Fetch Pet Insurance Review

Yes, Fetch provides comprehensive coverage for brachycephalic obstructive airway syndrome (BOAS) and related breathing issues including surgical correction. There's a waiting period of up to 15 days, so enroll before symptoms develop to ensure coverage.

Fetch's decades of experience with French Bulldogs means they understand the breed's health patterns and common conditions. This translates to more predictable coverage decisions, fewer claim surprises, and better understanding of appropriate treatments.

Yes, Fetch covers hereditary and congenital conditions including hip dysplasia, breathing disorders, spinal issues, and eye problems. These conditions must develop after your coverage begins to be eligible for benefits.

Unlimited coverage eliminates concerns about hitting annual caps during expensive treatment years. French Bulldogs can easily require $15,000+ in treatment annually for multiple conditions, making unlimited coverage particularly valuable.

Wellness coverage must typically be added when you first enroll. Check with Fetch about adding wellness benefits to existing policies, as options may vary by state and policy type.

Fetch has waiting periods of up to 15 days for both accidents and illnesses, and varying periods for orthopedic conditions depending on your dog's age at enrollment. These standard periods make early enrollment important for maximum coverage.

French Bulldog premiums with Fetch typically range from $30-$70 per month depending on your coverage tier, deductible, and reimbursement rate. The 70% reimbursement plan with a $10,000 annual limit starts around $30/month, while unlimited coverage at 90% reimbursement runs closer to $70/month. Adding a wellness plan adds another $20-30/month. Your dog's age and your geographic location also affect pricing. Fetch isn't the cheapest option for Frenchies, but the included telehealth, dental, and behavioral benefits offset some of that cost difference.

Fetch is worth it if you want comprehensive, all-inclusive coverage and can absorb the higher premiums. The included telehealth ($1,000/year), dental coverage, and behavioral therapy add up to significant value that other insurers charge extra for — or don't offer at all. For a breed that needs as much ongoing care as the French Bulldog, those inclusions matter. If budget is your primary concern, you'll find lower premiums elsewhere, but you'll likely be paying for add-ons to match Fetch's standard coverage.

Yes. Fetch covers BOAS surgery including soft palate resection, stenotic nares correction, and laryngeal saccule removal. Diagnostic evaluation and post-operative care are also covered. BOAS surgery typically runs $3,000-$6,000, so this coverage alone can more than pay for a year of premiums. The waiting period of up to 15 days applies, so enroll before any breathing symptoms appear.

Fetch excludes pre-existing conditions (with limited exceptions for curable conditions), breeding and pregnancy expenses, elective and cosmetic procedures, and anything that occurs during the waiting period. Wellness and preventive care require the optional add-on. There are also standard bilateral condition exclusions — if one side is affected before coverage, the other side won't be covered for the same condition.

Yes, you can cancel Fetch at any time. There are no cancellation penalties. If you cancel mid-billing period, you may receive a prorated refund depending on the terms. However, keep in mind that if you cancel and re-enroll later, any conditions that developed during your first policy period will be considered pre-existing and won't be covered. For French Bulldogs, who develop new conditions regularly, gaps in coverage can be costly.