Walmart Pet Insurance Review (2022)

When it comes to our pets, we need affordable and trustworthy care options. Luckily, pet insurance is becoming more widely available to pet owners. Walmart, a household brand name and multinational retail corporation, has launched Walmart Pet Care, a comprehensive suite of pet care services and products. Walmart is offering pet insurance coverage in collaboration with Fetch, a trusted provider offering coverage to over 300,000 pets in the U.S. and Canada.

In this Walmart pet insurance review, we will discuss:

  • Pros and Cons
  • Coverage and plan options
  • Pricing
  • Deductibles
  • Reimbursements and annual payout limits
  • State Availability
  • Real customer reviews

Our Review for Walmart Pet Insurance

We give Fetch a 4.1 out of 5 stars for its wide range of coverage options and customer service focus. Along with its inclusive list of covered services, Fetch offers several discounts and incentives to loyal customers. Like all other pet insurance providers, Fetch does have coverage and state limitations which we will discuss below. We have also included reviews from real Fetch customers, so you don’t just have to take it from us.

Pros and Cons of Walmart Pet Insurance

Pros:

  • Competitive pricing and no add-on fees
  • Wide range of discount options
  • Highly rated 24/7 customer service
  • Comprehensive coverage
  • Nearly 20 years of industry experience

Cons

  • Wellness exam requirement
  • No preventative care coverage
  • Only covers dogs and cats

Walmart Pet Insurance Plans and Coverage

As the pandemic caused an influx of new pet owners to enter the market, the need for reliable pet insurance increased. Pet insurance prices have also increased to make up for the rapid rise in vet costs. For this reason, pet owners need to look at a variety of plan options to find the best choice for their furry family members and wallets.

The cost of a Walmart pet insurance plan is based on several factors, such as location and your pet’s breed and age. Below we’ll take a look at pricing for different breeds and ages. 

Plans and Costs

Most providers offer plans with accident-only or accident-illness coverage. The first of these options only covers the cost of unexpected accidents that happen to your pet, such as a broken leg or ingested toy. Accident-illness plans cover any accidental injuries or unexpected illnesses your pet develops. Other providers also offer add-on coverage for therapies, specialist visits, and hospital boarding.

Instead of splitting up coverage, Fetch offers one comprehensive plan that encompasses many of the services other providers charge extra for.

Also, Walmart’s policy through Fetch doesn’t offer add-ons but instead includes additional services automatically. So while some providers charge extra fees for services like physical therapy, these services are already covered by Fetch.

At this time, Fetch doesn’t offer a wellness plan to cover preventative pet care. Wellness plans typically cover up to a certain dollar amount for expected yearly services such as checkups, vaccines, and spaying/neutering procedures. Fetch excludes these services from all plans because they don’t fall under the umbrella of accidental illnesses or injuries.

Samples of Monthly Prices for Four Species/Breeds

To help you better understand the cost of Walmart pet insurance, we’ve compiled samples of monthly premium quotes for a variety of pets. For the quotes, we selected the middle-tier level of coverage, which includes a $300 deductible, $15,000 maximum annual payout, and 80% reimbursement on vet costs.

Factors like your pet’s species, age, breed, and location will affect how much you pay in monthly premiums. Here are sample quotes for a 3-year-old pet in Raleigh, N.C.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan With Vet Fees and Physical Therapy Coverage $44.67 $60.94 $20.16 $20.16

To illustrate how pricing depends on pet age and location, we’ve also generated quotes for a 6-year-old pet in Los Angeles.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan With Vet Fees and Physical Therapy Coverage $211.34 $300.97 $66.96 $66.96

Deductibles

Your annual deductible is the amount of money you’ll pay out of pocket before your insurance starts covering costs. Walmart pet insurance has customizable plan options, allowing pet owners to choose from a range of deductible, maximum coverage, and reimbursement options. 

If reimbursement is important to you, you could choose the minimum deductible option of $250, along with an unlimited annual payout and a 90% reimbursement rate. A plan like this costs about $85 a month but reimburses more if your pet has frequent or costly vet visits. 

