Fetch | Pet Insurance Review

This is the WORST Pet insurance, they will never let you cancel your policy! They do not let you manage your account. They do not let you type any words in the chat window. They are SCAM! They do not let you get the phone through if you dial "3" to "cancel"! You can ONLY make multiple choices to dial different combinations to speak to someone. Do NOT Buy it!

Claim was easy to file and explanation of benefits was very thorough. Reimbursement was quick.

🚩 For Anyone Considering Fetch and Everyone Leaving 5 Star Reviews 🚩 Dogs are amazing, and bringing one into your life is pure joy. Wanting to protect them with insurance makes total sense. If you are currently enjoying Fetch’s low starter premiums, it is important to understand exactly how this works before you commit long term. Fetch’s pricing model relies on locking you in early & then raising rates once your pet has a medical history. My dog, Gabi, is a 4 year old mini Goldendoodle. Had her birthday Nov 2025. Here is what Fetch charged me; 2022 $432; 2023 $640 which is a 48% increase conveniently right after puppyhood ended; 2024 $653 which is a 2% increase; 2025 $784 which is a 20% increase. Those increases were tolerable. What happened next is not. Fetch increased my 2026 premium from $784 to $2,074 per year. That is a 164.5% increase in one year. Thats with me even removing the wellness plan! This is NOT a one time adjustment. This resets the policy at a dramatically higher baseline so that every future increase compounds from an already inflated number. This has nothing to do with my veterinarian raising prices or so called increases in vet costs in my area. My vet has not raised rates in years. Fetch also points to age and claims history. Over the span of 4 years, she had knee injuries from a single accident, some abnormal bloodwork, & very minor issues like a rash & a brief belly upset, all of which were treated & 100% resolved. Both knees were surgically repaired, are stable, & she has no ongoing issues. This is not a chronic condition. The increase happened for one reason. Fetch knows I cannot leave without consequences. Fetch, like all other pet insurance companies, does not cover pre existing conditions. Once your pet has any serious injury or illness, switching providers means those conditions will not be covered elsewhere. Fetch relies on this. They keep premiums low early to attract customers, then dramatically raise rates after claims because they know you are effectively stuck. That is the manipulation. Calling a 164.5% increase market pressure is dishonest. This is not inflation. This is not veterinary cost increases. This is a calculated strategy that exploits pre existing condition exclusions. If you are considering Fetch, understand this before you sign up. The low entry price is temporary. If your pet ever needs real care, your premiums can and will skyrocket. Get Fetch. Smile big when you get a reimbursement. Just understand that you will pay every single penny back once they decide to raise your premiums the way they did mine. They WILL hold your claims history against you. When they do, you can come back here, like this post, & wish you listened to me. I am sharing this so other pet owners can make an informed decision before they are locked in, not after.

I sent in claim. I was notified of missing info in atimely manner. I responded and now I am waiting for my approved coverage. My only improvement i can see would be a chat line to be able to ask specific questions. Like for example "is a Rabies shot covered under my plan."

very patient anf helpfull