Fetch offers a simple single pet insurance policy with a high claims limit.
Pros
Claim up to $30,000 every year - that’s more than the majority of insurers.
Claims paid direct to your vet - so you’re not out of pocket a lot.
24/7 access to vet advice
Cons
There may cheaper policies elsewhere but they’ll be less comprehensive.
It's a relatively new insurer so we can't say how good (or bad) its customer service is yet.
Compare pet insurance from Fetch
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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
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Why choose Fetch pet insurance?
Fetch has a number of perks included in its pet insurance policies that could be right for you. These include:
High annual limit with no sub-limits. With Fetch, you get a $30,000 annual cover limit, and unlike most other pet insurance providers, there are no sub-limits on specific conditions like cruciate ligament surgery, tick paralysis, or vet consultations.
Skip waiting periods. Fetch allows you to skip standard waiting periods by following a simple in-app process and uploading a quick video of your pet to prove they are healthy, meaning you can get covered straight away.
Claims paid direct to your vet. Fetch can check your cover before treatment and pay your vet directly in real-time. You only need to pay your chosen contribution in the app, preventing you from being heavily out of pocket.
24/7 vet support. You receive access to a team of veterinary professionals day or night. You can chat with them directly through the app or call their 24/7 line for emergencies.
Choice of cover and excess. You can customise your plan depending on how much you want to spend on premiums and treatments, with options to have up to 80% or 90% or 100% of eligible vet bills covered or to choose a $0 excess.
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How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What isn't covered by a Fetch policy?
To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions you will find with a Fetch pet insurance policy:
Pre-existing conditions
Deliberate acts, negligence, or a lack of care
Not following your vet's instructions
Routine care and vaccinations (e.g., general dental checks, grooming, microchipping, preventative parasite control)
Desexing and breeding costs
Elective and cosmetic procedures
Experimental treatments, open heart surgery, organ transplants, and genetic testing
Pet accessories, administration fees, and food for general feeding or weight management
Costs after your pet's death, such as cremation or post-mortem examinations
Claims caused by epidemics, pandemics, notifiable diseases, or illegal acts
Fetch does not offer routine care benefits as part of their insurance cover. However, if your pet has a separate healthcare plan directly from their vet, Fetch will work alongside it by covering the remainder of your pet's eligible treatments after those healthcare plan benefits (like consults or discounts) have been applied.
How to submit a Fetch Pet Insurance claim
Claims can be processed through the Fetch mobile app. The following steps outline the procedure for submitting a claim:
Initiate the claim. Open the Fetch app on your device, navigate to the "Treatments" section, and select the option for a "New Claim."
Identify the provider. Input the details of the veterinary clinic where your pet received treatment.
Data collection. Once the claim is initiated, the insurer contacts the veterinary clinic directly to request the necessary tax invoice and clinical history.
Finalise payment. If the clinic supports direct payments and the policy's pre-existing condition check is complete, the insurer calculates the covered amount. You are then required to pay your portion (gap) via the app, after which the insurer settles the remaining balance with the vet. Alternatively, if the vet does not support direct billing, the insurer reimburses you for the covered amount after the invoice has been paid in full.
Frequently asked questions
Typically, waiting periods are 2 days for injuries and 30 days for illnesses. Cruciate ligament issues are covered after 90 days. However, if you send them a new 15-second video with audio, allowing them to see that your pet has no illnesses or injuries, they let you skip the waiting periods.
No. Fetch doesn’t cover routine care and grooming. This includes bathing, grooming, clipping, de-matting and coat treatments.
A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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Hi I’ve got a little jack Russel her birthday 04/06/2015 we are currently with bow wow meow I called to up grade as we are now only coved for accidental Care, who can you suggest to swap with wanting full cover including dental either 80% cover or low excess around the $100 a month kind regards cindy
Does Fetch Pet Insurance include any Legal Liability cover?
Finder
SarahDecember 14, 2023Finder
Hi Andrew, No, Fetch advises that their pet insurance product may not be suitable for those who wish to seek cover for third-party/legal liability as this is not offered as part of their policy at this time. Hope this helps!
Find out what each of the 3 levels of pet insurance from Everyday covers.
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Hi I’ve got a little jack Russel her birthday 04/06/2015 we are currently with bow wow meow I called to up grade as we are now only coved for accidental Care, who can you suggest to swap with wanting full cover including dental either 80% cover or low excess around the $100 a month kind regards cindy
Hi Cindy, As you have an older dog, I’d recommend checking out insurers on our list of brands that cover older dogs. Some of these do have plans within that price range. Good luck!
Does Fetch Pet Insurance include any Legal Liability cover?
Hi Andrew, No, Fetch advises that their pet insurance product may not be suitable for those who wish to seek cover for third-party/legal liability as this is not offered as part of their policy at this time. Hope this helps!