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Pet parents across the U.S. and Canada have left over 225,054 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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First dog, easy claims
I recently got my first and own dog, Spot has taken a lot of the major worries of vet costs away entirely. I've made two claims and the process was smooth, painless, and rather easy all around. Highly recommend.
Insurer: Spot
By: Noah Smith
Ridiculous Premium Rate Increases
I cancelled due to the ridiculous rate increases in premium: "American Modern Home Insurance Company was granted an overall rate increase in the amount of +16.60% effective 02/23/24 for new business and effective 02/23/24 for renewal business for Pet Insurance. American Modern Home Insurance Company subsequently filed on 03/07/24 with the Department of Banking and Insurance a request for an overall rate increase in the amount of 19.20%". Good bye.
Insurer: Embrace
By: Anthony Piniat
I Hope This Isn't a Preview of His my Future Claims Will be Handled!
I received 4 emails stating my dog's records were needed to process my claim. I sent the records 4x. They said they requested them from my vet... only they requested them from a veterinarian hospital I've never been to. Finally, I called and they said they had the records. I never had this problem with my former pet insurance company.
Insurer: Spot
By: Elissa Dellosso
Excellent service
Our fur baby developed an illness in her gut basically overnight, Vet diagnosed her problem as AHVS. The visits and treatment were quite expensive. Sent my claim to FETCH and the review process was quick. I received my reimbursement within 10 days, thank you Fetch.
Insurer: Fetch
By: Kimmett Uttenreither
Fetch App and Claim
New member of fetch and the claim experience was quick and smooth. The app is easy to use and with lots of information and helps you with any process.
Insurer: Fetch
By: ST
Terrible service- do not recommend
Takes too long to pay out and getting a $3 charge for a check because I don’t want to provide my checking account number is robbery. Almost impossible to use the chat button- the bot service/ communication is frustrating- has you going in circles to talk to speak to a representative.
Insurer: Fetch
By: Sandra Leasoff
Very convenient and efficient for…
Very convenient and efficient for filing claim. Provide status of every stage of claim filing.
Insurer: Spot
By: Uday
the claims filing process was easy and…
the claims filing process was easy and efficient through the online site by answering a few questions and uploading documents, including receipt and updates with a timely turnaround. thank you!
Insurer: Embrace
By: OSCAR M
Great Customer Service
I recently had a couple questions about my coverage and the reimbursement policy. The young lady I spoke with was very helpful and patient!
Insurer: Fetch
By: Lynn
Probably the worst insurance company…
Probably the worst insurance company I’ve ever dealt with. You need to pay for every expense upfront and then they make you submit a claim for each expense but then repeatedly reject and delay so they never have to pay you out. They also claim to reimburse 90% but I’ve never received more than about 40% so I don’t even know what I’m paying for. Additionally, they ask for the same exact documentation EVERY TIME which makes no sense because if I already submitted it SEVERAL times why do I need to submit it again?! They also completely ignore key information such as the date we brought our pup home and then ask for information we clearly could not have based on that. Finally, they have asked us to reach out to previous vets for their notes? Documentation we don’t easily have access to and a previous vet has absolutely zero willingness to provide so just another way for them to prolong the process and ultimately reject our claims. Wildly unhelpful and inconvenient I will likely cancel my policy.
Insurer: Fetch
By: Hannah