Fetch Pet Insurance California Review

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

Part of the Fetch review · Pet insurance in California

Fetch inCACaliforniaChange state

Your dogBreedAge at enrollmentFrench Bulldog · puppy, under 115 years of cover

Prices and ratings on this page are for the French Bulldog, enrolled as a puppy. Turn on JavaScript to choose your dog's breed and age.

Fetch is administered by Fetch Insurance Services, LLC and underwritten in California by AXIS Insurance Company. At filed rates the French Bulldog costs $145 a month at age 2 and $734 at age 12; the 15-year total is $74,274.^[1] The last approved increase was +12.9%, against +13.4% requested, effective 7 Jul 2026.^[1]

Coverage

Coverage flags used for the coverage score
Unlimited annual limit available	yes
Exam fees in base	yes
Dental illness in base	yes
Prescription food	no
Curable conditions can return to coverage	yes
Illness waiting 14 days or less, waivable	no
Hereditary conditions in base	yes
Direct vet pay	no
No upper enrollment age	yes

The 180-day orthopedic figure is a lifetime exclusion, not a waiting period: form GPTM 050 CA 0325 A (exclusion h) never covers orthopedic conditions that occur in the first 180 days. Two cases are excepted: knees, if a vet exam within 180 days records no knee conditions, and orthopedic conditions caused by an accident. The waiting period is 15 days for illness and for injury from normal activity, waived by a full vet exam in the first 15 days; accidents have no wait. Exam fees, dental and prescriptions are in the base policy and can be removed by optional endorsements. Prescription food is excluded. Pets must be older than six weeks; the guidelines set no maximum enrollment age. Claims are reimbursed to the policyholder. Sources: CDI filing 25-2417 (policy form, rate manual PRM(CA) 2025.1.1, underwriting guidelines in CA Exhibit 18).

Scores in California [sort by any column · click a brand for the breakdown]

Scores in California: scores A to F out of 10, weighted total, lifetime cost for the dog chosen above and coverage score. Column headers sort the table; brand buttons open the score breakdown.

1		4.4	2.0	6.1	7.9	3.0	n/d	4.8	$74,274	7.5
Score breakdown for Fetch A. Lifetime cost4.4 B. Age curve2.0 C. Generosity (loss ratio)6.1 D. Rate increases7.9 E. Price structure3.0 F. Customer treatmentno data Coverage (separate)7.5 Underwriter AXIS Insurance Company Last filing 25-2417 · +12.9% Dog French Bulldog, 15-year cost Age 12 vs age 2 5.1× ($145 → $734/mo) Breed group x attained age matrix; age-at-inception discount (0.80-0.85 in term 1) wears off to 1.00 by term 6; prior-claims factor 0.85-2.20 at every renewal, each claim counted at no more than $500; $4.50 per card installment (none with Apple Pay or Google Pay); $15 one-time fee for new policies; no multi-pet discount Full Fetch California review →

Re-weight the scales yourself · total is a weighted average over scales with data (methodology v1)

A Lifetime cost25%B Age curve20%C Generosity (loss ratio)15%D Rate increases20%E Price structure10%F Customer treatment10%

F (customer treatment) has no data yet for California, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.

Why these scores

D. Rate increases 7.9: Filing 25-2417 (Exhibit 20) projected +30% or more for 2,940 of 49,076 California policies (6%) under an approved overall change of +12.9%.
E. Price structure 3.0: Filing 25-2417 turns the age-at-inception factor into a first-term discount (0.80-0.85 for pets enrolled at 1 or older) that wears off by 3-4 points a year over five renewals. It also adds a prior-claims factor: 0.95-0.85 from the second term for pets with $500 or less of counted claims (each claim counted at no more than $500), up to 2.20 otherwise. The card installment fee is $4.50, and the manual has no multi-pet discount. Quote validity and site lag were not checked.
F. Customer treatment no data: No regulator penalty or mass non-renewal involving AXIS Insurance Company was found in the research sources: CDI file 25-2417, the Florida IRFS filing list read on 13 October 2026, and Maine docket INS-23-800, which concerns American Pet Insurance Company, not AXIS.

How each scale is computed: methodology.^[2]

Price by age

From filing 25-2417, effective 7 Jul 2026, priced at the unlimited limit. 15-year total $74,274 at today's filed rates.^[1]

All numbers: Fetch, monthly premium by age

Fetch: monthly premium by age, french bulldog, male, enrolled at 0, $1,000 deductible, 90%, unlimited limit, filed rates effective 7 Jul 2026
Age	$/month	$/year
0	$126	$1,513
1	$128	$1,538
2	$145	$1,741
3	$164	$1,966
4	$196	$2,348
5	$233	$2,798
6	$277	$3,319
7	$327	$3,928
8	$386	$4,638
9	$455	$5,463
10	$535	$6,421
11	$627	$7,529
12	$734	$8,809
13	$857	$10,284
14	$998	$11,980
Total over 15 years	$74,274

Compared with other brands in California

Monthly premium for the French Bulldog in California at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.

Pet's age: 8

Future rate increases

Filed rates: ASPCA, Pumpkin, Spot 25-613 · Embrace 26-812 · Fetch 25-2417 · Lemonade 23-3248 · MetLife 25-2234 · Trupanion 25-2461. Dashed: proposed, filed but not yet approved (Embrace, effective 1 Feb 2027). No rate pages read yet: Figo, Healthy Paws, Nationwide.

