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They collect payment but don't pay out claims!
I had two pets insured with Fetch for over 5 years. They are very good at taking payment every quarter, but that's where it ends when it comes to their capabilities. One of my pets, the cat, unfortunately passed away in the summer of 2025 from old age. He was insured with Fetch for about 4 years at that point, never filed a claim. Upon his passing, I informed Fetch and the following month, the cat was removed from my Dashboard, hence I assumed they successfully cancelled the insurance. In the spring of 2026, I reviewed my credit card statements and low and behold, I see that Fetch kept charging me the premium for the cat for two more quarters. When I called, they claimed they never knew about the passing of the cat. Why then was the cat removed from my Dashboard the month following his passing, I wonder? The dog has been insured with Fetch since he was a puppy. Every year, he went to his annual vet check-ups. Fetch knows every vet he's ever been to. We never had to file a claim for him as he's been healthy this entire time. At age 5, he developed an issue, appears to be harmless luckily and we caught it early enough for him to fully recover but it did create the first claim we had to file. It wasn't much, a few hundred dollars but hey, that's what we have this insurance for after all. Guess what, they denied the claim due to "incomplete health records". They want me to go to every vet and ask for the detailed health records. Again, the dog was insured literally from since he was 8 weeks old, never had to file a claim, and Fetch is aware of every single vet he has ever been to. What do I pay Fetch for if they make me do all the work? I am now in the process of filing a complaint with the Texas Department of Insurance and considering legal action - not for the money but out of principle. They collect premiums but don't want to hold up their end of the deal and someone needs to put a stop to that. If you are in a similar situation and can't find a solution with Fetch, look up your state's Department of Insurance and make sure to file a claim - that's the only way to stop such behavior.
Insurer: Fetch Canada
By: Chris E.
Prescription
Once prescription was properly submitted according to the guidelines, everyone was smooth sailing.
Insurer: Fetch
By: BP
Puppy relief
Puppy has been ill for weeks and we were reimbursed for all his tests and medication.
Insurer: Fetch
By: Lisa
Hard to manuever claims and update…
Hard to manuever claims and update information. Refunds take long. If you want to make a change to your insurance, you lookse your reduction of out of pocket.
Insurer: MetLife
By: Christina
Quick and fair… peace of mind
My cat needed expensive medical care after a “dietary indiscretion.” Trupanion processed the claim quickly, and paid their portion of the bill, in accordance with their contract. Trupanion gave me peace of mind, so that I could focus on my cat’s well-being.
Insurer: Trupanion
By: Catherine
Look for other insurance options
Claims process is frustrating, nearly impossible to navigate, and possibly criminal. Will follow up with government authorities.
Insurer: MetLife
By: Typical customer
Getting started with my first claim was…
Getting started with my first claim was a tad complicated but that was more user error on my end. However, the customer service was outstanding, each representative I spoke with were extremely helpful.
Insurer: MetLife
By: customer
Your process is so easy
Your process is so easy. Thank you.
Insurer: Fetch
By: Client