Fetch Pet Insurance Pennsylvania Review

From Pet Insurance Wiki · last updated 14 Oct 2026 from public rate filings

Part of the Fetch review · Pet insurance in Pennsylvania

Fetch inPAPennsylvaniaChange state
This page is a draft: we have not read Fetch's Pennsylvania rate pages yet, so it has no price and only partial scores. Figures may be corrected; see the history.

Fetch is administered by Fetch Insurance Services, LLC and underwritten in Pennsylvania by AXIS Insurance Company.

Coverage

From Fetch's Pennsylvania disclosure (as of 12 February 2026). Accidents and injuries from an unexpected event have no waiting period; illness and injuries from normal activity wait 15 days, waived by a full vet exam within the first 15 days; orthopedic conditions not caused by an accident wait 30 days (knees can be cleared by an exam within 30 days). Unlike Fetch's California form, there is no 180-day lifetime orthopedic exclusion in the Pennsylvania disclosure. A curable condition seen in the 365 days before the policy, in the waiting period or at the first exam is excluded for 365 days, for another 365 if it recurs, and for life if it recurs again. Premiums may rise and cover may be reduced based on the pet's own claim history, as well as location, age and breed. Without a first exam within 12 months before or 30 days after the start, cover may be reduced. Claims must be filed within 90 days of treatment.

Scores in Pennsylvania

Without rate pages there is no lifetime cost, so Fetch is not ranked in Pennsylvania. Scales with data:

A. Lifetime costno data
B. Age curveno data
C. Generosity (loss ratio)no data
D. Rate increasesno data
E. Price structureno data
F. Customer treatmentno data
Coverage (separate)no data

Price by age

Rate pages for Fetch in Pennsylvania are not public or not yet read, so there is no price by age.

Rate filings

No filings recorded yet.

References

  1. 1.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

  1. Clarified the California loss ratio: the 1.126 development factor applies to losses only (1.000 for defense and cost-containment expense), which gives 61.8%
  2. Added BBB and Trustpilot ratings checked on 13 October 2026
  3. Corrected the California loss-ratio statement: the +12.9% was set on the rate template's adjusted ratios (74.8%, 71.8%, 74.5%) for years ending 30 June, not on the raw 55-65% ratios. Marked the rate manual and the optional exclusion endorsements as California sources, clarified the prior-claims thresholds, the deductible options and the Florida 50-claim rule, and removed the pro about puppies and the age-at-inception factor.
  4. First published from California filing 25-2417 and the Florida sample policy GPTM 050 FL 1125 A