Fetch Pet Insurance 2025: In-Depth Review for Aussie Pet Owners
Our expert's opinion on Fetch
Fetch Pet Insurance is a digital-first, app-managed provider in Australia, offering a single, highly flexible plan with comprehensive coverage and a $30,000 annual limit, the highest in the local market, without sub-limits on individual conditions.Customers can tailor reimbursement percentages (70%, 80%, 90%) and excess levels, and pay monthly, with the policy structure designed for simplicity and predictability in claims, but no wellness or routine care budget.Fetch positions itself above mainstream providers by removing most annual sub-limits and providing condition lifetime excesses, making it especially attractive to owners of pets with potential for chronic or high-cost conditions, though its pricing details remain undisclosed and may sit at the mid-to-premium range for this breadth of cover.Fetch is especially suited for owners of young or healthy pets, those seeking high reimbursement caps, purebreed owners concerned about hereditary issues, and tech-savvy clients preferring paperless enrollment and claims.Underwritten by Pacific International Insurance, a well-established underwriter in Australia, Fetch demonstrates financial reliability; its Trustpilot rating stands at 4.4/5 (4,762 reviews), with consistent praise for fast reimbursements (often within days when using the app) and responsive customer service, though some note stricter pre-existing exclusions and premium rises.
- ✅$30,000 annual limit per pet, no condition sub-limits
- ✅Flexible custom reimbursement (70–90%) and excess options
- ✅Single policy formula for simplicity
- ✅Fast, fully digital claims and support, 24/7 in-app chat
- ✅One lifetime excess per condition for life
- ✅Multi-pet 5% discount
- ✅Strong customer review score: 4.4/5 from 4,762 reviews
- ❌No wellness or routine care cover
- ❌Claims often declined for pre-existing/unrecorded conditions
- ❌Excess applies per condition for life, not annually
- ❌Premiums reported to rise at renewal
- ❌No cover for desexing, routine dental, breeding or travel
Score- ✅$30,000 annual limit per pet, no condition sub-limits
- ✅Flexible custom reimbursement (70–90%) and excess options
- ✅Single policy formula for simplicity
- ✅Fast, fully digital claims and support, 24/7 in-app chat
- ✅One lifetime excess per condition for life
- ✅Multi-pet 5% discount
- ✅Strong customer review score: 4.4/5 from 4,762 reviews
Our expert's opinion on Fetch
- ✅$30,000 annual limit per pet, no condition sub-limits
- ✅Flexible custom reimbursement (70–90%) and excess options
- ✅Single policy formula for simplicity
- ✅Fast, fully digital claims and support, 24/7 in-app chat
- ✅One lifetime excess per condition for life
- ✅Multi-pet 5% discount
- ✅Strong customer review score: 4.4/5 from 4,762 reviews
- ❌No wellness or routine care cover
- ❌Claims often declined for pre-existing/unrecorded conditions
- ❌Excess applies per condition for life, not annually
- ❌Premiums reported to rise at renewal
- ❌No cover for desexing, routine dental, breeding or travel
Score- ✅$30,000 annual limit per pet, no condition sub-limits
- ✅Flexible custom reimbursement (70–90%) and excess options
- ✅Single policy formula for simplicity
- ✅Fast, fully digital claims and support, 24/7 in-app chat
- ✅One lifetime excess per condition for life
- ✅Multi-pet 5% discount
- ✅Strong customer review score: 4.4/5 from 4,762 reviews
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialist carefully reviews the terms and pricing of pet insurance policies available in the Australian market every year, ensuring you receive reliable and impartial analysis. Thanks to this thorough approach, hundreds of thousands of Australians trust us each month to guide them with their most important financial choices.
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Fetch distinguishes itself in Australia’s pet insurance market by offering a single, highly customisable plan with a generous $30,000 annual limit, user-selected reimbursement (70–90%), and a per-condition excess that applies for the life of each illness or injury, not annually.
The plan covers accidents, illness, chronic and hereditary conditions (if not pre-existing), wide-ranging therapies, hospitalisation, and even major dental, with no policy sub-limits per condition, making it especially attractive to owners of breeds at risk of costly problems.
