Fetch Canada | Pet Insurance Review

Well my claim has been in since 3 or 4 weeks , the whole submitting the claim was quite easy however I was told I was missing vet records, my vet submitted and fetch co firmed they have from June 2023 to Nov 2023 but require the last years medical records ? I only picked up my puppy June 17 2023 at 8 weeks old, how would I have any previous record? Wry frustrating , seem to be just going In circles ! No one answers what else I can submit ? There are no vet records prior to June ? It’s been almost a month

I didn’t use Fetch insurance at all because I had to take my animal into the Vet 1-2 day short of the 2-week waiting period. I ended up spending $800 at the Vet,wasn’t reimbursed for anything and when I ask for my refund for not using Fetch pet insurance at all they after explaining the situation they said forget it. So I paid the Vet out of pocket and also Fetch insurance that I wasn’t able to use.I’ll never purchase Fetch pet insurance ever again!!

I ended up purchasing pet insurance after my kitten had to have foreign body removal surgery and decided to insure both my kittens. Low and behold within a month they were both back at emerg for vomiting and lethargy. One needed a 36 hour hospital stay for fluids and the other needed a foreign body removal surgery. I submitted both claims and was approved for coverage. Total bill for both of them was over $10,000. Fetch is 100% worth the cost and peace of mind. Claims were easily filed on the app and went into review right away. I received my payout via direct deposit within 2 weeks of filing. Fetch has made me a true believer in pet insurance.

$5,000 out and I'm still waiting. I'll edit this review if circumstances change. I uploaded my invoice and my vet sent the detailed medical history. I know, because I was cc-ed on the email. Whenever I check the status it says there are missing documents. I reached out and a CS person returned my email saying that everything is okay. However, I just went to the website and I still get the prompt that there are missing documents.

I originally purchased my policy when my puppy was around 6 months old. I asked about rates and rate increases and was told that there would be minor rate increases but by insuring early I’m locking in a rate for low risk factors. My dog is now 7 years old and my renewal summary show next years rate at $161.18/month for the first 5 years rate increase were reasonable. After 5 years I was paying around $70/month, but the last few have been steep jumps. This is the explanation for my new rate. “Why your price is changing As your pet gets older, their risk of getting sick or hurt goes up, which means they cost more to insure. Your pet’s breed and the cost of veterinary care in your area can also be a factor.” I would suggest self insuring, I plan to for my next pet. If you do want to opt for pet insurance, I recommend asking for a brake down of premiums by age of your breed so that you can make a proper assessment of what you’ll be signing up for.