Deductibles – $250, $300, or $500.

For incidents occurring during your policy period, you are responsible for a co-pay from which your deductible will be subtracted. If your pet has multiple treatments spanning across policy periods, you will be responsible for the deductibles of each policy. You can apply to increase your deductible at any time. You can apply to decrease your annual deductible once your policy is up for renewal, but only if you did not file any claims during your last policy period.

Preventative Care Limits 

Pet insurance is designed to cover unexpected vet services, but Fetch doesn’t currently cover the preventative care your pet will need every year. It’s your responsibility to pay for services such as checkups, teeth cleanings, and vaccinations for rabies, distemper, parvovirus, etc. Fetch also considers medications like vitamins and parasite preventatives to be preventative care and doesn’t cover them. 

If you’re considering Fetch, it’s important to keep your pet up-to-date on yearly wellness visits. To receive coverage through Fetch, your pet must have undergone a medical exam six months prior to your policy start date or within 30 days after the policy begins. Failure to complete a wellness exam may result in termination of your policy.

Fetch doesn’t cover the following preventative services:

  • Wellness exams
  • Heartworm tests
  • Internal parasite or fecal tests
  • Blood work
  • Vaccines

The services listed above aren’t covered because they are part of your pet’s expected yearly care. Keep in mind that services like blood work and fecal tests will be covered if prescribed by a licensed veterinarian as part of the treatment for an unexpected illness or injury. 

Note that the company plans to start providing preventative care coverage in 2022. According to Fetch’s website, it will begin covering services like spaying/neutering, teeth cleaning, parasite prevention, and more.

Coverage Exclusions

Like all insurance plans, Fetch has exclusions. 

Waiting periods are important to consider when purchasing a pet insurance plan. A waiting period is a time frame policyholders must wait before certain coverages kick in. If your pet gets sick before the waiting period is up, you have to pay the full amount without any reimbursement. Fetch’s waiting periods are 15 days for illnesses and injuries and six months for cruciate ligament injuries

Some incidents may be classified as pre-existing conditions and will be excluded from coverage, even if they occur during the waiting period.

Pre-existing conditions are problems your pet was diagnosed with or symptomatic of prior to the start of your policy. Like all other pet insurance providers, Fetch doesn’t cover the costs of diagnosing or treating pre-existing conditions.

Fetch doesn’t cover routine wellness visits. This exclusion includes annual services like checkups, teeth cleanings, vaccinations, and spaying/neutering.

Lastly, Fetch doesn’t cover procedures like ear cropping, tail docking, declawing, or dewclaw removal. These cosmetic services are excluded from coverage, unless deemed medically necessary by a licensed veterinarian.

In terms of policy exclusions, your best bet is to read the fine print closely. This will help you avoid any insurance claim rejections down the road.

Plan Customizations

You can select deductible amounts of $250, $300, or $500, and annual coverage of $5,000 to unlimited. You can also customize your reimbursement rate for each vet bill, with options ranging from 70% to 90%. Keep in mind that with higher reimbursement rates and lower deductibles, you’ll pay a higher monthly premium. You can pay a lower monthly premium but will have less coverage in the event of a costly vet visit.

Annual limits – $5,000, $15,000, or unlimited.
Payout rates – 70%, 80%, or 90%.

As we mentioned, Walmart pet insurance doesn’t charge for signup fees or add-ons. Instead, it covers a wider range of services, including cancer treatments, hereditary conditions, X-rays, MRIs, and ultrasounds. It also covers sick visits and exam fees, saving you an average of $50 to $250 per visit.

Fetch automatically covers up to $1,000 for the following services*:

  • TeleVet services
  • Behavioral therapies
  • Advertising/reward for lost or stolen pets
  • Hospitalization boarding/kennel fees
  • Vacation cancellation due to pet illness/injury

*These services are covered by Fetch only if prescribed or administered by a licensed veterinarian.

