Claims

How does the claims submission method work?

Q: How does the claims submission method work?

1. What you need. There are two types of documents you need to submit a claim: A finalized invoice from your vet showing what your pet was treated for and how much you were charged. An invoice has to show a zero balance or that it was paid in full in order for us to accept it. Detailed medical records from your pet’s most recent checkup (a vet visit unrelated to your pet getting sick or hurt). Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly. NOTE: If you're not sure if you have the right medical records, ask your vet for “SOAP notes.” The records you receive should include any exam notes and lab results. 2. How to submit your claim. To submit your claim, either click here [deep link] or follow these instructions: Make sure you’re logged into the app or your online account. Go to Claims. Go to Submit a claim. Follow the instructions in the claim form 3. What happens next? Claims are typically processed within 15 days from when we receive all your documents. We’ll email you with updates, so keep an eye on your inbox. And be sure to set up direct deposit now if you haven’t already — it gets you paid back 5-10 days faster than checks do.

1. What you need

There are two types of documents you need to submit a claim:

A finalized invoice from your vet showing what your pet was treated for and how much you were charged. An invoice has to show a zero balance or that it was paid in full in order for us to accept it.

Detailed medical records from your pet’s most recent checkup (a vet visit unrelated to your pet getting sick or hurt). Medical records show us your pet’s medical history and let us see what we can cover, which allows us to process your claim quickly.

NOTE: If you're not sure if you have the right medical records, ask your vet for “SOAP notes.” The records you receive should include any exam notes and lab results.

2. How to submit your claim

To submit your claim, either click here or follow these instructions:

Make sure you’re logged into the app or your online account
Go to Claims
Go to Submit a claim
Follow the instructions in the claim form

3. What happens next?

Claims are typically processed within 15 days from when we receive all your documents. We’ll email you with updates, so keep an eye on your inbox. And be sure to set up direct deposit now if you haven’t already — it gets you paid back 5-10 days faster than checks do.

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This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

How does the claims submission method work?

Fetch pays back up to 90% of unexpected vet bills

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