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High premiums, manufactured evidence to deny claims
Fetch has denied claims for treatment of my dog’s hip dysplasia by citing pre-existing symptoms that my pet’s veterinarian believes are unreasonable and unrelated to hip dysplasia. When vet attempted to discuss reasons for claim denial, Fetch came up with different reasons not documented and refused to discuss documented reasons. Additionally, premiums have doubled in just 1 year. I am now paying $1,000 a year in premiums and they have paid out roughly $300 in claims. They have denied over $2,000 in claims for all manner of issues (not just hip dysplasia) Editing this review to address Fetch’s reply: my dog’s vet does not agree with the reasons you have documented for claim denial within the 6 month hip dysplasia exclusionary period. They believe the things you have documented were unrelated to hip dysplasia. However you refuse to have a conversation with my dog’s vet to hear their point of view. Also your definition of clinical sign is a change in behavior. But there was not a change in my dog’s behavior prior to and within the 6-month hip dysplasia exclusionary period - and I have photographs back to when he was 3 months old to prove it. But you refuse to discuss or consider. You simply want to deny claims so that you can maximize profits. As a practical matter, you do not cover hip dysplasia even tho you claim in your marketing materials that you do = fraud
Insurer: Fetch
By: Nate
Great choice!
I have had a ver positive experience with Embrace. They are professional and quick to reimburse. It’s also very easy to submit claims.
Insurer: Embrace
By: Chill Bibi
It was easy to navigate your website.
It was easy to navigate your website.
Insurer: Embrace
By: wrasulin Taylor
I am disappointed at how long it took…
I am disappointed at how long it took to approve payment of a well visit/ vaccination boosters. I submitted the claim on 6/22. While I appreciate there was regular communication & apologies for the delay in processing, it has taken 30+ days to receive notification of approval of claim. As of today, 8/5 I have not yet received the payment for the claim.
Insurer: Pets Best
By: Debbie Garza
So far so good!
I got this insurance for my 10 y/o shih-apso Maggie 3 years ago. So far its been a lifesaver for my dog and really helps with the cost of her care. She has one preexisting condition that could not be covered under the policy, but everything else has been fine. The claims process is pretty easy with the portal; however, the processing time–from submission to reimbursement–varies, usually 3 weeks. Very happy with my experience.
Insurer: Embrace
By: Zera M.
First time I submitted a claim
First time I submitted a claim. Good so far
Insurer: Embrace
By: Sharon Lucas
Helpful Agent
Justin was super helpful and able to apply my employer discount faster than I could find it online (and I work in IT),
Insurer: Fetch
By: DC
I spoke with Samantha Jenkins who was…
I spoke with Samantha Jenkins who was absolutely a pleasure to chat with. I had several questions about why my claim was still in review and she explained everything with amazing clarity. She was kind, professional and extremely courteous. She truly made me happy that I chose Fetch to help me out with my Ginger. Thanks Samantha 🙏🏻
Insurer: Fetch
By: Jedd Taub
Fetch has been a life saver with…
Fetch has been a life saver with covering my pup’s insurance needs. Easy to upload my documents and quick turnaround!
Insurer: Fetch
By: Niki
Great pet insurance!
Spot is very user friendly and a great service!
Insurer: Spot
By: Julia