Affiliate disclosure: Fetch & File may earn a commission if you purchase insurance through links on this page, at no extra cost to you.
🐾 For pet parents
Stop leaving insurance money on the table.
Pet owners lose hundreds of dollars a year in unclaimed insurance reimbursements. Fetch & File makes filing a claim as easy as snapping a photo.
Free to start · No credit card needed
$400+
estimated unclaimed per insured pet owner annually — NAPHIA 2024
65%
of pet owners report finding the claims process confusing or time consuming — NAPHIA 2024
Under 3 min
to complete a claim analysis with Fetch & File
Built by a pet parent, for pet parents.
Fetch & File was built after realizing we were paying for pet insurance every month and never filing claims. If you have insurance and a vet bill, you deserve to get your money back.
Your dog deserves the care. You deserve the refund.
Join pet parents who stopped leaving money on the table.
Fetch & File is for informational purposes only and does not constitute insurance advice. Not a licensed insurance agent or broker.
How it works
Filing a claim should be this simple.
Most pet owners skip claims because the process feels confusing and time-consuming. We fixed that.
1
Snap your vet invoice
After your vet visit, take a photo of your receipt or enter the details manually. Takes about 60 seconds.
2
AI analyzes what you can claim
Our AI reads your invoice, checks it against general coverage knowledge for your insurer, and tells you exactly what's claimable.
3
File in minutes
We walk you through submitting to your insurer step by step. No paperwork confusion, no missed deadlines.
4
Track your reimbursement
See your pending and approved claims in one place. Watch your total savings grow over time.
Features
Everything your claims need.
01
Photo invoice scanning
Upload a photo of your vet receipt and the system extracts every line item automatically. No manual entry required.
02
Claim analysis
Know exactly what is covered before you file. Get a breakdown of covered vs not covered items with an estimated reimbursement amount.
03
Email reminders
Never forget to file again. Get a reminder after every vet visit so you always capture what you are owed. Premium feature.
04
Savings tracker
See exactly how much you have claimed back since you started. A running total of money you would have left on the table.
AI claim analysis is for informational purposes only. Actual reimbursements depend on your specific policy terms and insurer decisions.
Get insured
One vet emergency can cost thousands.
Pet insurance typically covers 70 to 90% of eligible vet costs after your deductible. Most pet owners who get it wish they had gotten it sooner.
Find plans that may fit your situation
Answer a few questions and we will give you context on which of our listed providers may be relevant. This is not a recommendation. Always review full policy terms before purchasing.
Analyzing your situation...
These links are for informational purposes only. Fetch & File does not recommend specific policies. Always read full policy terms before purchasing. We may earn a commission from these links at no cost to you.
What to look for in any policy
✓ Reimbursement rate, aim for 80% or higher
✓ Annual deductible, lower means more reimbursed per visit
Start free. Upgrade when you're ready. Cancel anytime.
Free
$0 /month
✓ 1 pet profile
✓ 3 claim analyses per month
✓ Basic claim tracking
✓ Access to insurer comparison
Most popular
Premium
$8 /month
✓ Unlimited pets
✓ Unlimited claim analyses
✓ Photo invoice scanning
✓ Email reminders after vet visits
✓ Full reimbursement tracking
✓ Policy coverage analyzer
All plans include access to our insurer comparison and education tools at no cost.
Fetch & File
Welcome 👋
Let's get you started
Total saved this year
$0.00
File your first claim to start tracking
Pending
0
no active claims
This month
$0
claimed back
Recent claims
🐾
No claims yet
After a vet visit, head to File Claim and let our AI analyze your invoice to see what you can claim back.
File a new claim
📸 Photo scanning — coming soon
For now, enter your visit details manually below
enter your visit details
Auto-fills if you add itemized costs above. Otherwise enter manually.
Analyzing your claim...
✅
Claim analysis complete
This analysis is an estimate only. Actual reimbursement depends on your specific policy terms. Always verify with your insurer.
My pet
🐶
No pet added yet
Add your pet's profile and insurance details so we can give you more accurate claim analysis.
Find the right coverage
Answer a few quick questions and we will help you understand which types of coverage might fit your situation. Links may earn Fetch & File a small commission at no cost to you.
Analyzing your options...
Plans that may fit your situation
These are not recommendations. Review each plan's full terms before purchasing.
Fetch & File does not recommend specific policies. Always review full terms before purchasing. We may earn a commission from these links.
Fetch & File is for informational purposes only and does not constitute insurance advice. Not a licensed insurance agent or broker.
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