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Fetch Pet Insurance Pet Insurance review
Newest brand in the directory — launched 2023, 4.8★ across 493 ProductReview ratings (highest customer rating with meaningful sample in our directory). Pacific International Insurance underwritten. Dental and behavioural cover included as core (not gated behind add-ons) — distinctive structure within the AU pet market.
The short version
Fetch is the newest brand in our directory — launched in 2023 and already winner of the 2025 ProductReview Pet Insurance Provider of the Year award. ProductReview rates it 4.8 / 5 across 493 reviews: highest average rating with meaningful sample size we've measured (BWM 4.5★ has 3,193 reviews; PIA 4.4★ has 2,246; both larger samples but lower averages).
Underwritten by Pacific International Insurance Pty Ltd (AFSL 523921, ABN 83 169 311 193) — same underwriter as RSPCA, Knose, Petsy and PetsOnMe. The PII family is the second-largest in our directory after PetSure. Fetch is the most recent brand to launch under that chassis.
Distinctive structure: dental cover is included as core (not an add-on or routine-care bundle), behavioural cover is included as core, and limited alternative therapy (one course of acupuncture or cold-laser per year) is in the base plan. No routine-care add-on exists at all — Fetch explicitly excludes vaccinations, microchipping, grooming and parasite control. Up to $30,000 annual benefit. Customers choose cover % and excess at quote time.
Score breakdown
v1.1 of the Insu Score weights four components. Fetch Pet Insurance scores well on the dimensions covered; affordability is pending until our premium estimator launches.
Up to $30,000 annual benefit (matches BWM Total Care $20k–$25k, beats HCF $12k and Guardian $12k). Dental and behavioural cover included in core plan — distinctive within the AU pet market where both are typically add-ons. Alternative therapy limited to one course of acupuncture or cold-laser per year. No routine care add-on at all (vaccinations, microchipping, grooming, parasite control all excluded). Distinctive extras: Lost Pet Support social campaign, Emergency Boarding up to 2 weeks if owner hospitalised, prosthetics covered.
TBD — quote sample not yet captured at the standard $15k / 80% reimbursement / $200 excess benchmark. Fetch markets on competitive pricing and configurable cover % + excess $. Specific configuration options aren't surfaced outside the quote flow, so reimbursement % and excess $ tiers will need to be sampled at the same time as price.
APRA-authorised Pacific International Insurance Pty Ltd (AFSL 523921). Same underwriter family as RSPCA, Knose, Petsy and PetsOnMe — the second-largest underwriter cohort in the AU pet market after PetSure. Loses 3 points: 1 for the Pacific International family's smaller AU footprint vs PetSure's, 1 for brand-level newness (Fetch launched 2023, less than 3 years of operating history), and 1 for the smaller AU brand portfolio (4 PII pet brands vs PetSure's 8+).
4.8 / 5 across 493 ProductReview ratings — highest customer rating in our directory at meaningful sample size. Volume puts it ahead of HCF (72 reviews), Kogan (2 reviews), Buddy (37 reviews) and most other mid-volume brands. Trust signals: 2025 ProductReview Pet Insurance Provider of the Year award. Sentiment distribution 94% positive vs 6% negative. Reviews consistently highlight rapid claim processing and responsive support.
Fetch lands at 54/100 partial. Coverage 33/45 ($30k flex cap, dental + behavioural in core, but no routine care add-on at all and limited alternative therapy) + Trust 12/15 (Pacific International family, but brand only launched 2023 so 2-year cohort track record) + CX 9/10 (4.8★ across 493 reviews — highest in directory with this sample size). Affordability TBD — Fetch markets on competitive pricing but specific configuration options aren't published outside a quote flow. How the score is calculated →
Coverage features audit (current PDS)
The 8 features feeding the Coverage Depth score, with the actual values from the current Fetch Pet Insurance Product Disclosure Statement (dated verify in current PDS at fetchpet.com.au).
