Fetch | Pet Insurance Review

I was paying close to $70 a month for over one year and had over $1000 in vet bills and when I signed up with Trupanion, they pitched a 90% payout for claims. What they didn't reveal or clarify was that their $250 deductible would apply to every claim even though most of my claims were for the same issue ongoing issue! TRUPANION is a disingenuous horrible company to deal with. I am new with FETCH and they already reimbursed on a claim as well as saving money on the monthly cost with better coverage. Fetch's deductible is a one time deductible for the whole year while Trupanion deductible is for each and every claim and that is how they avoid paying for claims!! DON'T WASTE YOUR MONEY WITH TRUPANION!! GO FETCH!!!!

I have been a client of Fetch (fka Pet Plan) for years and through 6 pets. Fetch has always paid claims with no questions asked or tried to finagle out of veterinary charges or argue a treatment wasn't necessary. The claims process is simple and easy. They have improved how deductibles work from the old days. The only complaint I have is the exorbitant charges they level as your pets age. I understand that this is a business, however, feeling like you are being kicked out of the "program" that you have remained with and that has been with you to care for your pets is not a good feeling. I can't figure out if they exponentially increase the premiums on purpose to encourage clients to drop out of the program because they find them too big a risk or if that is just their premium model but it leaves you feeling like this partner you had is basically price gouging you when you have been loyally paying premiums for years. Again, I understand it is a business and I am grateful to be able to have access to pet insurance but the premiums past age 10 or so insane that it leaves you in a gap where the premiums are so expensive and dropping the coverage would be risky because your pet isn't quite old enough where expensive care or treatment options may still be warranted. It is the only part of Fetch that has had me looking at other providers and, maybe I'll find it is the same or the benefits during the younger years are not as good. I do not yet know.

I canceled my pet insurance today and I decided to open a bank account for my dog. I don't have to beg for my money each time I submit a claim. They always come up with hidden policy to refuse assist you you when you need help.

When our rescued Golden Retriever came to us at 11 months, he was beautiful and healthy if a little skinny. But we had been there before so we bought Pet Plan (now Fetch) for him as we had for our other dogs. That was fortunate. 2 years later we found out Buddy had severe hip dysplasia and he got his first hip replacement then another 2 years and another hip replacement. Without insurance that would have cost us approximately $15000 for the 2. With insurance it was around $4500. Then recently, at age 8, after a lot of testing the vet found a lump on his thyroid that turned out to be a thyroid tumor. $3000 for the CAT scan and another $5000 for the surgery and biopsy. The biopsy showed it to be malignant. Thankfully, caught early, he is recovering well. We paid $2400. We would have paid for all of this, regardless of whether we had insurance, because our dogs are our children but it sure made it easier knowing we had insurance to help cover these unexpected costs. Fetch never balked at the costs and paid quickly exactly as expected. We have recommended insuring pets many times over the years and Fetch is definitely an above average company.

I have both of my labs covered by Fetch. Both have had trips to the emergency vets due to severity and that our normal vet was getting close to closing time. Fetch has been super easy to file claims. I am 100% satisfied and would highly reccomend Fetch!