Fetch | Pet Insurance Review

I downloaded the invoice and sent it and was sent an email right away it was received and would be reviewed within 15 days. I then received an email within 7 days and was told I would have my reimbursement with 3 days and it was there that day. Thank You! I can only hope all transactions are that quick and easy.

Fast processing of requests. Keeps pet owner informed all along the way of status of claim. Easy to use website.

READ BEFORE YOU SIGN UP WITH FETCH I have been a Fetch customer for several years, including coverage for previous pets, & I have consistently accepted reasonable annual increases tied to inflation & my pet’s age. My dog, Gabi, is a 4-year-old mini Goldendoodle & still very young. My annual premiums were $432 in 2022, $640 in 2023 (+48.15%), $653 in 2024 (+2.03%), & $784 in 2025 (+20.06%). While not insignificant, those increases were acceptable. However, note the 48% increase as soon as my puppy turned one year old. Fetch has now proposed increasing my 2026 premium from $784 per year to $2,074 per year, a 164.5% year-over-year increase. Even accounting for “market pressure & rising veterinary costs,” this is extraordinarily difficult to justify. My veterinarian has not increased prices in years, & if they did, it would be a reasonable, transparent adjustment, not corporate-style gouging. 🤯 What makes this even more alarming is that this $2,074 amount is intended to become the new baseline for all future increases. My dog is only 4 years old. This is not a one-time spike. It resets the policy at a dramatically higher starting point, ensuring every future increase compounds from an already inflated number. You may be wondering why my screenshot shows $2,571.59 annually. I removed the optional wellness plan, which costs $425.56 & was added for 2025 only. Even after removing the wellness portion, my new rate is still 164.5% higher than what I paid this year, going from $784 to $2,074 in 2026. I am not looking to reduce coverage. I am looking for fair & ethical pricing. Don’t be fooled by the low entry cost. Fetch, like all pet insurance companies, does not cover pre-existing conditions. I started my dog with Fetch as a puppy, & she later required knee surgeries. Switching providers becomes extremely difficult because those conditions would not be covered elsewhere. This makes it clear the strategy is to bring customers in early at a lower cost, then raise rates dramatically once leaving becomes far more complicated. Understand that my dog’s injuries stemmed from a single accident at a dog park, where she collided with another dog out of excitement, resulting in a luxating patella. The second knee required surgery shortly after, which is common in dogs, as one knee compensates for the other & can then develop issues. This is not a recurring or ongoing condition. She has two knees, both surgically repaired & stable with pins, & no continuing problems. I should not be punished with lifelong, excessive premiums for an isolated incident that occurred early in her life. I also had my previous dog, Cooper, insured with Fetch & trusted that I could insure Gabi with you as well. That trust is now being taken advantage of. I am not a high-risk policyholder simply because my dog had knee injuries, yet I am being punished with this new premium. That is not right. Framing a 164.5% increase as “no matter the cost” feels like a guilt-based message while I am being taken advantage of. To Fetch: You attract customers with low introductory pricing, & once a pet experiences an injury or illness that is covered, switching providers becomes nearly impossible due to pre-existing condition exclusions. At that point, premiums increase dramatically, leaving customers with little practical alternative. I request this increase be reviewed & escalated to the policy underwriter. A 165% increase in one year is totally unreasonable. I understand you’re a business, but a phased increase over time would be far more reasonable than imposing a single, drastic spike like this. This increase becomes the new baseline, leaving me permanently paying premiums that are unfairly inflated and financially punishing. There will be, God willing, many years where Gabi has zero issues & no claims whatsoever, but one early-life incident should not define or penalize me for every year I am blessed to have her. Penalizing me this way is unjustified. You would have earned plenty over time without resorting to this kind of gouging.

the lady nicole was very nice and friendyl and very helpful answered all my questions nad didnt rush me. i am very happy with the call

Amanda was amazing. Great customer service. We have been with Fetch prior to this. Last year we tried a different pet insurance and was very unhappy with them. That is why we came back to Fetch, even though it’s more expensive, the customer service means a lot to me when dealing with my fur babies!