Fetch | Pet Insurance Review

I submitted a claim for a visit for my cat, and this company covered it per the policy. That was great. HOWEVER, the injury required a follow-up, and that is where the problems occurred. There were two items on the invoice from the follow-up visit. One was a covered blood test. One was uncovered prescription food. In processing the claim, Fetch subtracted the cost of the food from the cost of the blood test rather than from the total bill. Thus, I was paid less than 50% of the blood test cost rather than the 80% my policy requires. I reached out to them via email, and rather than respond they initiated a new claim. I was asked for documents and provided them. The claim was denied because they only looked at the food cost rather than their calculation error—AGAIN. I actually work in (human) employee benefits, so I was able to see the mistake and try following up. This could happen a lot more and people don’t even notice. If Fetch makes an error processing a claim, good luck to anyone in trying to get help. There is no customer service agents to speak with, and the claims process is like dealing with A.I. I don’t think anyone actually looks at the documentation, because I annotated everything explaining the incorrect claim process and they just repeated their error. I am now on my third try and my hopes are low for an actual human being to help. Maybe cats and dogs do the claims processing.

Joshua S. was informative and personable. He walked me through the policy for my dog and gave me thorough information about each plan that I inquired about. He was very helpful and made purchasing pet insurance easy!

We'd been fortunate not to have to use the insurance for years when our little guy suddenly became really sick. With all the stress and unknowns I was worried Fetch was going to be like an adversary, not a friend, and fight us on every penny. Instead they took our calls, answered our questions, and took our claims. It allowed us some breathing room on his care and we so grateful.

Easy to upload, quick response and clear why things were approved or not.

Easy to forward Vet Bills to your site- easy to get a live person on the phone for questions