Fetch | Pet Insurance Review

We live in NYC where everything, including vet care, is expensive. So, pet insurance is essential and I have always paid my premiums on time. I've had policies with Fetch (previously known as PetPlan) for going on 20 years, and they have covered 7 different cats during that time. They have never been the cheapest policies, but Fetch had always provided good coverage. The only complaint I've had up till now is it took a long time for them to process claims. All that changed today. To provide some background, two of my three cats are 9-year-old littermates, the female is named Skye and the male is Kato. Kato is generally healthy except for the occasional herpes virus flare up. He's had those since he was a kitten so Fetch has always considered them a pre-existing condition and never covered any of those expenses. Skye suffered a serious illness in 2023 and was diagnosed with small cell intestinal lymphoma. Due to complications during the vet's initial testing and work up, Skye got aspiration pneumonia. She nearly died and had to spend 10 days in the ICU, which was very expensive. Skye recovered from the pneumonia, but unfortunately the lymphoma is terminal and all we can do is give her medication to keep her comfortable and slow the progression. Since her diagnosis in 2023 she has had to see her vet every 6-8 weeks for blood tests because the medications can have serious side effects. Skye incurs regular medical bills, though nowhere near the expenses she incurred in 2023. Both cats had their policies renewed in 2024 with moderate increases in the annual premiums. Today I received my renewal documents for 2025, and I am absolutely floored by what Fetch has done. They designated both Skye AND Kato as high risk policies. Skye's 2025 premium went up by about $75 to $1380 per year, but the deductible quadrupled to $1000 and my co-pay went from 10% to 40%! Kato's 2025 premium increased by $817 to $2200 per year, his deductible doubled to $500 and my co-pay went from 10% to 30%! I had expected Skye's policy costs might increase, but there is no justification for what Fetch has done with Kato's. I called Fetch to get an explanation and see what could be adjusted at least for Kato's policy. Their answer was, "nothing." Take it, or leave it. This is how Fetch treats customers who've had policies with them for decades. Just a big middle finger. Shame on you Fetch!

Very easy and fast to sign up and get started. Complete coverage available. Fair price.

Claim handled quickly and kept informed of progression

I have had Fetch insurance for many years. When my dog was euthanized at 16 years old Fetch applied any claim proceeds against the 20% deductible per claim on the policy? The math doesn't work. I also had to submit the same information from the vet 3 times until they finally came up with their decision. This was the one and only claim in 16 years for this dog. When another dog under Fetch had cancer getting them to pay a claim required sending in the same documents again and again. They finally paid a portion, but not anywhere near the 90% on the policy even after the 10% deductible. I'm now with another company and hope they and not so difficult and might I say dishonest... The customer service reps on the phone were always very nice and helpful, but were limited by the number of times info had to be submitted before getting an answer.

the mobile app was easy to use! My claim was processed quickly. My mini schnauzer is feeling much better now.