Fetch | Pet Insurance Review

Premium doubles in one year knowing other companies won’t cover preexisting conditions. It’s a trap So I contacted Fetch again following their response. My premium went from $309 to $680 per year. I requested a quote if I lowered cap from 15k to 10k. No change in premium. They say if you have a small breed dog that develops allergies, by age 4 their premiums could double.

Very easy sign up process with very competitive rates and coverages.

Filing claims via email is very easy, and I prefer it over the app. I appreciate the immediate responses and the fast payout.

Reps of this company (Fetch Inc / Fetch Pet Insurance) were on premises at an animal shelter and people adopting an animals (including me) were required to speak with a Fetch rep about pet health insurance prior to completing the adoption process (making payment for the animal). The Fetch rep verbally told me the pet health insurance policy was "no-risk because the first month would be free". Any subsequent month premiums would be a set amount which I was quoted verbally by a rep using rather high-pressure sales tactics, imo, and at a vulnerable moment when I was trying to pay attention to the newly adopted puppy I was literally holding in my arms. The policy coverages, endorsements, and policy number were not ever provided to me in writing — even tho the Fetch rep took my payment information at time of adoption. Two days later a debit amount appeared on my bank statement for more than the monthly premium amount quoted to me by the Fetch rep on adoption day (and per bank statement, Fetch also set this up as a monthly autopay — I never approved the debit amount charged nor recurring pre-authorized monthly premium payments.) I tried ro contact Fetch Inc to cancel any policy existing (after receiving a letter via USPS that implied I had a policy, but no policy number appeared on the letter nor did any contact info for Fetch Inc customer service). There are no direct ways (that I could find) on the Fetch website that allowed me to contact or to speak directly with an agent or customer service rep (calls during business hours M-F were directed to an answering service) to resolve these issues. Message I left with the answering service was never returned by anyone at Fetch Inc.. The shelter outtake process was rushed, chaotic, shoulder-to-shoulder (new owners and their pets). The shelter invoice listed 'Fetch Inc.' as a line item and $0.00 payment for that line item. I took that to mean I had declined coverage. In hindsight, a non-profit shelter partnering so closely (insurance reps on premises that are required as part of outtake process) with a for-profit insurance company seems suspect on the face of it. Of course, by then I had already selected a puppy. btw, this shelter also does not even allow potential adopters to enter the shelter prior to filling out a form — seems this hides from public view that an insurance company is on premises and is part of the outtake process required by the shelter. I will be reviewing and identifying the animal shelter in a separate review. Cannot recommend this pet insurance company.

I always have a great experience with Fetch. I called to reinstate my policy and Aileen was extremely helpful.