Strengths include transparent policy structure, a smooth fully digital claims process, quick waiting periods (2 days injury, 30 days illness), and excellent support features like fast pre-approval and lost pet alerts.
Weaknesses are the absence of a wellness/preventive care option, strict exclusion of all pre-existing and routine care, and no cover for commercial pets or banned breeds.
Fetch is particularly well-suited to tech-savvy Australians wanting maximum cover flexibility and certainty for high-cost veterinary care, but is less ideal for those emphasising wellness support or seeking cover for routine services.
| Name of coverage | Fetch Pet Insurance |
|---|---|
| Plan positioning | High-limit accident & illness plan; customisable % and excess |
| Type of coverage (accident, illness, both, etc.) | Both accident and illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | 70%, 80% or 90% (customer choice) |
| Annual reimbursement limit | $30,000 per pet per year |
| Deductible (annual or per claim) | Customer chooses; once per condition for pet's lifetime |
| Age limits for enrollment (for dogs and cats) | Not communicated (N.C.), generally 8 weeks+ |
| Pre-enrollment health questionnaire | Not communicated (N.C.) |
| Waiting period (illness) | 30 days |
| Waiting period (accident) | 2 days |
| Lifetime coverage once subscribed | ✅, if continuous and condition not pre-existing |
| Vet consultations (regular + emergency) | ✅, for covered diagnoses |
| Medications | ✅, prescribed for covered event |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | ✅, accidental or illness, strict conditions; no routine care |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅, 1 course acupuncture/laser per diagnosis by vet; others excluded |
| Travel coverage (countries included, duration) | Only AU-registered vets; N.C. for overseas trips |
| Civil liability | ❌ |
| Euthanasia | ✅, medically necessary for covered events |
| Death & cremation coverage | ❌ |
| Theft or loss of pet + search expenses | Social media search push included; direct financial coverage: ❌ |
| Boarding fees (if owner is hospitalized) | ✅, up to 2 weeks at licensed kennel/cattery |
Coverage Details and Discounts
Pre-existing conditions (including those with past symptoms) are never covered, but waiting periods may be waived after a health review at sign-up if no issues are found.
No annual or condition-specific sub-limits—$30,000 is the only annual cap, supporting cover for serious or ongoing secondary issues.
Claims can be paid straight to your vet if enabled, and a 5% multi-pet discount is available.
Exclusions Fetch
Pre-existing conditions are strictly excluded—including any symptoms, illness, or injury present before policy start or during the waiting period, as well as any related hereditary or congenital issues.
Routine care and preventives (such as vaccinations, parasite control, grooming, and routine dental work) are never covered, which is typical but comprehensive given Fetch’s focus on vet-only medical events. Notably, breeding and reproductive care, elective/cosmetic surgery, and experimental or unproven treatments are all excluded, as are pets used for commercial or working purposes, and any restricted or banned breed.
All care must be by a registered vet within Australia unless specifically agreed, and claims arising from negligence, non-compliance with vet instructions, or significant events (riot, war, pandemics) are not payable. Unlike some competitors, Fetch provides no cover for accidental loss, theft, civil liability, or death/cremation costs.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Routine/preventive care |
|
| Treatment-type exclusions |
|
| Identification & admin |
|
| Breeding & reproduction |
|
| Elective/cosmetic exclusions |
|
| Geographic exclusions |
|
| Legal & restriction-based |
|
| Loss & liability |
|
| Cloning/genetic |
|
- Pre-existing conditions (illness, injury, symptoms or related conditions before policy or during waiting period)
- Hereditary/congenital linked to a pre-existing
- Chronic/ongoing if pre-existing
- Behavioural disorders with prior history
- Certain dental conditions without annual dental check and care
- Negligence or non-compliance with vet
- Routine check-ups
- Vaccinations and boosters
- Parasite prevention (cost/product)
- Bathing, grooming, clipping, coat/shampoo, de-matting
- Dental cleaning/polishing/X-rays
- Microchipping, registration
- Experimental/innovative procedures not recognised
- Stem cell therapy (except osteoarthritis)
- Cancer vaccines (except for osteoarthritis)
- General/travel/work checkups
- Prosthetics/devices beyond joint replacement
- Accessories (cages, bedding, leads, bowls, clothing)
- Admin, claim or account fees
- Fertility test/check
- Breeding, pregnancy, birth or complications
- Puppy/kitten care
- Desexing procedure and related complications
- Any cosmetic or elective procedures and complications thereof
- Treatment only valid with AU-registered vets (unless agreed)
- No cover for overseas care except by prior agreement
- Restricted, banned or declared dangerous breeds
- Pets used commercially, for work, or racing/sport/hunting/detection/security/law enforcement/herding
- Illegal acts
- Claims arising from riot, war, terrorism, pandemics, notifiable disease
- No cover for accidental loss or theft
- No search/reward reimbursement (social campaign only)
- No civil liability or responsibility for third party damage
- No death/cremation cost cover
- Cloning, manipulation, storage of genetic material
- Genetic testing costs
Price Fetch
Fetch positions itself as a competitive and comprehensive digital insurer, offering one of the highest annual limits on the Australian market with broad coverage and flexible reimbursement (up to 90%) at the user’s choice.
