This content was reviewed by our licensed insurance agent, Michelle Schenker.
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Fetch by The Dodo and Pets Best are two of the best pet insurance companies, offering excellent coverage, competitive prices, and easy claim repayments. So how do you choose between the two?
As always, be sure to get your own quote to get an idea of what each will cost you. Additionally, consider the criteria we include in this comparison.
|Customer Service & Reputation||Uncertain, New||Good|
|Claim Processing Average||12-22 Days||7-14 Days|
|Price Of Policy||Varies||Lower on Average|
|Plan Customizations||Many Options||Many Options|
|Visit Website||Visit Website|
The table below shows specifically what Fetch and Pets Best cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
|Illness Waiting Period||15 Days||14 Days|
|Accident Waiting Period||5 Days||3 Days|
|Hip Dysplasia Waiting Period||6 Months||14 Days|
|CCL Surgery Waiting Period||6 Months||6 Months|
|Wellness Care For An Extra Fee|
|Exam Fees||Extra Fee|
|Underwriter||XL Specialty Insurance Company||American Pet Insurance Company|
|A.M. Best Rating||A+||Unrated|
Both Fetch and Pets Best offer exceptional coverage. Fetch doesn’t offer a wellness plan, but it provides coverage for more unique things like virtual vet visits, advertising and paying a reward for a stolen or lost pet, and more. Meanwhile, Pets Best offers an optional wellness plan, and you can choose whether or not you want to pay extra for exam fee coverage or not.
The biggest concern with Pets Best is that its underwriter is unrated by A.M. Best (a measurement of financial stability), which means it’s considered higher risk than a company like Fetch, whose underwriter has an A+ rating from A.M. Best.
Overall, we feel this category is a tie. If wellness coverage is essential for you, then we recommend Pets Best. However, if it isn’t as important to you and rather have coverage for more unique items like virtual vet visits, then we’d recommend Fetch.
Fetch has only been a consumer option since January 2022, the former brand name went through an underwriter change in 2016 that resulted in sharp price increases and upset customers. It’s not uncommon to see price adjustments when an insurance company switches underwriters. The company received a lot of negative backlash with this change. However, it has mostly bounced back since then, and negative reviews have subsided, but we will be interested to see how the rebranding and new partnership with The Dodo affect customers.
As for Pets Best, it has many negative reviews regarding a prolonged claim processing timeline. This is because Pets Best has received an influx of customers (due to its excellent coverage and low prices), which has caused an increase in claims. Unfortunately, Pets Best hasn’t been able to keep up with all the filed claims, which has delayed many repayments and caused some negative backlash from customers.
Because the majority of Pets Best’s claims are about a longer claim process, we choose it as the winner for this category because we hesitate to award a win to a company currently going through a major change (Fetch rebrand).
Customer Service & Reputation Winner: Pets Best
Fetch average 22 days for claim processing. However, if you opt for direct deposit, they may get your money back to you 5-10 days sooner. Fetch used to have a shorter claim processing average (around five days) but is experiencing delays due to COVID-19.
Pets Best used to average claim processing in eight or fewer days, but they’ve fallen behind over the last two years due to a higher volume of customers. Now, their averages are 7-14 days.
Pets Best has a vet direct pay option, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement. However, this may not be available everywhere, so check with your vet to see if this is an option for you. Fetch doesn’t offer a vet direct pay option.
Claim Processing Winner: Pets Best
Neither company has one-time fees, and Fetch has no transaction fees, while Pets Best charges $2 per transaction. Below are some quotes we pulled in January 2022. All information is for pets with no pre-existing conditions. Quotes for Pets Best are for their most popular plan, Plus.
|Breed||Birthday||Gender||Location||Deductible||Reimbursement %||Annual Payout||Price Per Month|
|Fetch||Labrador Retriever||April 2017||Female||California (90024)||$250||80%||$5,000||$163.70|
|Pets Best||Labrador Retriever||April 2017||Female||California (90024)||$250||80%||$5,000||$82.28|
|Fetch||40 lb Mixed Breed||January 2015||Female||Illinois (60604)||$500||70%||$15,000||$103.97|
|Pets Best||40 lb Mixed Breed||January 2015||Female||Illinois (60604)||$500||70%||Unlimited||$43.20|
|Fetch||American Pit Bull Terrier||July 2021||Male||New York (10012)||$300||80%||Unlimited||$81.65|
|Pets Best||American Pit Bull Terrier||July 2021||Male||New York (10012)||$250||80%||Unlimited||$80.19|
Pets Best almost always came out less expensive than Fetch in the quotes we’ve run. However, remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost you. You can use our pet insurance quote form to get started. To see more quote comparisons, take a look at our pet insurance comparison page.
Price Of Policy Winner: Pets Best
Fetch offers the following discounts:
- 10% off the first year for new customers
- Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
- 15% off for each consecutive 12-month period without a claim
- 10% off premiums for Walmart shoppers
Pets Best offers the following discounts:
- 5% off for multiple pets
- 5% off for military members and their families
Pets Best offers two annual payout options: $5,000 or unlimited. You can also choose your reimbursement level of 70%, 80%, or 90% and deductible of either $50, $100, $200, $250, $500, or $1,000.
Fetch also offers a lot of customizable options. You can choose your annual payout from $5,000, $15,000, or unlimited, reimbursement level of 70%, 80%, or 90% and annual deductibles of $250, $300, or $500.
This category is a draw because both Pets Best and Fetch are among the top pet insurance companies that give you a great deal of flexibility when building your plan.
In the end, Pets Best is the winner because of its low prices and thorough policy coverage. However, if you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Fetch and Pets Best so you can expand your comparison.
Overall Winner: Pets Best
Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details of the most popular pet insurance companies.
If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.Tagged With: Reviewed By Insurance Agent, Vs