Fetch | Pet Insurance Review

Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.

Customer service and sales teams are extremely helpful and easy to work with.

I was disappointed to learn that there was a $300 deductible that isn't met right away. I thought that the total invoice would meet deductible but found out only partial dollars of invoice are used , So one would have to see vet multiple times before meeting deductible. That wasn't clearly elaborated to me. Also, they take their time reimbursing

My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.

Josh promptly returned my call and answered all my questions, great assistance. Thank you.