Fetch | Pet Insurance Review

4.9

out of 5

Number of reviews 1,790

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.3
  • 1.5
  • 4.9
  • Count
  • 3
  • 44
  • 1,790

Updated: January 30, 2024

Fetch offers the most comprehensive pet insurance Get paid back up to 90% on unexpected vet bills Save $25 or more with quarterly or annual payments $1000 in online vet visits included at no extra cost Protecting 400,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot Exam fees are included which saves you $50-$250 per sick visit Optional coverage for routine and preventive care. Fetch covers hereditary conditions at no extra cost Fetch covers injury and disease in every adult tooth – not just the canines Use any licensed vet in the U.S. or Canada Fetch covers what other providers charge extra for or don’t cover at all
1

out of 5

POSTED: | BY: Naomiloves Coupons

PRICE GOUGING

In 2017, I became a policyholder under the provision of pet insurance for my Yorkshire Terrier, opting for the plan with unlimited coverage, a 90% reimbursement rate, and an annual deductible of $150. Year by year, I have endured an increasing premium payment, averaging an 8% increase annually straight from 2017 through 2022. Please see the detailed analysis below: 2017: $434.52 2018: $456.51 (5% increase) 2019: $519.57 (12% increase) 2020: $597.32 (13% increase) 2021: $649.12 (8% increase) 2022: $732.21 (11% increase) 2023: $1,064.28 (31% increase) 2024: $1,775.92 (40% increase) The subsequent years showed an alarming increase after Petplan attempted to modify my coverage in 2022. A proposed restriction on my annual cover to $5K was introduced, coupled with a reduced reimbursement rate of 80% and an increased deductible of $500. I called in to discuss my plan on 02/01/24 at 12:39 PM and spoke with Jordan. His tone and manner were cold, callous, and very condescending. He talked down to me and made me feel bad for choosing to provide my pet with the highest level of coverage from the beginning. He offered unreasonable downgrades and suggested I cancel my service. Refusing such alterations, I faced an undeserved punishment of increasing rates by 30% and 40% in the years 2023 and 2024, respectively. Essentially, feeling strong-armed into reducing my coverage or canceling my policy. According to the "Healthy Paws Cost of Pet Care Report" by Canine Journal, the average annual cost of pet insurance in New Jersey for a dog with unlimited coverage is $672. When compared with the $1775.92 price tag Petplan has levied upon me, this constitutes a 59% increase, which is preposterous. The National Association of Insurance Commissioners (NAIC) has regulations in place requiring insurance companies to publicly explain any rate increase of 15% or more before its implementation, which Petplan is unable to do. I do not have a history of filing claims. My pet has all his annual check-ups, necessary vaccinations, and preventative care, and raising my rates this high with no just cause appears deceptive. PetPlan is not basing my rates on the actual cost of insurance in NJ, my car, homeowners and medical insurance did not increase by 59% over the 2 years. Petplan's inability to provide a reasonable justification for this egregious 59% rate increase is an unethical practice of price gouging.
5

out of 5

POSTED: | BY: Marlene

Katherine took care of all my questions, was extremely personable and expert in providing all the information I requested. Your company is lucky indeed to have such a representative!

Katherine took care of all my questions. Is an absolute vaulable part of your team. My reimbursement check is being sent to me and is exactly as FETCH advertised. I am very happy with FETCH. I was switched to your company after having pet insurance for the past 30 years. Your service and representative deserve 5 stars! Sincerely, Dr. M
3

out of 5

POSTED: | BY: Kristian Cruz

No Contact for Follow-Up & Questionable Calculations

No contact for questions. The refund took 2 weeks longer than the plan described, which is less of an issue. My problem is that there is no clear way to contact/follow-up. Normally, with pet or human insurance, the deductible is subrtracted from the total, then the co-insurance is calculated. In my claim, FetchPet calculated the co-insurance from the overall total, then subtracted the deductible. This resulted in me receiving ~$205 instead of ~$264. I understand their goal is to minimize how much I am re-imbursed, but I've never seen insurance calculated like this before - I work in healthcare.
5

out of 5

POSTED: | BY: Jacquelyn Burns

Gerrone was so helpful !!

Gerrone was so helpful !!! Best customer service representative ever!!! Thanks for answering all my questions!! I hope in the future if I have questions I get you. Thank you so much! My dog daughter is my life. We are new to this pet insurance, and he helped us feel so comfortable with the process.
4

out of 5

POSTED: | BY: Juanita LeBlanc

Ky was very professional and understood…

Ky was very professional and understood what my concerns were and answered my questions. I have had great experiences with Fetch whenever I have had to call in about anything.

Monthly Cost

Plans average $35/month for dogs and $25 /month for cats

Coverage

You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.

Deductible

$250, $300 and $500

Age Limits

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Waiting Period

Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.

Exclusions

Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.
Fetch by The Dodo brings together insurance industry expertise and the animal-loving sensibility of The Dodo. It’s the only pet insurance recommended by the #1 animal brand in the world, The Dodo

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