Fetch | Pet Insurance Review

Buyer Beware: if you need insurance for a one time, unexpected accident this company is okay. But as soon as there is an ongoing medical condition Fetch will spike your premiums and lower pet coverage until it’s more expensive to have their insurance than pay for your dog’s treatment out of pocket. I had this insurance (previously PetPlan) since my now 13yo cocker mix was a perfectly healthy puppy. Therefore, everything was technically covered. When he had a couple small accidents, it was all reimbursed appropriately. However, as soon as my senior dog developed an aging lung condition and small heart murmur that requires expensive lifetime medication (still a very happy and active pup)… they made coverage completely unaffordable (3x the cost of his medication). When I called, a Fetch representative outright admitted that when pet payouts start to regularly exceed premiums and your deductible, this is what they do to make back the cost.

Fetch nickles and dimes their customers. They make very excuse to charge their customers more (secretly adding to monthly premiums without telling their customers). They have raised my premium multiple times without notifying me. One time was for more than $10 per month, and that was for updating my mailing address.

If I could give them zero stars I would. Fetch was great until it wasn’t. They don’t actually care about your pets so don’t be fooled by their messaging like I was. They will decrease your policy to their highest deductible and to the lowest co-insurance coverage with no warning or explanation. You will have to fight for the reason behind the change. They won’t even give you policy options like it states in your renewal email. It is a take the lousy offer or just leave. Pet insurance companies know that if you start using the pet insurance then you are stuck if you want coverage for your pet. Everything becomes pre-existing. It is so easy for them to screw you over and they enjoy doing it. I was more than happy to pay more money for the policy I had. I was even expecting the premium to go up. I was planning on paying it. I wasn’t expecting them to raise my deductible, lower my co-insurance, and lower the premium. None of this makes sense. What is the point of being a loyal customer if they just take away the policy you’ve been paying for. You had a loyal paying customer that you have now screwed over and proven that you actually don’t care about animals and their owners at all. The customer service is so awful. I used to recommend so many people to this company but never again. The fact that I have talked to multiple that said we can’t help you. We aren’t going to do anything or help you. What happened to good customer service? I need a company to rely for my pets needs and this one just isn’t it. Please, whatever you decide to do, find a better company for your pets. I miss Petplan. They were a great company. It sucks that Fetch bought them. I’ve had nothing but issues with Fetch.

They take care of payments for approved claims immediately with the option for direct deposit. It is very helpful when you are paycheck to paycheck. Customer service is great, too. Representative was English-speaking and clear.

Fetch made a mistake with a claim of mine (no big deal, it happens) but then they struggled to clear it up. When I finally talked to a live person, Justin Erwin was able to get everything sorted out in less than 24 hours. Because of his excellent communication and fantastic customer service, I will continue to do business with the company. Thank you, Justin!