While premiums are typically above the median compared to basic or mid-range policies, these higher fees are balanced by the lack of sub-limits on conditions, generous ongoing condition cover, and the inclusion of direct-to-vet digital claims. Fetch’s fully app-based management helps reduce some overhead costs and assures rapid claims processing, but its comprehensive approach places it closer to premium products than minimal cover “budget” plans.
As a result, Fetch is best described as a high-value, feature-rich insurer with pricing aligned to premium-level benefits, appealing to owners seeking maximum protection and digital convenience. This approach may cost more than traditional offerings for healthy young pets, but becomes highly cost-effective for those desiring extensive and hassle-free cover as pets age or needs grow.
Compare Fetch plans and find your best price using the table below.
| Fetch (One Plan: Custom %) | |
|---|---|
| Young cat (2–4 yrs) | $33–$48/month |
| Senior cat (7–8 yrs) | $55–$68/month |
| Small breed dog (2–4 yrs) | $41–$63/month |
| Large breed dog (2–4 yrs) | $64–$84/month |
| Senior dog (7–8 yrs) | $92–$109/month |
Fetch Promo Codes
| Fetch Promo Codes | Details |
|---|---|
| Multi-Pet Discount | 5% off per pet |
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much reimbursement can I expect with Fetch?
With Fetch, you can choose your preferred reimbursement rate (up to 90%) and an excess (deductible, only charged once per condition for the life of the pet), making out-of-pocket costs predictable and often significantly lower for expensive incidents.
Canine Cruciate Ligament Surgery Cost Breakdown
Total vet costs: $3,800 (consultation, surgery, anaesthetic, post-op care)
Deductible amount to subtract: $200 (your chosen excess; first and only time for this injury)
Amount reimbursed at 90% after excess: ($3,800 – $200) × 90% = $3,240
👉 You receive a reimbursement of $3,240. Your out-of-pocket cost is $560.
ℹ️ The $200 excess is only applied once for lifetime treatment of this condition with Fetch.
Cat hospitalisation for severe gastroenteritis
Total vet costs: $950 (overnight care, fluids, medication, diagnostics)
Excess already paid for this illness in a previous claim: $0
Amount reimbursed at 90%: $950 × 90% = $855
👉 You receive a reimbursement of $855. Your out-of-pocket cost is $95.
ℹ️ Because you already paid your excess for this diagnosis, no further deductible is taken for future related treatments.
Dental extraction reimbursement (dog)
Total vet costs: $780 (consult, dental X-rays, surgical extraction)
Deductible (excess) to subtract: $200 (first treatment for dental trauma)
Amount reimbursed at 90%: ($780 – $200) × 90% = $522
👉 You receive a reimbursement of $522. Your out-of-pocket cost is $258.
ℹ️ Dental accidents are covered, but routine cleanings are not. Annual dental checks are required for claims approval.
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Fetch stands out for its highly responsive in-app support, giving policyholders access to live chat with pet experts and claims staff any time, including for emergencies.
Direct-to-vet claims via the app are efficient when the clinic is enabled, helping pet owners avoid upfront payments in some cases, though this is not universal across Australia.
There is no dedicated 24/7 veterinary teleconsultation or clinical advice line, which may disappoint owners seeking phone-based immediate guidance for urgent health concerns.
