Fetch | Pet Insurance Review

Continuous updates on my claim, much appreciated

Nothing they did was illegal. Just heartless. This is a company that only cares about making money. I was with them for 17 years. They have changed ownership and names a few times. The coverage went down and the rates kept going up. Once you decide on a pet insurance company, you're pretty well stuck as your pets age and have conditions. Know that going in. Fetch instituted deductibles PER CONDITION in recent years. That makes it nearly impossible to ever collect. An older pet, like an older human will have multiple conditions. I stayed with them because no other company would take my kitties as they aged or they were prohibitively priced. In early April, it was clear that my remaining 18 year old kitty was nearing the end. I wasn't going to go to extraordinary means to keep her alive. She had a chronic, terminal condition. I called and cancelled my policy before it renewed at the end of the month. I had a long talk with the cancellation guy, explaining clearly why I was cancelling. One would think he would pass this information along somehow. Instead, I immediately started getting automatic emails asking me to renew, as if I was just switching companies! Seriously? That was heartless enough. But, I had to put her down on 4/22, and I'd already asked if euthanasia was covered. It was in her case, as it was a continuation of a documented condition. I filed immediately, and they've paid a tiny fraction of what I've paid out to them. All legal. That's the insurance business. But, guess what? I'm still getting solicitation emails, not just one, begging me to renew! The cat is gone! If you had any heart, any communication within your company, Fetch, you'd have sent me condolences and left me alone. Instead, they send automatic, standardized, impersonal, and heartless emails that even use my cat's name! Stay far away from this company. They won't be there for you. Oh, and if you're a day late beyond their timing for filing a claim, they won't reconsider. They just won't process it. In particularly busy times in my life, I've been a little late. It didn't happen often, but no matter how long you're with them, there are no exceptions. They won't reconsider. I think venture capital and AI run this company. As long as your pet is young and healthy, you'll get low rates. But even if you stick with them, they will find ways to increase your rates and lower your coverage. No loyalty. Just know that going in.

Wow! On top of already exorbitant rates, I just got notice they will be raising my pets' policies by OVER DOUBLE! I have had them for years (since PetPlan), with just a few minor claims which didn't pay out much. This is absolutely ridiculous - paying more for my cats' insurance than my husband's and mine combined. Sad to think I've kept them so long. Guess I will go the route of many others and just set up a savings account for my fur-babies - wish I had done that 5 years ago. Would definitely NOT recommend.

Everything was as said, and I got my reimbursement back three days later after I claim the pet visit

The whole claim process from start to end was a breeze. Had to resubmit an invoice due to original not being clear. No issues with that. Claims were excepted days after and will receive my refund soon.