Fetch Pet Insurance Review

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

Fetch is a Finder Awards winner!

The Fetch Pet Insurance won Best Comprehensive Pet Insurance in the 2026 Finder Awards.

Full list of 2026 winners

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.

How much does Fetch pet insurance cost?

To help give you an idea about Fetch pet insurance costs, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

• See how we got these annual prices

  • 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:

1. Initiate the claim. Open the Fetch app on your device, navigate to the "Treatments" section, and select the option for a "New Claim."
2. Identify the provider. Input the details of the veterinary clinic where your pet received treatment.
3. Data collection. Once the claim is initiated, the insurer contacts the veterinary clinic directly to request the necessary tax invoice and clinical history.
4. 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

• What are the waiting periods for Fetch pet insurance?

  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.

• Does Fetch cover routine care?

  No. Fetch doesn’t cover routine care and grooming. This includes bathing, grooming, clipping, de-matting and coat treatments.