Fetch | Pet Insurance Review

They cover all my pet’s expenses during the two nights at the vet. Everything that I expected the insurance to cover was paid for. You just need to submit the documents needed to process the reimbursement.

They cover all my pets expenses during the two nights at the vet. Everything that I expected the insurance to cover was paid for. You just need to submit the documents needed to process the reimbursement.

I hate doing this. I have had nothing but great experiences through petplan.. until now. Unfortunately, this experience is bad enough to warrant no more than 1 star. My dog needed behavioral therapy training due to some changing behavior. Our vet referred us to a behaviorist who did a wonderful job. Our plan includes behavioral coverage and specifically states "behavior therapy." When our claim was denied, I called to inquire. I was informed that "in the terms and conditions" it says that any behavioral training MUST be done by a licensed vet. In our area, there are behavioral training centers, and vets do not do any type of behavioral training, hence the referral (not sure if it's like this everywhere?). I informed them that I had a referral from the vet and that our vet does not do any behavioral training. I also informed them that it was a licensed "behavioral therapist" that performed the training. I was told there was nothing I could do or send in to get it covered due to the wording in the terms and conditions. Advertising in policy documents and coverage details that behavioral therapies are covered, but only covering them if performed by a certified vet (which is not listed in the policy documents with behavior coverage, and is ONLY in the terms and conditions) strikes me as a company that is trying to trick people into paying for services that should be covered under their plan. Shady back room jargon is not for me. I will be switching coverage. Best of luck everyone.

I would not recommend them. We had 3 of our dogs insured by them. One of our dogs was on their policy from 2 1/2 years old. The premiums were reasonable until he was 8 years old. He had a bout of Mast Cell cancer which was treated and we got reimbursed without complications. Upon renewal, the premiums suddenly jumped from $1,500 per year to $3,500 per year. A year later, we just got the renewal letter and they now want $4,500 a year - that is $375 a month! It is a complete rip-off and basically tells you that they are cheap and make profits when the dogs are young and no claims are made, but the moment the dogs get old they jack up the prices when you really need them. So, you are left with three choices: 1 - Cancel the insurance and pay out of pocket (of course all the money you already gave the insurance over the years is lost) 2 - Continue to pay the insurance for your peace of mind, especially now that our dog has pre-existing conditions 3 - Find another carrier, and carefully research their pre-existing condition clause. It was very stressful and took lot of time to research. We opted for #3. Shame on you, Fetch by The Dodo, previously known as Pet Plan. I have sent in my cancellation notice today for all 3 dogs we had under your care.

Words cannot express how grateful I am to have Fetch pet insurance. At this moment, my beloved dog Lily is being treated for cancer, and knowing that we can count on Fetch to help lessen the financial burden and ensure she can receive the treatment she needs means the world to me. The Fetch app is also great and easy to use. I just upload the invoice and medical records after each visit, and the claims approval process has been very quick, usually approved within a few days and now even better direct deposit is available. Lily has been going to chemo every week now for five weeks, and each week I just go to the app and upload the documents as a continuing claim. Ive been with Fetch (formerly PetPlan) since I adopted Lily over 11 years ago, and before that with Sophie when the company was PetPlan. Ive seen the claims experience evolve from paper forms to now an app, and the process has become streamlined. The only thing I miss is being able to talk to a claims person more easily, as all communication now seems to be done via chat and email. I recently submitted an estimate for pre-authorization (meaning I wanted to know what coverage would be), and even though it was marked as such in the email it became a claim in the app that kept requesting an invoice; I never got an answer on the coverage but the good news is Lily did get the procedure done and it was covered as expected. Sophie had insurance with a different company before PetPlan/Fetch, and the experience was terrible; they denied claims even when her vet wrote letters in support of coverage, and luckily I found PetPlan and was able to switch. PetPlan/Fetch was able to provide coverage when she got cancer, and ensured that finances would not prevent me from getting her treatment. I originally got pet insurance after meeting a woman at the dog park one day. The woman was looking through the fence and crying. I asked her if she was okay, and she tearfully explained that she had just had to put her dog to sleep because the dog needed treatment she could not afford. She said Sophie reminded her of her dog. I got pet insurance that day, hoping to avoid the heartbreak of not just losing your beloved dog but having to make a decision based on finances.