Discounts

If you are looking for discounts, the Walmart pet insurance plan is a good choice. The company offers a 10% discount for: 

  • Shelter and rescue adopters
  • Walmart shoppers
  • AARP members
  • Veterans and active military personnel
  • Support, comfort, and therapy pet owners
  • Veterinarians and vet employees

Fetch offers a Healthy Pet Credit, which takes 15% off your premium for every policy period you go without filing a claim. You can earn this credit for up to two years, for a total of 30% off. You can also save on premium costs by paying quarterly or annually instead of monthly. Walmart pet insurance policyholders are eligible for the 10% customer discount as well as up to $1,000 worth of virtual vet services.

Walmart Pet Insurance State Availability

Pet insurance providers reimburse your pet’s medical expenses after you’ve paid the bill upfront. For this reason, there typically isn’t an issue of vets not accepting certain health insurance plans. However, most pet insurance has state limitations resulting from state laws and licensing agreements. 

As of last year, Fetch works with any licensed vet in the United States and Canada. At this time, Fetch doesn’t offer TeleVet services in New York, New Jersey, and Canada and some partner discounts are unavailable to residents in Florida, Tennessee, and Hawaii. Should any Fetch policy clash with state statutes, the policy will be amended to conform within that state.

If you purchase a policy in New York, New Jersey, or Washington, note that:

  • Waiting periods are five days for injuries and 15 days for illnesses.
  • Wellness exams must have occurred within the 60 days prior to policy onset (as opposed to six months for all other states.)
  • There are no waiting periods for knee and hip problems.

Risk-free cancellation terms also vary by state, so be sure to check your specific policy for any state limitations.

Walmart Pet Insurance Reviews

We dove into real customer reviews to see what Fetch policyholders think of the company.

We found that many customers are extremely satisfied with the level of customer service they received. Most five-star reviews noted that customer service representatives were kind, empathetic, and attentive. Reviewers said the outstanding customer service made up for any issues they encountered with plans or billing.

On the other hand, many policyholders were displeased with cost increases. Unfortunately, price increases are happening nationwide as pet insurance companies raise rates to keep up with the rapid inflation of vet costs.

Below are some real Fetch customer reviews – both positive and negative – so you can see what other pet owners think.

“Have had Fetch for many years and never a reason to use. Suddenly, my almost-10-year-old pup had cancer and required surgery. A relief to know I didn’t have to worry about a huge bill and could make the decision to go ahead and perform the life-saving surgery. Thank you for your timely review and reimbursement.” –Joan, Trustpilot

“My claim was processed quickly and the communication was great. I even got a call after my dog’s surgery to ask how he was doing. Such great customer service!” –Mariana V., Trustpilot

“There are SO many wonderful aspects of this insurance that I honestly do not know where to begin! Customer Service: THE BEST!! You can always speak to a live, “Happiness Manager” (representative); Claims: are processed in a timely manner provided all supporting documentation by the pet parent is sent such as procedures, medicines, necessary treatments, and vet notes.” –Karen C., Trustpilot

“I just had to cancel my plan because I found out Fetch is quadrupling its rates. That’s cost prohibitive for me and I’m sure many other people.” –Claudette B., Trustpilot

Final Thoughts

We hope this Walmart pet insurance review helped you better understand what pet insurance is and how the Fetch policy, in particular, works. Overall, Fetch is good for those seeking customizable prices and comprehensive coverage. It also offers rewarding discounts to deserving customers like military personnel and rescue pet parents. Fetch only covers cats and dogs, so this plan isn’t too helpful for reptile or bird owners. Fetch customers have expressed frustration with price increases, but unfortunately, this issue occurs across the market. The most important thing is always to read the fine print of your policy and compare plan options before purchasing.

Walmart Pet Insurance vs. Competitors

Below you can compare important information on several top pet insurance agencies, including Walmart’s Fetch option. Comparing factors like average monthly premiums, waiting periods, discounts, and technological tools can help you decide on the best pet insurance for your pet and lifestyle. 

