Fetch | Pet Insurance Review

This is a great company. I adopted a dog from a shelter in 2012 and immediately purchased insurance for him, because our recently-deceased, beloved family dog had contracted four types of cancer, none life-threatening, during his 13-year lifetime, which required more than $25,000 to treat. This company was then called "PetPlan," and I'm happy to report that they do everything they promise to do: fairly and quickly consider claims, and make payment exactly as outlined in their terms. I'm very pleased with my 10+ years of experience with this company, and would highly recommend them to anyone who wants the peace of mind knowing their beloved animals can receive the medical care they need without causing bankruptcy for their humans.

My young pup had a botched neutering and was put on antibiotics. He was allergic to them and started vomiting and having diaharrea We had to rush him to the Emergency Vet ...the swelling at the surgery site along with holding nothing down , we were really afraid . This is where having pet insurance can bring so much peace of mind . My pup was treated and now doing very well .We filed our claim and within 5 days the reimbursement was in our bank . No fuss , no bother just processed quickly and efficiently ! I doubt you could find a Pet Insurance as great as Fetch !!!!

People always worry about claims being paid, not by Fetch! My baby Jessie the Olde English Bulldogge, best stubborn loving dog ever tore her ACL. She had her surgery, still recovering. Fetch holds up. Easy claim submission and I got reimbursed before my credit card payment was even due. THANKS FETCH for being reputable!!

Very timely reimbursement and great communication of status.

The absolute worst customer service and company. Firstly the supervisor who talked to me on the phone was a horrible person, condescending and mean. This company will look for any ways to deny your claim reimbursement. Go for any other company than this even if it means a higher premium because you’ll be sure to receive your services, not with Fetch. I recently submitted TWO claims, 2 days apart for my pet Joey. They reviewed it initially and asked me for additional medical documents which I submitted. I submitted additional 9 records, his history for the prior 2 years, that’s what they asked. My pet is a 4 year old young dog who has no medical conditions and has been very healthy. Even the medical records and blood work I submitted from the first day of the claim stated he was overall very healthy but was suffering from stomach issues due to either foreign body ingestion or extreme care of gastroenteritis. Their 15 day thing is incorrect. I had to literally be on their chat every day to get an update just for both of my claims which are days apart to be denied. Reason: “ This policy does not cover: mm. Any amount if you failed to satisfy, or comply with, the conditions set forth in the GENERAL CONDITIONS, CARE FOR YOUR PET (VII.6) section of this policy. Including, but not limited to condition b. if your pet has not been examined by a veterinarian within six (6) months prior to the effective date of the policy, you must arrange to have your pet examined at your own expense within thirty (30) days of the effective date of the policy. Any medical condition(s), clinical sign(s), behavioral disorder(s) or illness(es) observed or recorded during the first exam, and all costs associated therewith, are automatically excluded from coverage. Your failure to have a first exam of your pet may void the policy. If voided, the policy premium will be refunded. Additionally, any conditions that are related to, caused by, or resulting from medical condition(s), clinical sign(s), behavioral disorder(s) or illness(es) observed or recorded at the first exam performed after the effective date of the policy are also excluded from coverage” I talked to customer service and the supervisor is literally one of the worst people I’ve talked to like do you really have no heart for pet parents and I explained that one of his exams was in October 2021, a comprehensive exam from Banfield that stated he was completely healthy. They refused to take that into account because it was not exactly within the 6 month mark. I cited the policy later which clearly says that your policy needs to have 6 month prior record or an examination within 30 days or else it may be voided and your premium reimbursed. I had been paying from May- October for two pets and they never sent me any email regarding this issue and I was like my policy should have just been voided if these are your rules and why was I allowed to pay for so long without any objection from your end. My understanding of the whole situation is that they did this so that they can find any loophole to deny my claim, research Reddit and many customers have been so unhappy with their policies. The supervisor should firstly not even be allowed to be in a customer service role because he was the worst. They won’t reimburse my premium or approve my claim. I’m absolutely distraught because I trusted this dumb company and I would rather pay a higher premium than deal with this company, go with lemonade or healthy paws if you would actually like your pet to be covered and not deal with the worst customer service. Horrible horrible in all ways