Fetch | Pet Insurance Review

Probably the worst insurance company I’ve ever dealt with. You need to pay for every expense upfront and then they make you submit a claim for each expense but then repeatedly reject and delay so they never have to pay you out. They also claim to reimburse 90% but I’ve never received more than about 40% so I don’t even know what I’m paying for. Additionally, they ask for the same exact documentation EVERY TIME which makes no sense because if I already submitted it SEVERAL times why do I need to submit it again?! They also completely ignore key information such as the date we brought our pup home and then ask for information we clearly could not have based on that. Finally, they have asked us to reach out to previous vets for their notes? Documentation we don’t easily have access to and a previous vet has absolutely zero willingness to provide so just another way for them to prolong the process and ultimately reject our claims. Wildly unhelpful and inconvenient I will likely cancel my policy.

Our first claim wasn't even addressed for nearly a month, then when it was, it was denied because they didn't have the prior year of medical records. This claim was for our puppy who at the time was 7 months old. We had ALL records from 2 days after we brought her home and every visit since. She has never missed an appointment and only seen one vet. We are very meticulous about the care of our pets. STILL. after pointing out that we couldn't possibly have a prior year of records for a 7 month old puppy and submitting every document we had, And having the vet do the same. Nothing, for another month. Then finally they denied the claim for pre existing condition because her ears had been cleaned on a prior visit and that was what the claim was for, she had an ear infection. She is fine now by the way. So there's proof that they rubber stamp claim denial without even looking at how old the dog is. But it's no different than any other insurance company for people or pets.

Great coverage. Easy to file for reimbursement.

Been with fetch 2nd year now. I like how simple and easy to file a claim with them, no more nonsense questions just upload your receipt and you will get your refund within 2 weeks 2 weeks.

Fetch Pet has Provided Amazing customer service, Easy process, and the feeling of reassurance that if there is an emergency you don't have to worry about how you're going to pay for it. My dog Mallory was overall healthy her entire life and just recently in her teens we experienced more vet visits that were extremely costly. I can't imagine not having Pet insurance, last year we even maxed out our policy with visits and when the renewal came, I was surprised to see that it wasn't much more than the previous year even with all the claims. When she passed in March they paid the claim and without even being asked cancelled the policy and refunded the pro rated difference of the policy. When I called in to check that everything was all set (because the process seemed so almost too easy) Kathryn the representative was so sweet really listening to me talk about my dog who just passed away. I have never had a negative experience, and everything was very easy on the online portal. I can't say enough good things about this company. IF your wondering if you should buy pet insurance, From my experience with a ill senior dog After witnessing so many people in the Emergency Rooms putting their pets to sleep because they couldn't afford the cost of surgery's, treatment etc., PLEASE GET YOUR PET INSURANCE. I am so relived I never had to make that decision and my decision to lay her to rest was because we had no more options and not due to a vet expense.