Fetch offers the most comprehensive pet insurance
Get paid back up to 90% on unexpected vet bills
Save $25 or more with quarterly or annual payments
$1000 in online vet visits included at no extra cost
Protecting 370,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot
Exam fees are included which saves you $50-$250 per sick visit
No enrollment fee – cancel anytime.
Fetch covers hereditary conditions at no extra cost
Fetch covers injury and disease in every adult tooth – not just the canines
Use any licensed vet in the U.S. or Canada
Fetch covers what other providers charge extra for or don’t cover at all
I had just signed up for Fetch insurance and today was the day the "policy waiting period" ended. I had read through the policy terms & conditions multiple times before enrolling, and then again today before I reached out to customer service for further clarification. I simply wanted to know if my pup would be covered against future diseases where vaccinations were available for those diseases, but not required.
Anyone who has a dog knows that there are "core vaccinations" (DHPP) that your dog receives annually, but I was questioning if the optional vaccinations (lyme, lepto, bordetella, etc.,) were required to ensure future coverage against those diseases.
I reached out to Fetch via live chat and a customer service rep named Rushti had a very difficult time giving me a straight answer. I had to repeat my questions multiple times before he understood what I was asking, and every answer he gave me seemed like it was copied and pasted from the policy terms & conditions. His responses were general, extremely vague and not at all helpful. I was trying to ensure that we followed their policy and covered all our bases, to make the most out of our insurance.
I still don't understand if the optional vaccinations are required to ensure future coverage for the related diseases. I was worried that if, for example, I didn't get my pup the lyme vaccination and he was exposed to and diagnosed with lyme disease in the future, that he would not be covered because he did not receive the lyme vaccination. My pup is on flea and tick medication but I didn't know if that would suffice, and neither did Rushti. He kept reiterating that "as long as it's not a pre-existing condition, Lyme disease is covered" and to "file a claim and let the claim adjuster confirm my coverage" but that didn't answer my original question about the optional vaccines. I also don't understand why I needed to submit a claim to confirm my coverage? Then as I was typing my response, Rushti asked if I had anymore questions and then abruptly ended our chat. That was a pathetic move and extremely unprofessional.
Overall, the customer service I experienced was awful and I would cancel my insurance policy just because of that. But I will also be cancelling it due to the fact that there are so many grey areas and not enough clarity as to what us pet parents need to do to ensure our beloved pets are 100% covered. I don't like that this was a hard question for customer service to answer, I truly thought it would be a simple "yes" or "no" type of deal. Now, I believe that if I had to reach out to Fetch for their help, they would be unable to help me. They would for sure reiterate their policy but not elaborate in detail, and that's just plain wrong.
Anyone who's looking to do what's best for your pets, just do yourself a favour and avoid scams like this. You're better off opening up a savings account for your pet(s), don't leave your hard-earned money with Fetch. They don't deserve it.
out of 5
| BY: Brenda Grey
out of 5
| BY: Constance Luce
Scam avoid this rip off.
You cannot email Fetch.
The live chat does not function when you get an agent.
They have multiple phone numbers but you cannot get results.
They took over my previous pet insurance without proper notification.
They have a multi page policy that allows then to reject all claims.
Trying to cancel is ridiculously difficult.
out of 5
| BY: Bhavkaran Aujla
Outstanding customer service and coverage
Sometimes submitting a claim and getting a response can take sometime but the coverage and customer service this company provides is amazing
out of 5
| BY: Tamie
There when we needed them!
When our Yorkie fell seriously ill (and since recovered), it was reassuring to know that Fetch was a phone call or email away. Our claim was processed efficiently which gave us one less thing to worry about.
Plans average $35/month for dogs and $25 /month for cats
You choose a reimbursement level of 70%, 80% or 90% after your deductible.
Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.
$250, $300 and $500
Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old.
Some providers limit coverage for older pets to accident-only.
Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.
Fetch’s waiting periods are 15 days for accidents and illnesses and six months for orthopedic events.
Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.