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Joshua was very kind
Joshua was very kind, patient and knowledgeable. I am new to pet insurance and rally am trying to wrap my mind around it and had many questions. After speaking with him I feel confident in the chosen policy, confident in my interaction with Joshua and over all confident with Fetch. Thank you Joshua!
Insurer: Fetch
By: Kelly
Trap
They want your money but don’t want to pay out anything, it honestly feels like a scam. As soon as a better option becomes available in the market, I encourage everyone to switch.
Insurer: Trupanion
By: B B
Easy claims processes
Embrace processed my claims very quickly and it was an easy process. I just wish I knew the timing requirement as I went to put them all in at the end of the year when the deductible had been met and missed out on 10 months of vet bills- around $1200. My advice- submit them the day of the appointment. They will accumulate them for you and start reimbursing once the deductible has been met.
Insurer: Embrace
By: Tracey J
Easy process
Easy process to sign up my cat. I really like the online comparison to other pet insurances. Very helpful!
Insurer: Pumpkin
By: Corina M.
So far all of my claims have been easy…
So far all of my claims have been easy to processed. Communication was relayed whether is it’s delayed or what to expect next. Direct deposit option i opted for has been very good and my refunds credited directly into my account within a few days after the decision has been made.
Insurer: Pets Best
By: Pacharee K
Terrible
Terrible. People with zero medical knowledge are following a vague flow chart that is divorced from reality. An allergy will prevent your pet from getting reimbursement for ANYTHING because they are "secondary symptoms." Giardia is NOT a symptom of an allergy. Simply garbage. Cancelling coverage now.
Insurer: ASPCA
By: Baloo The Bear
Deny Deny Deny
Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc. I wasted over a thousand dollars on a policy and hours on the phone chasing an insurance company and trying to convince them to do the right thing to no avail. --------------- In response to the reply from Fetch - I believe your understanding of our situation is inaccurate which isn't surprising considering I receive conflicting information from Fetch regularly. Here are the facts: My pre-authorization for coverage was for the leg not previously injured and surgically repaired which Fetch also denied, but as it was pre-existing I did not dispute that conclusion. What was very disappointing to learn was the other leg was not covered despite having medical evidence from the veterinarian that it was in good health both at the inception of the policy but also at the 30-day mark of the policy when there was an expectation for us to provide 'a certificate of knee health' to indicate there was no pre-existing condition of that leg. Fetch decided that because that exam and 'certificate' wasn't provided to them in the first 30 days - they would stand on that very specific and shaky ground to leverage the opportunity to deny coverage suggesting they place higher value on profitability vs. customer experience and/or pet health. The choice to do the right thing was simple - yet it wasn't taken so I am offended at any communication from Fetch which indicates sympathy. If Fetch was sympathetic or empathetic to our situation they could make the choice to cover a 'certified' healthy knee that was healthy for the first 6 months of the policy (the entirety of the waiting period). Instead they chose to bow out because the notation of health occurred on day 60 vs. 30. Even though we all know that if the knee was healthy on day 60 it was certainly healthy on day 30. If you're truly sorry then cover the claim or just refund me the money I've wasted on this policy so I can try to cover these medical expenses myself.
Insurer: Fetch
By: Mark Alan Norton
Deny Deny Deny
Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc. I wasted over a thousand dollars on a policy and hours on the phone chasing an insurance company and trying to convince them to do the right thing to no avail. --------------- In response to the reply from Fetch - I believe your understanding of our situation is inaccurate which isn't surprising considering I receive conflicting information from Fetch regularly. Here are the facts: My pre-authorization for coverage was for the leg not previously injured and surgically repaired which Fetch also denied, but as it was pre-existing I did not dispute that conclusion. What was very disappointing to learn was the other leg was not covered despite having medical evidence from the veterinarian that it was in good health both at the inception of the policy but also at the 30-day mark of the policy when there was an expectation for us to provide 'a certificate of knee health' to indicate there was no pre-existing condition of that leg. Fetch decided that because that exam and 'certificate' wasn't provided to them in the first 30 days - they would stand on that very specific and shaky ground to leverage the opportunity to deny coverage suggesting they place higher value on profitability vs. customer experience and/or pet health. The choice to do the right thing was simple - yet it wasn't taken so I am offended at any communication from Fetch which indicates sympathy. If Fetch was sympathetic or empathetic to our situation they could make the choice to cover a 'certified' healthy knee that was healthy for the first 6 months of the policy (the entirety of the waiting period). Instead they chose to bow out because the notation of health occurred on day 60 vs. 30. Even though we all know that if the knee was healthy on day 60 it was certainly healthy on day 30. If you're truly sorry then cover the claim or just refund me the money I've wasted on this policy so I can try to cover these medical expenses myself.
Insurer: Fetch
By: Mark Alan Norton
Claim Filling
I have not even started writing the review and I already received an email stating they received my two claims! Something that I really enjoy is the ease of submitting a claim. The only thing I don't care for completing is stating the purpose of the claim even that is a drop down menu. It only have certain medical terms versus all the terms so when you copy and paste whatever the doctor's office wrote it shows something closely related to what the doctor wrote. I had to pick wellness because it mentioned spade and one claim was the pre ops checks and then the Ovariohysterectomy (spade I guess). :-) Besides this, it is pretty simple!
Insurer: Embrace
By: Coastie
Their customer service is superb
Their customer service is superb. The only negative thing I can say about the company is that as the pet gets older the premiums become prohibitively high. But they always reimburse on a timely basis and their customer service is great, the best around.
Insurer: Embrace
By: Margaret Willis