Factors Walmart Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1/5 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $35 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $25 $18-$25 $15 $15-$20 $12 $29
Waiting Period 15 days for accidents and illness, 6 months for cruciate ligaments events 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  No 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  No Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating A+ A F A+ A- N/A

About Walmart Pet Insurance

Founded in Rogers, Ark., Walmart is a multinational retail corporation with over 10,500 locations worldwide. Since its inception in 1962, the company has grown to be one of the largest retailers in the world. In addition to discount clothing brands and grocery products, Walmart also offers automotive care, financial programs, and health services. 

As a longstanding provider of pet supplies, Walmart announced the expansion of its pet services suite in November 2020. Through this expansion, Walmart began offering pet insurance, dog walking, and dog grooming services to its 90+ million customers. The company marketed the expansion as a way for pet owners to manage their pet insurance in the same place they purchase pet supplies and get pet prescriptions filled. 

Similar to its insurance partnership with Fetch, Walmart is collaborating with Rover to provide dog walking and pet sitting services. Pet owners can book services with local pet care professionals right in the Rover app. For the partnership, Walmart is offering a $20 gift card when a customer books and completes their first and fifth Rover services.

Walmart Pet Care expanded into the pet health and prescription medication space in 2019 when the company launched Walmart PetRx. This branch of the suite provides customers discounted prices on pet prescriptions, as well as an online pharmacy for convenient shopping. The store is also expanding its in-store veterinary clinics, giving more customers the ability to prioritize their pets while they shop.

Frequently Asked Questions

What are the advantages of Walmart pet insurance?

Fetch allows pet owners to customize their policies with a variety of annual payout, deductible, and reimbursement options. This is a great feature for customers who want options when it comes to monthly premiums. Fetch also automatically covers some services that other pet insurance providers charge extra for. A few more noteworthy perks are the company’s easy-to-use mobile app, 24/7 customer service team, and 30-day risk-free cancellation window.

How do I file a claim with Walmart pet insurance?

You can submit claims online or through the Fetch mobile app. Make sure you have your pet’s medical records on hand. This includes lab results, exam notes, and any other medical documentation from your vet visit. You’ll also need a detailed invoice listing all services and costs from the visit. 

If you have digital copies of your required documents, you can submit these through your member portal online. If you only have physical copies of the records and invoice, you can use the mobile app to scan the documents and submit them there.

Does Walmart offer exotic pet insurance?

At this time, Walmart pet insurance only covers dogs and cats. Some providers offer exotic pet insurance, which covers species such as birds, rodents, reptiles, fish, and more.

Is Walmart pet insurance provided through different companies? 

The short answer to this question is yes. Walmart partnered with Fetch, a longstanding pet insurance provider, to expand into the pet insurance industry. Fetch itself is administered by Fetch Industries, LLC and is underwritten by XL Specialty Insurance Company and AXIS Insurance Company. 

In 2020, Fetch partnered with The Dodo – a popular digital brand for animal lovers – to rebrand and sell pet insurance as Fetch by The Dodo. So, if you buy a Walmart pet insurance plan, you are purchasing a policy with Fetch, or its other company name, Fetch.

How can I reach Fetch’s customer service team?

Like other pet insurance providers, Fetch has an online chat option where you can submit questions and concerns to a virtual agent. The online chat feature allows you to inquire about purchasing a new policy or getting help on an existing policy. 

To discuss an existing policy in the chat feature, make sure you are logged into your member portal. This way, the virtual representative will have your account information on hand. If you have specific questions or would like to speak with a licensed agent via telephone, you can call Fetch’s customer service line.

Does Fetch offer a free trial or a money-back guarantee?

Fetch doesn’t currently offer any free trials. It does, however, offer a 30-day risk-free period in which you can cancel and get a full refund. The trial period ends 15 days after the 15-day waiting period, giving you a short window of time to decide if the plan is a fit.

We don’t ever recommend switching pet insurance policies. Any diagnoses your pet receives under your initial policy will be considered pre-existing conditions and won’t be covered by other providers going forward. To avoid needing to switch providers, thoroughly research different options and read the fine print of any policy before signing.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.