Fetch | Pet Insurance Review

Easy claim process

My experience with Fetch has been great! They are very quick to respond to my claims.

I had never used my insurance before so I was skeptical, but let me tell you it was such a great experience! Not only was it easy but the turn around to being reimbursed was one week. I'm so thankful and couldn't be happier with this company!

Fast, easy and efficient.

I am absolutely outraged by the way Fetch Pet Insurance is handling my claim. I filed a formal appeal over a week ago, yet I have received no response, no acknowledgment, and zero effort to resolve the issue. I have emailed every available contact, including the claims department and customer support, and all of my messages are being completely ignored. My veterinary bill totaled $487.37, but Fetch decided to reimburse me only $110.00—a mere fraction of what should have been covered. My policy states that eligible expenses should be reimbursed at 80% (after a 20% copay), but instead of following this structure, Fetch applied arbitrary reimbursement caps that were far below the promised percentage. They completely excluded certain charges under the excuse that they weren’t covered, even though these services were clearly part of routine and necessary veterinary care. Not a single dollar was applied toward my $400 deductible, meaning my coverage is practically useless until I pay even more out of pocket. It turns out that Fetch has hidden reimbursement limits on all wellness services, which they don’t clearly disclose upfront. For example, my pet’s comprehensive exam was only reimbursed at $30, vaccinations at $10 each, and lab tests at a fraction of their actual cost—despite my policy supposedly covering 80% of expenses after copay. Since submitting my appeal, I have received no communication whatsoever. Fetch has ignored every single email I’ve sent. This company refuses to engage with customers once they take your money and does not process appeals or respond to formal complaints. Since Fetch Pet Insurance refuses to act in good faith, I will be filing formal complaints with the State Department of Insurance, the National Association of Insurance Commissioners (NAIC), the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC). This company is a scam, and I strongly warn every pet owner to stay away. They gladly take your premiums but will do everything in their power to avoid paying claims. If you want real coverage that actually protects your pet, look elsewhere. Fetch Pet Insurance is nothing but a fraudulent, deceptive business that preys on trusting pet owners. UPD No one from your team even bothered to contact me—everything you stated is false. You sent me a $110 check and had the audacity to deduct an additional $3 fee. I already sent an email to the designated address on February 27, and all the required documents were submitted even earlier. So please, don’t blatantly lie—the facts are not on your side. By the way, I have already prepared formal complaints for all the relevant departments, and since you have failed to respond to my official request, I will be filing them tomorrow.