com.

Deduction plan
Pre-existing conditions are not covered by pet insurance companies, and Fetch is no exception. All conditions diagnosed before the effective date of your policy are excluded from coverage.

Some other important exceptions:

  • Prescription food
  • Classical or preventive care
  • Experimental treatment
  • microchip
  • Regular dental care
  • Heart worm/FELV/blood/fecal test
  • Heartworm/Weed/Tick Prevention
  • cast / material
  • Vaccination / name
  • Existing conditions

    Pre-existing conditions: are any injuries or illnesses that your pet has before the effective date of the policy or that developed during the waiting period. Treatment for pre-existing conditions is not covered.

However, Fetch has other features for treatable conditions. If your pet has a pre-existing condition, but does not reoccur or require treatment for 365 days, the condition will be covered in the future.

Plan Pricing

According to Fetch by the Dodo, plans average $35 per month for dogs, and $25 per month for cats. When choosing a plan, you have the following options to choose from:

Fetch Policy Options
Annual Benefit Limit$5,000, $10,000, $15,000
Reimbursement Percentage 70%, 80%,  90% 
Deductible $300, $500, $700 

In general, we found that Fetch’s policies were in line with the industry average for most pets (using an average of three pet personas: two dogs and a cat). However, its premiums were substantially higher than other companies for pets eight and up.

Available Discounts

Fetch offers a 10% discount for the following groups: 

  • Shelter and rescue adopters
  • AARP members
  • Veterans and active military
  • Support, comfort, and therapy pet owners
  • Veterinarians and vet staff

You can also save money by paying your premiums annually rather than monthly or quarterly. And if you go a certain period without filing any claims, you can qualify for a 30% discount. 

Fetch offers easy-to-understand accident and health insurance policies for cats and dogs. Its plan includes other benefits that are usually an additional cost in other companies, and you can register a pet as young as six weeks old. However, Fetch does not offer unlimited annual benefits or 100% refunds, and its premiums are higher than usual for senior pets. Before purchasing insurance, compare rates from other major companies to find the best policy for your pet.