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Not transparent. Difficult to reach customer service. High pressure sales tactics.
Reps of this company (Fetch Inc / Fetch Pet Insurance) were on premises at an animal shelter and people adopting an animals (including me) were required to speak with a Fetch rep about pet health insurance prior to completing the adoption process (making payment for the animal). The Fetch rep verbally told me the pet health insurance policy was "no-risk because the first month would be free". Any subsequent month premiums would be a set amount which I was quoted verbally by a rep using rather high-pressure sales tactics, imo, and at a vulnerable moment when I was trying to pay attention to the newly adopted puppy I was literally holding in my arms. The policy coverages, endorsements, and policy number were not ever provided to me in writing — even tho the Fetch rep took my payment information at time of adoption. Two days later a debit amount appeared on my bank statement for more than the monthly premium amount quoted to me by the Fetch rep on adoption day (and per bank statement, Fetch also set this up as a monthly autopay — I never approved the debit amount charged nor recurring pre-authorized monthly premium payments.) I tried ro contact Fetch Inc to cancel any policy existing (after receiving a letter via USPS that implied I had a policy, but no policy number appeared on the letter nor did any contact info for Fetch Inc customer service). There are no direct ways (that I could find) on the Fetch website that allowed me to contact or to speak directly with an agent or customer service rep (calls during business hours M-F were directed to an answering service) to resolve these issues. Message I left with the answering service was never returned by anyone at Fetch Inc.. The shelter outtake process was rushed, chaotic, shoulder-to-shoulder (new owners and their pets). The shelter invoice listed 'Fetch Inc.' as a line item and $0.00 payment for that line item. I took that to mean I had declined coverage. In hindsight, a non-profit shelter partnering so closely (insurance reps on premises that are required as part of outtake process) with a for-profit insurance company seems suspect on the face of it. Of course, by then I had already selected a puppy. btw, this shelter also does not even allow potential adopters to enter the shelter prior to filling out a form — seems this hides from public view that an insurance company is on premises and is part of the outtake process required by the shelter. I will be reviewing and identifying the animal shelter in a separate review. Cannot recommend this pet insurance company.
Insurer: Fetch
By: A Pet Owner
While the insurance coverage is great…
While the insurance coverage is great, the claims process is extremely slow, often taking over a month now for reimbursement to be sent per claim. The “required” documentation per claim is often a bit excessive, every claim requiring provider SOAP notes, when not all claim events (I.E. refilling flea and tick prevention meds) necessitates a visit that generates those notes, and repeatedly uploading previous copies of notes that have no changes or additions to them begs the question why they are needed in the first place. All claim documents need to be spoon fed to claims persons and if all information isn’t spelled out in black and white, your claim is kicked back to you to provide more information and spell it out for them, which delays processing and distribution even longer. In the end, I guess the benefits outweigh the cost and the experience, but this entire experience could, and should, be better.
Insurer: MetLife
By: Justin M
Great simple easy process signing up!
Great simple easy process signing up!
Insurer: Nationwide
By: customer
They are great!
They are great. Very helpful when needed. The only problem I encountered was when I first started filing claims, and certain details were not apparent on the website. For instance, I had several claims active at once, and then lump sum payments were made without any accounting on the site itself. Difficult to keep track. I would recommend this company, but I would prefer that the hospital submit the claims and not me.
Insurer: MetLife
By: Gwen
Such a convenient experience I have had…
Such a convenient experience I have had and so easy
Insurer: MetLife
By: ROSARIO GARCIA RODRIGUEZ
MetLife has been a godsend for my dog…
MetLife has been a godsend for my dog and me. I have had my dog enrolled for several years, and have never regretted it. It gives me confidence that I can get him the best veterinary care when I need it without being concerned if I can afford it. The claims process can be a little slow, and sometimes they want more clarifications, but the help center is wonderfully patient about answering non-medical questions, and ultimately the settlements are fair. Definitely worth it!
Insurer: MetLife
By: Paula W.
So easy to work with Embrace
So easy to work with Embrace. I was sitting in my vet's office and another person was bragging about Embrace. Great company.
Insurer: Embrace
By: Debra Kamino
Hassle-Free insurance
Submitting the paperwork was hassle-free, and the turnaround time for reimbursement was impressively quick. The whole process was smooth and straightforward. Highly recommended!
Insurer: Spot
By: Pavel Yamanushkin
MetLife insurance has played a role in…her health in treating her Cushing Disease, Lymphoma and now recently with one cyst was stage 3, 2nd one benigh.
MetLife insurance has played a role in my lovely pet dog, Scarlet, health the last number of years. Even though she is 12 years old she is always by my side, loving and protecting me as well.
Insurer: MetLife
By: Ruby
Love Fetch pet insurance!
I always have a great experience with Fetch. I called to reinstate my policy and Aileen was extremely helpful.
Insurer: Fetch
By: adriana deonarine