Fetch | Pet Insurance Review

Nadine Van Ness is amazing! She addressed every question and concern as if my dog Prada was her own. Her clarification of terms and recommendations helped me get the best bang for the buck. Nadine exemplifies the BEST in customer service!

I enrolled my two healthy pets with Fetch and scheduled their routine veterinary exam based on my understanding of the coverage. Unfortunately, the appointment occurred one day before the policy’s effective date, resulting in a denied claim of approximately $630. I understand that insurance policies have effective dates and waiting periods. My disappointment is not simply that the claim was denied it’s that when I explained the circumstances and asked whether there was any goodwill review or appeals process, I was repeatedly told there was no way to escalate the claim, no reconsideration process, and that even calling would not change the outcome. Had I known the policy would become effective the following day, I would have simply rescheduled the appointment by one day. My pets were healthy, and this was a routine veterinary visit not an attempt to obtain coverage for a known illness or pre-existing condition. While Fetch may have followed its policy, the lack of flexibility and the inability to have my situation reviewed left me feeling that customer service had no ability to advocate for customers. My first experience with Fetch has been disappointing, and I will be looking into other pet insurance options. I encourage anyone considering Fetch to pay very close attention to the policy’s effective date before scheduling any veterinary appointments, even routine wellness visits.

Easy to submit claims. Ensure all medical records are uploaded to make smoother process. The decision came in less than 2 days. I have good experience both times to submit claims.

I bought Fetch hoping I’d never need it. Then my one-year-old Miniature Schnauzer, Zane, developed a bladder stone that required referral to the University of Florida Veterinary Hospital for laser lithotripsy. The total specialist bill was $3,163.60, and Fetch reimbursed exactly 80% as promised—$2,530.88. Earlier diagnostic claims were also processed exactly according to my policy. The claims process was straightforward, communication was excellent, and because I had insurance, I was able to choose the treatment my veterinarians felt was best, based on his young age, instead of making the decision based on cost. I couldn’t be happier with the experience.

Karley was exceptional in helping me through the process of setting up one of my dogs for insurance coverage. Her enthusiasm and cheery demeanor was refreshing.