Being a pet owner is a big responsibility. The first of many steps is to ensure maximum protection for their fury ones. Factors including unexpected situations/emergencies and expensive procedures that can happen to your pet must be considered for those wondering why it is such a big responsibility. Usually, the aforesaid is what leads people to seek the right insurance. Of course, this sparks interest in the definition of “right insurance.” While definitions might vary from person to person, our editorial team believes one service provider could satisfy pet owners no matter how they perceive insurance. Several non-profits and shelters have even liked them. Curious to see what makes them exceptional? This is where it is fitting to introduce Fetch Forward™.
What is Fetch Forward™?
Fetch Forward™, by The Dodo, claims to provide the most comprehensive pet insurance for cats and dogs. What allegedly sets them apart is their ability to cover what the majority don’t. Even if Fetch Forward™ covers similar expenses, their rates are much more affordable than the leading provider. Fetch Forward™ is in this business to help pet owners and their furry friends reach happiness, achieve wellness, and live their best lives. Taking everything into account, let’s talk about the features provided by Fetch Forward™.
Here are a couple of words from Fetch Forward™:
“At Fetch by The Dodo, we take care of people who take care of their pets. Because you don’t need us to take care of your pet […]. You take great care of your pet […]. Fetch is here to take care of you. The human. The holder of all the treats. The collector of all the poops. Because we know you would do anything to keep your pet happy and healthy.”
What makes Fetch Forward™ unique?
First and foremost, Fetch Forward™ appears attractive because of its clarity and transparency. Specifically, they’ve compiled easy-to-understand policies that break down every plan aspect to the greatest of details. Second, most providers charge an enrolment fee but Fetch Forward™ has decided to refrain from such needs.
Next, Fetch Forward™’s straightforward plan summarizes practically everything: physical therapy, hydrotherapy, chiropractic care, and other alternative therapies are offered at no extra charge. This isn’t the case with most providers, as they tend to limit alternative therapies coverage for 12 weeks, leaving pet owners to fork up the rest.
In the context of pets’ teeth, Fetch Forward™ covers all adult teeth, not just canines – and this is rare given that dental coverage is capped at $1,000. This limitation is exactly what makes the former’s plan more comprehensive. The same goes for hospitalization expenses in the form of boarding fees, which Fetch Forward™ covers for a rather extended period.
Another impressive feature is that their experience is multifold; at the time of writing, we are told that Fetch Forward™ works exclusively in the pet industry and already protects over 300,000 pets. From the technological stance, they also have an app that facilitates claim submissions and speeds up payment processes. It is as simple as snapping photos and sending them; the rest is taken care of by the company. Such dedication isn’t always available.
It also doesn’t hurt to know that this brand is welcomed and trusted by no-kill shelters in the U.S. and Canada. These not-for-profits include North Shore Animal League America, Ontario SPCA, Jacksonville Humane Society, Brandywine Valley SPCA, Humane Society Tampa Bay, and No Kill South Carolina. If individuals have another provider in mind, they can see how Fetch Forward™ compares by visiting here.
What does Fetch Forward™ offer?
Currently, pet owners have the option between:
Fetch Dog Insurance
The Fetch Dog Insurance helps pet owners cover vet bills when a pup is unwell or hurt. Pet owners can anticipate coverage for everyday expenses and hereditary conditions linked to breed, injury, and disease through this insurance. Up to 90% of unexpected vet bills, including prescription medications, virtual and office visits, hospital stays, physical therapy, surgeries, scans, blood tests, ultrasounds, vomiting, gum disease, aggression and separation anxiety, and cancer treatments, will be reimbursed. These are just some of the treatments that you may be reimbursed for.
To simplify things, the coverage excludes pre-existing conditions. Specifically, we are referring to cosmetic or elective procedures and anything related to routine and preventative care (i.e., spraying, neutering, teeth cleaning, flea and tick protection, and vaccines). To get started, pet owners will need to wait up to 15 days for the coverage to kick in. Once it does, the following steps include using any veterinarian in the U.S. or Canada, submitting the claim, and getting re-compensated.
