Fetch | Pet Insurance Review

I just received an explanation of benefits for a claim I submitted to Fetch Pet Insurance. My policy has a 70% reimbursement rate and $500 deductible. Rather than counting the entire amount I spent for a recent veterinary visit toward my deductible (which is how my own health insurance works), Fetch decided to only apply 70% of the visit cost toward the deductible. So--now rather than having a $500 deductible, it seems I have a deductible of $500 x 0.7 = $714. I've had my Fetch policy for several years and do not recall the company applying this approach to calculating a deductible. Something is not right here. I've also experienced astronomical increases in my monthly premium (now $325, or about $4000 per year) for a limited amount of coverage (capped at $15,000). I believe that the tactics that Fetch uses to secure its near-five-star rating on this site are deceptive. For example, most of the comments on the review page describe interactions with specific customer service representatives. Most consumers want to give high ratings to customer service representatives because we all know those peoples' jobs depend on getting the highest ratings. using those ratings to describe the overall offerings of the company seems a bit deceptive. I've also noticed new advertising where Fetch spotlights large payouts in emergency situations and the reactions of the policy holders to those events. It is great that the policy holders had support for their pets in an emergency situation, but if Fetch paid out $11,000 for a single incident, what is the new premium that the policy holder will be charged? In my experience, use of the insurance leads to astronomical premium increases, so this approach to advertising also seems a little deceptive. My conclusion is that I would do things differently if having to select pet insurance for a new puppy. I would not select Fetch again. I would look for a company that offers unlimited coverage (rather than capping at $15,000) and does not gouge its policy holders. I would also look for a company that is posting genuine reviews of its entire performance, not just selecting comments about specific employees.

You were all wonderful and caring.Thank you so much. I highly recommend Fetch to people I meet and my .

They are very fast getting your claims processed and your refunds in the bank. I would highly recommend them to other dog lovers.

Amanda is very knowledgeable and helpful!

Megan was very understanding and helpful. I was having a difficult time with my veterinarian’s new prescription company. I thought I was going to have a difficult time processing my claims since they couldn’t give me the receipts the way I thought they were supposed to be. Megan explained everything to me and assured me that the receipt was acceptable. She put my mind at ease. Thank you so much!