| Feature | Fetch Pet Insurance value | Score |
|---|---|---|
| Annual benefit limit | Up to $30,000 per 12 months. Matches Bupa Signature Cover $30k top tier, sits above Knose / Petsy / Budget Direct ($25k Plus), and well above HCF / Guardian ($12k). | 6 / 8 |
| Reimbursement % | Configurable — customer chooses cover % at quote time. PDS example references 90% cover. Specific tier options (e.g. 70 / 80 / 90) not published outside the quote flow. | 5 / 8 |
| Excess flexibility | Configurable — customer chooses excess $ at quote time. Specific dollar amounts not published outside the quote flow. | 3 / 5 |
| Dental cover | Included as core cover (not gated behind an add-on or routine-care bundle). Eligibility conditions: no history of dental or periodontal disease before joining; vet dental check within 12 months of claim; recommended treatments completed. Routine cleanings, X-rays and fractured/missing teeth (without injury) excluded. | 4 / 5 |
| Behavioural cover | Included as core cover for diagnosed behavioural disorders, provided by your vet. Conditions: no prior behavioural history; pet's basic needs being met (training, exercise, nutrition, housing, care). Distinctive within AU pet market — typically gated behind PetSure-family Booster Care add-on or excluded entirely (Budget Direct, Petsy, PetsOnMe). | 4 / 5 |
| Alternative therapy cover | Limited — one course of acupuncture or cold-laser therapy performed by your vet, plus physiotherapy and hydrotherapy when vet-recommended. Homeopathy, naturopathy, osteopathy, chiropractic, massage and Bowen therapy explicitly excluded. | 2 / 5 |
| Routine care add-on | Not available at all. Vaccinations, parasite control, grooming, microchipping explicitly excluded. Most distinctive structure in the directory — no path to wellness/preventative cover. | 0 / 5 |
| Bilateral condition flexibility | Standard bilateral condition restriction per industry norm — pre-existing on one side excludes the other. Specific waiting periods: cruciate ligaments, patellar luxation, hip dysplasia, elbow dysplasia, BOAS, cherry eye all 90 days. | 1 / 5 |
| Pre-existing condition review | Fast Claims setup allows medical-history assessment to clarify pre-existing exclusions upfront. Formal review or appeals process not documented in the PDS. | 2 / 4 |
Source: Fetch Pet Insurance Combined Financial Services Guide and Product Disclosure Statement (PDS document fetch-pet-pds-current, dated verify in current PDS at fetchpet.com.au). Last read by Insu: 2026-05-16. Verify current values at www.fetchpet.com.au/pds/cover before purchasing.
What we liked
- Dental and behavioural cover included as core — not gated behind add-ons (BWM/PIA/Bupa/Buddy/Medibank all gate dental to Booster Care)
- Highest customer rating in the directory with meaningful sample: 4.8★ across 493 ProductReview ratings, 94% positive sentiment
- Won 2025 ProductReview Pet Insurance Provider of the Year — independent third-party recognition
- Distinctive extras: Lost Pet Support social campaign to 5,000 in postcode, Emergency Boarding up to 2 weeks if owner hospitalised, prosthetics covered (hip / elbow / knee replacements)
- Up to $30,000 annual benefit matches Bupa Signature Cover top tier and beats most other PetSure-family brands
What to think about
- No routine care add-on at all — vaccinations, parasite control, microchipping, grooming all excluded. Most restrictive on preventative care in our directory.
- Brand only launched 2023 — less than 3 years of operating history vs decade-plus brands like PIA, BWM, Petplan
- Reimbursement % and excess $ options not published outside the quote flow — harder to comparison-shop without going through quote
- Alternative therapy limited to one course of acupuncture or cold-laser per year — narrower than Bupa's Booster Care bundle (physiotherapy + chiropractic + acupuncture + hydrotherapy)
- Pre-existing condition review pathway is informal (Fast Claims medical history assessment) rather than the 18-month temporary-condition framework used by BWM / PIA / Bupa / RSPCA
Same underwriter as 4 other AU brands
Fetch Pet Insurance is underwritten by Pacific International Insurance Pty Ltd. Pacific International also underwrites these pet insurance brands:
Same underwriter doesn't mean identical product — pricing, benefit tiers, and add-ons vary by brand. But your claim is paid by the same company regardless of which logo is on the policy. More on the Pacific International family → (coming soon)
Affordability — coming soon
The Insu premium estimator is being built using a combination of PDS-published rate tables and manual benchmark quote sampling. Once it launches, this section will show:
- Fetch Pet Insurance's premium for the standard 3-year-old Labrador Sydney 2000 benchmark
- Where that premium sits in the percentile ranking across all 19 AU pet insurers
- Variations for older pets, regional postcodes, and cat scenarios
In the interim, the most accurate way to get a real Fetch Pet Insurance quote is direct from their site (no obligation, no signup required for the quote itself).
Get a Fetch Pet Insurance quote
Direct quote from the insurer. Newest brand in the AU market with the highest customer rating in our directory.
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PDS read: 2026-05-16 · ProductReview data captured: 2026-05-16 · Underwriter status verified: 2026-05-16 · Insu Score version: v1.1