Fetch Pet Insurance Florida Review
Fetch is administered by Fetch Insurance Services, LLC and underwritten in Florida by AXIS Insurance Company.
Coverage
Source: Florida sample policy GPTM 050 FL 1125 A (sample dated 1/7/26, underwritten by AXIS Insurance Company): no wait for accidents, 15 days for illness and injury from normal activity, 30 days for orthopedic conditions not resulting from an injury or accident; the 15-day wait is waived by a full vet exam in the first 15 days, the knee wait by a knee exam in the first 30 days. Coverage flags and enrollment ages are left out: the sample shows limits only through the declarations page, so we could not confirm an unlimited limit in Florida, and Florida underwriting guidelines were not reviewed. Florida rate filing 26-025000 (approved 10 Aug 2026) and new form GPTM 050 PML FL 0326 (filing 26-029242, new policies from 15 Jan 2027) were not read.
Scores in Florida
Without rate pages there is no lifetime cost, so Fetch is not ranked in Florida. Scales with data:
| A. Lifetime cost | no data |
|---|---|
| B. Age curve | no data |
| C. Generosity (loss ratio) | no data |
| D. Rate increases | no data |
| E. Price structure | no data |
| F. Customer treatment | no data |
| Coverage (separate) | no data |
Price by age
Rate pages for Fetch in Florida are not public or not yet read, so there is no price by age.
Compared with other brands in Florida
Monthly premium for the French Bulldog in Florida at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 26-024273 · Lemonade 26-034247 · Pets Best 26-026451. No rate pages read yet: Embrace, Fetch, Figo, Healthy Paws, MetLife, Nationwide, Trupanion.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Lemonade | Pets Best | Pumpkin | Spot |
|---|---|---|---|---|---|
| 0 | $154 | $140 | $78 | $164 | $143 |
| 1 | $146 | $119 | $71 | $155 | $135 |
| 2 | $145 | $119 | $71 | $155 | $135 |
| 3 | $159 | $119 | $71 | $170 | $148 |
| 4 | $179 | $132 | $79 | $191 | $166 |
| 5 | $218 | $156 | $96 | $233 | $202 |
| 6 | $263 | $185 | $116 | $280 | $244 |
| 7 | $318 | $221 | $145 | $339 | $294 |
| 8 | $407 | $265 | $180 | $433 | $376 |
| 9 | $501 | $370 | $219 | $534 | $464 |
| 10 | $601 | $439 | $283 | $640 | $556 |
| 11 | $678 | $505 | $318 | $723 | $628 |
| 12 | $782 | $544 | $346 | $834 | $724 |
| 13 | $888 | $544 | $346 | $947 | $822 |
| 14 | $944 | $544 | $346 | $1,007 | $874 |
Rate filings
Fetch's own figures where one filing sets different increases for different brands; the Florida page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 26-025000 | 15 Jan 2027 | approved | source [1] |
Notes on these filings (1)
References
- 1.↑Florida Office of Insurance Regulation, IRFS. AXIS Insurance Company, Fetch, rate filing 26-025000. Effective 15 Jan 2027. source
- 2.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- 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%
- Added BBB and Trustpilot ratings checked on 13 October 2026
- 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.
- First published from California filing 25-2417 and the Florida sample policy GPTM 050 FL 1125 A