Fetch | Pet Insurance Review

I'm pretty disappointed in the Fetch business model. I got Pet Insurance for financial security and peace of mind. It has turned out to be very frustrating, as there is A LOT of uncertainty surrounding the coverage and every trip to the vet is a gamble. It will be extremely stressful if I ever have to make a quick decision about whether or not to go through with a procedure that may, or may not save my dog's life, but will ultimately end up resulting in a lot of debt if it turns out not to be covered after waiting for 15 days to get the invoice and HX notes assessed by a Fetch representative. Even a 1-3 day wait time to get a pre-approved authorization by the Fetch team is not going to help very much if my dog needs immediate care. I would like to see an easily accessible, more user-friendly, less convoluted and continuously updated list of what will not be covered by one's Fetch insurance plan.

I have used this insurance for years and it has been a big help since Jake my dog has gotten sick with Cushings disease. I can even get help with medication.

Kayla IS TRULY AMAZING!! She is very customer service & resolution oriented, extremely helpful, very caring, super engaging and just all around "GREAT"!!! She went out of her way to resolve an issue for me that prevented me from accessing the Fetch website thru my pc. Not having access to my pet insurance website was obviously really problematic. I was told that it could take up to 48 hrs for a resolution but Kayla got back to me in 90 mins with a list of potential solutions we needed to try in order to correct the issue. The second recommended solution WORKED and I am back up and running and able to see my policies and submit my claims!!! Kayla deserves a ton of recognition for being such a great asset to Fetch customers!!!

The person I spoke to Denise Ariale went above and beyond to keep me as a customer and gave me options that were within my budget.

Long post but, please read for the sake of your babies. I had my two dogs previously under a different insurance company but switched after seeing seeing ads and speaking with a customer service representative. I was told about the 15 day waiting period and the 6 month period for knees and hips. I was also told the 6 month waiting period (for both) would be waived with a vet visit at the start of our policy, which we did. I felt confident in the switch because of the coverage and lower prices. Our younger dog started limping after a day at the park, we thought she had cut her paw or hurt it. It turned out to be her hips and it was hip dysplasia. When turning in the claims they originally were sent back multiple times for “missing documents.” We had forwarded her whole file! They then denied the claim because it was within the 6 month period for hips. I tried explaining that I was told by the representative specifically when joining that they were covered. They said only the knees were. I asked them to please go back and listen to the recording and of course they called back and said it never happened. I was gaslit and let down by this company. Don’t waste your time and money on a company that couldn’t care less about their ill-trained employees lying to get business and not caring about your babies. Put the money you’d spend here into savings and apply for care credit.