All numbers: monthly premium by age, French Bulldog, none (filed rates)

Age	ASPCA	Embrace	Fetch	Lemonade	MetLife	Pumpkin	Spot	Trupanion
0	$122	$195	$126	$86	$273	$122	$122	$196
1	$122	$137	$128	$77	$248	$122	$122	$196
2	$122	$158	$145	$75	$248	$122	$122	$196
3	$122	$181	$164	$75	$248	$122	$122	$196
4	$127	$209	$196	$85	$251	$127	$127	$196
5	$157	$240	$233	$102	$315	$157	$157	$196
6	$181	$276	$277	$120	$379	$181	$181	$196
7	$213	$317	$327	$148	$472	$213	$213	$196
8	$268	$364	$386	$179	$584	$268	$268	$196
9	$305	$418	$455	$217	$667	$305	$305	$196
10	$364	$482	$535	$258	$774	$364	$364	$196
11	$417	$554	$627	$306	$897	$417	$417	$196
12	$481	$637	$734	$330	$1,039	$481	$481	$196
13	$481	$732	$857	$330	$1,091	$481	$481	$196
14	$529	$842	$998	$330	$1,143	$529	$529	$196

Rate filings

Fetch's own figures where one filing sets different increases for different brands; the California page lists each filing's headline figures.

Filing	Effective	Status	Requested	Approved	Indicated	Loss ratio	Permissible LR	Source
25-2417	7 Jul 2026	approved	+13.4%	+12.9%	+12.9%	55% actual (2025)		source [1]

Notes on these filings (1)

25-2417: California Department of Insurance file 25-2417 (SERFF AXSS-G134459223), AXIS Insurance Company, Fetch Pet Health Insurance Program. Submitted 11 November 2025, approved 12 March 2026, effective 7 July 2026 for new and renewal policies. Fetch first asked for +13.4%. After CDI required three years of data in its rate template (objection of 1 December 2025), the template's maximum was +12.9%, and Fetch lowered its rates to that level; +12.9% was approved, with individual changes from -62.0% to +143.6% across 49,076 California policyholders. Loss ratios are California losses plus defense and cost-containment expense (DCCE) over earned premium from the CDI Ratemaking Data page, for twelve-month periods ending 30 June, before development: 65.4% (2023), 63.6% (2024), 55.2% (2025); without DCCE they are 62.3%, 60.6% and 52.6%. Developed and trended to the new rate period, the latest year's projected loss and DCCE ratio at the old rates was 74.5%. The filing states no permissible loss ratio. The CDI rate template allowed changes from -11.8% to +12.9%: $601.80 to $769.75 of premium per exposure against $513.47 of credibility-weighted projected loss and DCCE per exposure, which corresponds to projected loss and DCCE ratios from 85.3% down to 66.7%. Previous rate filings: 22-2210 (effective 14 August 2023, +15% in this filing's Exhibit 2) and 23-2590 (effective 14 August 2024; CDI's WARFF index lists +18.4% requested, while Exhibit 2 shows a 0% rate level for it). Rates are from the approved manual PRM(CA) 2025.1.1 and California exception page CA SEP 2025.1.2. California has its own territory table: ZIP 90001 is territory 3, dog factor 1.726. The countrywide manual's 0.852 for territory 3 does not apply in California; the filing's own rating example for 90001 uses 1.726. Only ZIP 90001 is encoded. The price uses the per-policy-year deductible (x1.136; a per-condition deductible is x1.000) and assumes no paid claims: the prior-claims factor is 1.00 in the first term and 0.95, 0.90, then 0.85 from the fourth term, counting each claim at no more than $500. Total counted claims above $500 over the last three terms raise it to 1.15-2.20. Pets enrolled before age 1 pay the full age-at-inception factor (1.000); pets enrolled at 1-2 or at 7 and older get 0.85 in the first term, and pets enrolled at 3-6 get 0.80. The discount shrinks every renewal and is gone (1.00) from the sixth term. Exam fees, dental, prescriptions and complementary therapy are included at factor 1.000; excluding them lowers the price. The installment fee is $4.50 per card payment and does not apply with Apple Pay or Google Pay. A one-time $15 administrative fee applies to new policies only and is not in lifetime totals. California does not allow the manual's automatic 10% rating trend. Not applied here: discounts of up to 10%, the 1.10 working-dog factor and the $100 minimum premium. Breed groups follow the filing's California breed list: 'English Bulldog' is group 24, while 'Bulldog' is a separate entry in group 27.

References

1.↑California Department of Insurance, WARFF. AXIS Insurance Company, Pet Health Insurance Program, rate filing 25-2417. Effective 7 Jul 2026. Requested +13.4%, approved +12.9%, indicated +12.9%. source
2.↑Pet Insurance Wiki, Rating methodology, version 1. methodology

History

14 Oct 2026Clarified 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%
14 Oct 2026Added BBB and Trustpilot ratings checked on 13 October 2026
13 Oct 2026Corrected 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.
13 Oct 2026First published from California filing 25-2417 and the Florida sample policy GPTM 050 FL 1125 A