Fetch by The Dodo

Name: Fetch by The Dodo
Brand: Fetch by The Dodo
Rating: 4.5 (1 reviews)

★★★★★

4.5(11,300 reviews)

Founded 2003 (Petplan UK), 2009 (US), rebranded to Fetch 2022·Underwritten by XL Specialty Insurance Company·AM Best: A+

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$25–$90/month

Fetch Review Summary

Fetch by The Dodo emerged from the merger of Petplan (one of the earliest comprehensive pet insurers) with The Dodo's animal-passionate brand. The result is a policy that covers virtually everything: exam fees, dental illness, behavioral issues, alternative therapies, telehealth consultations, cancer chemotherapy, and more — all in the base plan without add-ons. For Golden Retriever and Boxer owners worried about cancer, this comprehensive coverage is particularly valuable. The 15-day waiting period for accidents is the most notable weakness — if you need to file a claim in the first two weeks, you're out of luck. Plan ahead and enroll as early as possible.

Pros & Cons

✅ Pros

✓Most comprehensive base coverage — exam fees, dental, behavioral all included
✓Covers breed-specific conditions without exclusions
✓Covers cancer treatment including chemotherapy
✓Telehealth consults included
✓Backed by The Dodo — appeals to pet-culture audience

⚠️ Cons

✗15-day waiting period for accidents — longest in the industry
✗No wellness plan available
✗Higher premiums than budget alternatives
✗Fewer deductible options

Coverage Details

Monthly Premium	$25–$90
Annual Deductible	$250–$500
Reimbursement Options	70%, 80%, 90%
Annual Limit Options	$5,000, $8,000, $10,000, $15,000, Unlimited
Accident Waiting Period	15 days
Illness Waiting Period	15 days
Age Limit	6 weeks to adult (no upper limit listed)
Hereditary Conditions	✓ Covered
Bilateral Conditions	✓ Covered
Dental Illness	✓ Covered
Exam Fees	✓ Covered
Behavioral Therapy	✓ Covered
Cancer Treatment	✓ Covered
Alternative Therapies	✓ Covered
Wellness Add-on	✗ Not available
Breed Exclusions	✓ No breed exclusions