No formal partner vet or clinic network exists, so reimbursement and direct-claim options may vary regionally.
International coverage is not communicated for Australian policyholders, potentially limiting support when travelling with pets outside Australia.
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | Direct-to-vet Fast Claims available at enabled clinics, but no universal upfront payment option. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | iOS/Android app, 4.6+ stars (as of 2024). Allows support chat, claims, tracking, pre-approvals. User-friendly interface. |
| Paperless claims process | ✅ | 100% paperless with instantaneous claim submission and tracking via the app or vet portal. |
| Emergency vet service | ❌ | No 24/7 telehealth or telephone vet support; app chat is not for direct medical diagnosis. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | N.C. | N.C. |
Customer Reviews of Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4/5 (4,762 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Fetch for their pets often mention:
- ✅ An easy and fast claim process directly through the app, with most reimbursements paid out quickly.
- ✅ An attentive and friendly customer service team, with particular appreciation for helpful individual representatives.
- ✅ Transparent policy terms and clear digital communication at sign-up and during claims.
- ✅ The flexibility to tailor coverage percentages and excess according to personal needs.
- ✅ The convenience of managing all aspects of the policy, including support, from within a modern mobile app.
On the negative side:
- A notable number of exclusions related to pre-existing conditions or specific treatments, sometimes leading to surprise claim denials.
- Reports of increasing premiums at renewal, which some owners found difficult to anticipate.
- Occasional difficulties reaching Fetch by phone or resolving issues outside the app environment.
- Automated or “bot”-like responses cited in a minority of support interactions, especially during disputes or complaints.
- Confusion about waiting periods and required documentation for some higher-value claims.
How to Contact Fetch
| Fetch Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Fetch app (including all invoices, vet clinical notes, and payment receipts) or ask your vet to submit on your behalf through the Fast Claims portal. You can also email claims to [email protected]. Once approved, payment is made directly to your bank account. Most claims are processed within 2–5 business days. |
| To obtain a certificate of insurance | Request your certificate via the Fetch app or by emailing [email protected]. Certificates can also be accessed and downloaded directly from your policy portal in the app. |
| To contact assistance | Use live chat through the Fetch app for 24/7 support from customer service and claims advisors. Alternatively, email [email protected]. There is currently no dedicated phone line or postal address for customer assistance. |
| To cancel my policy | Send a cancellation request through the Fetch app or email [email protected]. Include your policy number and full name. No formal notice period required, but cover ends on the notified cancellation date. Written confirmation is sent to you once processed. |
You can also email claims to [email protected].
Once approved, payment is made directly to your bank account.
Most claims are processed within 2–5 business days.
Certificates can also be accessed and downloaded directly from your policy portal in the app.
Alternatively, email [email protected].
There is currently no dedicated phone line or postal address for customer assistance.
Include your policy number and full name.
No formal notice period required, but cover ends on the notified cancellation date.
Written confirmation is sent to you once processed.
FAQ
Dois-je payer les frais vétérinaires à l'avance avec Fetch ?
Fetch exige généralement que vous payiez votre vétérinaire à l'avance, puis que vous soumettiez votre réclamation pour remboursement via l'application Fetch. Cependant, certains vétérinaires participants peuvent autoriser le traitement des réclamations directement via le système Fast Claims de Fetch, ce qui permet à Fetch de payer directement la clinique. Vérifiez toujours à l'avance auprès de votre vétérinaire si cette option est disponible.
Comment puis-je annuler ma police d'assurance pour animaux de compagnie avec Fetch ?
Vous pouvez annuler votre police d'assurance pour animaux de compagnie Fetch à tout moment en envoyant une demande d'annulation via l'application Fetch ou par e-mail à [email protected]. Aucun préavis formel n'est requis, mais vous devez inclure votre nom, votre numéro de police et votre date d'annulation préférée. Si vous annulez dans les 14 jours suivant le début et que vous n'avez pas fait de réclamation, vous obtiendrez un remboursement complet.
Quelles sont les conditions ou les traitements qui ne sont pas couverts par Fetch ?
