Fetch | Pet Insurance Review

My experience with my claim went very well received what I expected. I do like the new explanation of benefits it's very in detail than before and I understand what I have left to spend in her wellness category. I also like how they do the illness and injury section as well so I know what I have left on my deductible.

My experience was great. I was surprised how easy they make it. Their response time was fast. I wasn't sure what to expect or if pet insurance really would be beneficial . They have low prices and were honest and dependable. I am so glad I went with Fetch.

Don listened to me very patiently and carefully. He was so polite, kind, and helpful.

Joshua was very kind, patient and knowledgeable. I am new to pet insurance and rally am trying to wrap my mind around it and had many questions. After speaking with him I feel confident in the chosen policy, confident in my interaction with Joshua and over all confident with Fetch. Thank you Joshua!

Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc. I wasted over a thousand dollars on a policy and hours on the phone chasing an insurance company and trying to convince them to do the right thing to no avail. --------------- In response to the reply from Fetch - I believe your understanding of our situation is inaccurate which isn't surprising considering I receive conflicting information from Fetch regularly. Here are the facts: My pre-authorization for coverage was for the leg not previously injured and surgically repaired which Fetch also denied, but as it was pre-existing I did not dispute that conclusion. What was very disappointing to learn was the other leg was not covered despite having medical evidence from the veterinarian that it was in good health both at the inception of the policy but also at the 30-day mark of the policy when there was an expectation for us to provide 'a certificate of knee health' to indicate there was no pre-existing condition of that leg. Fetch decided that because that exam and 'certificate' wasn't provided to them in the first 30 days - they would stand on that very specific and shaky ground to leverage the opportunity to deny coverage suggesting they place higher value on profitability vs. customer experience and/or pet health. The choice to do the right thing was simple - yet it wasn't taken so I am offended at any communication from Fetch which indicates sympathy. If Fetch was sympathetic or empathetic to our situation they could make the choice to cover a 'certified' healthy knee that was healthy for the first 6 months of the policy (the entirety of the waiting period). Instead they chose to bow out because the notation of health occurred on day 60 vs. 30. Even though we all know that if the knee was healthy on day 60 it was certainly healthy on day 30. If you're truly sorry then cover the claim or just refund me the money I've wasted on this policy so I can try to cover these medical expenses myself.