Fetch | Pet Insurance Review

I appreciate the speedy response . That is why I gave you an extra star.At least I am not ignored like I have been in the past when I attempted to contact Fetch through email (eight times I emailed asking about possibility of being downgraded in 2023). Never a response back. However; you have not answered any of my questions. Fetch is very good in deflecting their responses. So I will enumerate them . 1. Why was I told December 11th that my policies were all good by an agent and that they would be renewed with no changes? That is why I did not decrease policies myself 2. Why was I told by Lindsay customer advocate that it wouldn't have made a difference if I downgraded myself Mischi's policy would have still been downgraded. 3. Why do pet parents have to guess if they are submitting too many claims over the years and run a risk of being downgraded? 4. Why is the formula for downgrading a secret? 5. I have spoken to several companies and Fetch is the only company,so far that downgrades. Why is that? 6. Never met the annual maximum yet my two policies were downgraded without notice and explanation why is that? 7. Why in the letter that was downgrading it says to call and explore options and yet there are no options! Why is that not written in the letter with an explanation of why the policy was changed? 8. Why was an autonation's Parts supply number provided to discuss my options which means choices? That's enough questions for now. Thanks for answering the auto-nations number question. I tried several times the night I received the email and I continued to get an AutoNation' s service dept. I reported this to fetch the next day I'm glad they fixed it. As for speaking to agents yes I have spoken to 3 on the phone and have emailed infofetch and customer advocate email for emailed quotes and questions about having two pet insurance policies. Are you counting ? I I'm disappointed that you could not answer any of my questions but I really didn't expect you too but I was hoping you would.

I have been a Fetch client for about 3 months. The Wellness program is a no brainer as it pays for itself. I was reimbursed for $185 out of $330 for Yeti's annual exam, and I haven't even bought heartworm meds yet, which will also be covered. The claim was processed very quickly. My 2nd claim was processed within a few weeks, but applies towards my deductible. So far I am very happy with Fetch.

Ok insurance but get ready for massive increase in monthly premiums as pet ages. Mine went from $120/month to $280/month in 5 years

Annual maximum benefits do not mean anything beware pet parents. One of my dogs had a poor condition yet an unlimited maximum benefit. When I used it to try to save her life all of a sudden the unlimited became limited $15,000 per year. This year I had a $25,000 maximum annual benefit for all three of my dogs. I put in a claim for regular acupuncture and cold laser treatments total cost $1,500. Guess what she was downgraded so $25,000 maximum annual benefit means nothing. The response of my prior review said but at least you have the $25,000 maximum annual benefit they kept that. Doesn't matter they still downgraded my youngest policy without explanation or warning or how to remedy the situation so my pets policies don't continue to be downgraded. Using the annual maximum benefit as a safety blanket is not accurate. How can a pet parent gauge their claims and finances if the maximum annual benefit is not honored? How can a pet parent gauge their claims and finances if agents cannot even tell them if they are in danger of being downgraded until renewal time.A Fetch supervisor couldn't even tell me if my youngest would be downgraded again or how far a pet can be downgraded cuz it wasn't his department. Fetch has a formula I have been told and they keep it close to the vest .I might have had better luck talking to the number they gave me on the renewal letter auto nations parts and service department. I have been exploring other companies asking them if they downgrade due to what they consider too many claims every single company has said no the only way a policy is downgraded as if the owner does it otherwise it stays the same they honor the annual maximum benefit. That seems to be the number one company that doesn't honor their annual maximum benefits and are the number one company to downgrade without parent permission. Interesting that you didn't respond to my question about annual maximum benefits. Could you tell me respond? Why does fetch downgrade automatically and other companies do not please explain

Fetch takes six to eight weeks to consider each claim. Instead of seeing action on a claim, I receive a string of email messages for each claim saying that "this claim is still in review." So, after taking six to eight weeks to have a claim reviewed, you might receive payment. But if you have a fecal toxoplasmosis PCR test because your cat has iris atrophy, and the veterinary ophthalmologist ordered that test, expect that claim to be denied as being a "routine" test for "wellness." For your sanity and well-being, please go with a more reputable insurer than Fetch.