Fetch ne couvre pas les conditions préexistantes, les soins de routine ou préventifs tels que les vaccinations et la stérilisation, les traitements électifs ou esthétiques, les coûts liés à la reproduction ou les coûts liés aux races restreintes. Certains traitements et accessoires spécifiques sont également exclus, et tous les soins doivent être fournis par un vétérinaire agréé en Australie.
Comment fonctionne la franchise sur une police Fetch ?
Vous choisissez votre franchise lorsque vous souscrivez la police, et elle s'applique une fois par condition pendant toute la durée de vie de votre animal, plutôt qu'annuellement. Cela signifie que vous ne payez le montant de la franchise choisie que pour chaque nouvelle condition, et non chaque année, ce qui peut être avantageux si votre animal développe une maladie à long terme.
Les soins dentaires sont-ils inclus dans le plan d'assurance pour animaux de compagnie de Fetch ?
Les blessures et maladies dentaires sont couvertes si elles ne sont pas préexistantes et répondent aux critères d'admissibilité, tels qu'un contrôle dentaire au cours des douze mois précédents et le respect de tous les soins préventifs recommandés par le vétérinaire. Les examens de routine, les nettoyages et les soins dentaires pour les conditions existantes ne sont pas inclus.
Combien de temps faut-il pour payer les réclamations et comment puis-je les suivre ?
La plupart des réclamations Fetch sont traitées dans un délai de 2 à 5 jours ouvrables une fois que votre documentation est complète. Vous pouvez suivre l'état de vos réclamations, soumettre des documents justificatifs et gérer les détails du remboursement directement via l'application mobile Fetch.
Dois-je payer les frais vétérinaires à l'avance avec Fetch ?
Fetch exige généralement que vous payiez votre vétérinaire à l'avance, puis que vous soumettiez votre réclamation pour remboursement via l'application Fetch. Cependant, certains vétérinaires participants peuvent autoriser le traitement des réclamations directement via le système Fast Claims de Fetch, ce qui permet à Fetch de payer directement la clinique. Vérifiez toujours à l'avance auprès de votre vétérinaire si cette option est disponible.
Comment puis-je annuler ma police d'assurance pour animaux de compagnie avec Fetch ?
Vous pouvez annuler votre police d'assurance pour animaux de compagnie Fetch à tout moment en envoyant une demande d'annulation via l'application Fetch ou par e-mail à [email protected]. Aucun préavis formel n'est requis, mais vous devez inclure votre nom, votre numéro de police et votre date d'annulation préférée. Si vous annulez dans les 14 jours suivant le début et que vous n'avez pas fait de réclamation, vous obtiendrez un remboursement complet.
Quelles sont les conditions ou les traitements qui ne sont pas couverts par Fetch ?
Fetch ne couvre pas les conditions préexistantes, les soins de routine ou préventifs tels que les vaccinations et la stérilisation, les traitements électifs ou esthétiques, les coûts liés à la reproduction ou les coûts liés aux races restreintes. Certains traitements et accessoires spécifiques sont également exclus, et tous les soins doivent être fournis par un vétérinaire agréé en Australie.
Comment fonctionne la franchise sur une police Fetch ?
Vous choisissez votre franchise lorsque vous souscrivez la police, et elle s'applique une fois par condition pendant toute la durée de vie de votre animal, plutôt qu'annuellement. Cela signifie que vous ne payez le montant de la franchise choisie que pour chaque nouvelle condition, et non chaque année, ce qui peut être avantageux si votre animal développe une maladie à long terme.
Les soins dentaires sont-ils inclus dans le plan d'assurance pour animaux de compagnie de Fetch ?
Les blessures et maladies dentaires sont couvertes si elles ne sont pas préexistantes et répondent aux critères d'admissibilité, tels qu'un contrôle dentaire au cours des douze mois précédents et le respect de tous les soins préventifs recommandés par le vétérinaire. Les examens de routine, les nettoyages et les soins dentaires pour les conditions existantes ne sont pas inclus.
Combien de temps faut-il pour payer les réclamations et comment puis-je les suivre ?
La plupart des réclamations Fetch sont traitées dans un délai de 2 à 5 jours ouvrables une fois que votre documentation est complète. Vous pouvez suivre l'état de vos réclamations, soumettre des documents justificatifs et gérer les détails du remboursement directement via l'application mobile Fetch.
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