Fetch by The Dodo Pet Insurance Reviews 2025
By Ben Carter
9.2
Consumers Best Verdict: Fetch by The Dodo Highlights
Fetch by The Dodo (formerly Petplan) leans into broad accident-and-illness protection with flexible deductibles, up to 90% reimbursement, strong dental illness coverage, behavioral and alternative therapies, and virtual vet visit coverage. There’s no vet network—use any licensed vet. Waiting periods and exclusions are standard for the category, and pricing varies by pet and location. If you want coverage that keeps surprises to a minimum, this is one of the most complete picks we’ve tested at Consumer's Best.
Look, after combing through policies, quotes, and a ton of fetch by the dodo reviews, my gut says this plan just delivers where it matters. It’s genuinely comprehensive (yes, including sick-visit exam fees and robust dental), easy to manage in the app, and backed by a brand pet parents actually recognize. It’s not always the cheapest—especially for older, larger breeds—but the depth of coverage and smooth claims experience make the value feel, well, real.
In-Depth Look: Fetch by The Dodo Features & Considerations
Core Features & Consumer Benefits
Here’s what stood out in daily use and policy fine print—minus the fluff.
Truly broad accident & illness coverage
From hereditary conditions to dental disease (every tooth), plus sick-visit exam fees that many plans exclude.
Flexible cost controls
Choose your annual limit, deductible, and reimbursement (up to 90%) to tune premiums without gutting protection.
Any vet, anywhere
No networks to worry about—see your local clinic, ER, or specialist. Virtual vet visits are covered, too, which is clutch on hectic days.
App-first claims that don’t drag
File in minutes, track status live, and get paid by direct deposit. It feels modern—and mostly painless.
Whole-pet add‑ons baked in
Behavioral therapy and alternative treatments (like acupuncture) are included under illness when medically necessary.
Important Considerations & Potential Downsides
- Premiums can run higher
Especially for older pets, large breeds, or high reimbursement/low deductible setups.
- Standard waiting periods and exclusions
Pre‑existing conditions aren’t covered; some orthopedic issues may have longer waits (varies by state).
- Wellness isn’t the core
Routine care (vaccines, spay/neuter, dental cleanings) isn’t covered unless you opt into wellness options where available.
- Rates may rise over time
As pets age and vet costs climb, expect annual price adjustments—common across the industry.
Who Is the Fetch by The Dodo Best For?
Comprehensive planners
You want fewer gotchas and coverage that extends beyond the basics, including dental and exam fees.
High‑risk or predisposed breeds
You’re mindful of hereditary conditions and want a policy built to handle them.
Busy, modern pet parents
You’ll actually use the app, telehealth, and quick direct‑deposit claims on the regular.
Specialist/ER shoppers
You prefer freedom to choose any licensed vet, specialist, or emergency hospital without referrals.
Dental‑care sticklers
You want illness coverage for every tooth—not just injuries—because dental bills add up fast.
Who Might Want to Explore Other Options?
- Wellness‑only shoppers
If you mainly want routine care (vaccines, spay/neuter, cleanings) without illness/accident coverage.
- Ultra‑low budget seekers
If the top priority is the cheapest possible premium over broader protection.
- Pets with multiple pre‑existing conditions
Coverage won’t backdate, so value may feel limited if most issues are already documented.
- Accident‑only minimalists
If you just want catastrophic accident coverage and nothing else.
