Fetch | Pet Insurance Review

My new puppy had allergies once she was a year old. Fetch has made the process of filing claims so easy! The app is user friendly and responses and reimbursement have always been timely.

This stuff is a scam. I first insured my dog with Fetch 3 years ago. He was 6 at the time, and in very healthy shape. He went for his annual every year, and had had no major issues. But, as he is 9 now, and age is catching up to him, we've had some issues crop up since becoming insured. I was under the impression that my dog would be covered for these issues, however, the representatives at this company are clearly instructed to find any even slight indication in veterinary records to deny your claim. In three years, I have paid thousands of dollars to this company in 'coverage', but I have not received a penny in benefits, as they will hack up your bill to the point where they only cover $11 of a multi hundred dollar bill, and therefore, you can never meet your deductible $500 in order to receive benefits. They will find any little thing in your pet's entire vet record to hack away at those benefits to ensure you receive nothing. I just input my latest claim today and I am looking forward, because it's just laughable now, to receiving the denial email that explains that of my $440 claim only $10 was covered so that's just $10 of my $500 deductible teehheeheee. They'll never pay you anything. Go somewhere else - trust me. I have no idea how this company has generated so many good reviews, but it may have been from before it was acquired by "the dodo", because I will say the assistance was better in the first few months of coverage and their agents were friendly. Now their agents just sound annoyed with questions, eager to tell you cheerily all about how they denied your claim and why (bs reasons). This company has not paid out any claim in three years. I would have been better off taking the monthly cost and putting it in a savings acct that I controlled, instead, I just paid an extra couple of grand to some greedy middle man so that they could act dodgy, no oversight, deny everything by only covering chump change on each bill, and offer no other assistance. DO NOT GET THESE GUYS. GO ELSEWHERE.

I submitted a claim for my baby on 2/10/23 w/paid bills attached and his records from the vet.. I was told my claim would be paid in 5-7 days with ACH deposit. Then I was told 15 days. Today, I was told the rest of his records were needed. Fetchpet was sent his med documents with the claim. Now I’m being told I can’t be reimbursed?!! I just cancelled both policies on my two babies and I will NEVER recommend Fetchpet to anyone! I basically paid four months of premiums for NOTHING! because these clowns are not reimbursing me for my baby’s claim I submitted on 2/10/23. Freaking Thieves!!!

Edit on March 8: they reached out to me by phone and, after I explained the situation, acknowledged that the website does seem misleading, and they'd look into my feedback. Their website's description of what documents are needed for a claim is misleading to say the least. They say on their website that the medical records they need are "Detailed medical records, including from your pet’s most recent checkup (a vet visit unrelated to your pet getting sick or hurt)". (Trustpilot doesn't allow me to post link, but the specific webpage is titled "Your guide to filing claims.") But in reality, they also ask for the records from the visit which the claim is for, i.e. the visit that happened exactly because my pet was sick. And their customer service agent explicitly confirmed this to me, without explaining why it works differently than what their website says. If they were clear and consistent upfront, I probably would have no problem with providing the medical records for every visit. But now I feel I was lied to, and I have serious doubt whether I can trust them when I need them. I may need to shop around for other pet insurances.

Despite charging me an ever increasing monthly amount cumulating in a $167 per month charge (after the latest annual hike)... for $2500 coverage, $400 deductible, and a 90% reimbursement for a period of years, for 10 year old otherwise healthy dog, Fetch denied a dental claim of a little over $1500 based on (they said) a pre-existing condition. That condition being, a being a vet report in 2018 that stated mild tartar was present on the canine teeth. no treatment was recommended at the time., and no exclusion was noted when I signed on with Fetch a couple of months later. (despite them requesting all the vet notes from my vet). I have to say though, the reps on the phone were excellent, and totally understood my concerns and respected my decision to cancel the policies that I held with Fetch. save your money and go to an insurer that pays out. If a big claim happens, you need to know the insurance company has your back when you need it, and doesn't look for reasons not to pay