Fetch Cat Insurance
Like the Fetch Dog Insurance, we have a version for cats that cover similar tests and expenses to those that dogs might face. Once again, neither pre-existing conditions nor routine and preventative care is covered. The procedure to get started with Fetch Cat Insurance is also the same; pet owners pick a veterinarian of choice, wait for 15 days, and start submitting claims.
Frequently Asked Questions (FAQS)
Can you get pet insurance before surgery?
Yes, pet owners can choose to get pet insurance before surgery, but this isn’t practical. The reason for this is that the condition requiring surgery, in this case, would be classified as a pre-existing condition. So, it won’t be covered by Fetch Forward™. This doesn’t mean that other expenses will not be covered, but to be specific, it is best to consult customer support.
What is a pre-existing condition?
A pre-existing condition is “anything that happens before you enroll or during the waiting period.”
What is the waiting period for Fetch Insurance?
The waiting period is 15 days, which begins the day after enrolment. Here are a few points to be mindful of regarding the waiting period:
- Injuries and illnesses that occur after the waiting period is over will only be covered
- Claims submitted during the waiting period will be rejected
- Any damage or disease that occurs during the waiting period will be considered a pre-existing condition
- There’s a 6-month waiting period before injuries of the hips and knees can be covered
- The waiting period can be waived if a vet examines a pet and explicitly state that the pet’s condition is not a “pre-existing” one.
How is the pricing for the Fetch Dog and Cat Insurance decided?
Fetch Forward™ uses a patent-pending tool to determine the most accurate pricing based on a pet’s breed, age, and location.
How long will it take to get paid from Fetch Forward™?
Fetch Forward™ will reimburse up to 90% of any unexpected vet bills in as little as two days via direct deposit.
What do you need to get started with a claim’s submission?
First, pet owners must submit a finalized invoice showing what a pet was treated for and the amount charged. This invoice must show a zero balance or that it was paid in full for Fetch Forward™ to reimburse it. Second, claim submission must include detailed medical records from a pet’s most recent checkup. This is imperative for the company because it outlines a pet’s medical history and allows the team to assess what they can cover.
How to submit a claim?
To submit a claim, pet owners must log into their respective accounts, go to Claims, click Submit a claim and follow the listed instructions.
Is there a way to track claims?
By clicking Claims within one’s account, the account holder can click on each claim submitted to review the status. When ready, these details will be sent directly to one’s inbox.
What comes after submitting a claim?
Fetch Forward™ will actively email pet owners with updates. In the meantime, the necessary direct deposit setup must be established. Failing to do this promptly will lead to the use of cheques, which usually take longer to receive.
Who is the best person to contact regarding any questions or concerns?
For any questions or concerns regarding Fetch Forward and the services covered, customer support can be contacted in one of the following ways:
- Email: info@fetchpet.com.
- Phone: 1 (866) 467 3875
- Mailing Address: PO Box 1489, Bolingbrook, IL 60440
- Office Address: 101 Greenwich Street, New York, NY 10006
How much does Fetch Forward™ cost?
It depends on the insurance at hand. Currently, the pricing has been structured in the following way:
- The Fetch Dog Insurance: $35/month for dogs with lower prices for puppies
- The Fetch Cat Insurance: $25/month for cats with lower prices for kittens
Final Thoughts
Our editorial team’s initial impression was positive. The company is clear and transparent in what they do and don’t cover, they’ve made submission processes seamless, their website is welcoming, the prices are fair, and they’ve gone above and beyond in explaining the entirety of insurance through their Fetch Forward Pet Insurance 101 guide. Ultimately, Fetch Forward™ has had the pleasure of serving this industry with over 300,000 pets and pet owners satisfied by their coverage.
There were things we weren’t aware of, and we feel pet owners will appreciate this knowledge, especially new ones trying to understand pet health and protection. Above anything else, this company prioritizes pet owners more than pets. The simple reason for this approach is that pet owners must be fully equipped with foundational tools to keep their pets happy. The chances of attaining wellness without hurting the bank will be slim if they aren’t.
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