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Fetch by The Dodo
Underwritten by XL Specialty Insurance
Fetch (formerly PetPlus) offers one of the most comprehensive pet insurance policies, including vet exam fees and behavioral therapy.
4.2
out of 5
Coverage at a glance
Accident waiting period15 days
Illness waiting period15 days
Orthopedic waiting period15 days
Appeal window90 days
Covers dental illnessYes
Covers hereditary conditionsYes
Covers behavioralYes
Covers exam feesYes
What we like
- ✓Covers vet exam fees
- ✓Sick-visit and behavioral therapy included
- ✓Boarding fees covered for hospitalization
Watch outs
- ✕Premiums increase notably with age
- ✕Slower claims process
How to appeal a Fetch by The Dodo denial
Pick the reason on your denial letter to get a reason-specific playbook tuned for Fetch by The Dodo's policy language and 90-day appeal window.
Insufficient documentation
~75% win rate · low difficulty
Lapsed / inactive policy at time of treatment
~60% win rate · moderate difficulty
Coverage not yet effective / enrollment gap
~55% win rate · moderate difficulty
Curable pre-existing not waited out
~55% win rate · moderate difficulty
Bilateral condition exclusion
~50% win rate · moderate difficulty
Dental illness / dental exclusion
~45% win rate · moderate difficulty
Hereditary / congenital condition exclusion
~45% win rate · moderate difficulty
Not medically necessary / experimental
~45% win rate · moderate difficulty
Out-of-network / non-licensed provider
~45% win rate · moderate difficulty
Specific policy exclusion
~40% win rate · moderate difficulty