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I call this insurance provider "The Gambler"
I'm pretty disappointed in the Fetch business model. I got Pet Insurance for financial security and peace of mind. It has turned out to be very frustrating, as there is A LOT of uncertainty surrounding the coverage and every trip to the vet is a gamble. It will be extremely stressful if I ever have to make a quick decision about whether or not to go through with a procedure that may, or may not save my dog's life, but will ultimately end up resulting in a lot of debt if it turns out not to be covered after waiting for 15 days to get the invoice and HX notes assessed by a Fetch representative. Even a 1-3 day wait time to get a pre-approved authorization by the Fetch team is not going to help very much if my dog needs immediate care. I would like to see an easily accessible, more user-friendly, less convoluted and continuously updated list of what will not be covered by one's Fetch insurance plan.
Insurer: Fetch
By: Kimberly
My advice: NEVER have your pet uninsured!
Always there for my pets now that they’re aging. We insured them because as they aged and needed more healthcare, we never wanted to make a decision regarding treatment that was based on our budget rather than their best interest. Trupanion does that for us!
Insurer: Trupanion
By: Cranes Roost
insurance policy terms (coverage) were…
insurance policy terms (coverage) were clear/easy. The enrollment options and process very straight forward and quick. So far pleased.
Insurer: Spot
By: Harry Lashkari
Trupanion has always covered Gracie’s…
Trupanion has always covered Gracie’s medical needs. They were very quick to respond with estimates and when I called, clearly explained what was covered and what wasn’t. The vet had made a mistake in submitting the estimate and the woman at Trupanion called the vet to clear things up. Very happy with their service and plan.
Insurer: Trupanion
By: Teri Smith
Trupanion is awesome A+
As the title says, I am very happy with Trupanion. I signed up for their 90% plan. They had their share paid before I left the Vets office. My trip to the Vet yesterday was roughly $672.00 and my out of pocket of that bill was $55.00. That put a smile on my face. They have been this way with every Vet visit. They follow up with e-mails and links to your claim. Trupanion is very efficient. I think I chose well for my first try with pet insurance, They are a keeper. And finally remember folks, get insurance on your puppy early, like at 2 months old. I waited until my boy was 3 months old, in that one month he got an ear infection in his left ear. So now he has that one preexisting ailment, so they don't have to pay for ear infections for the rest of my dog's life.
Enrollment is Easy
Easy to enroll, lots of information, process was seamless
Insurer: Spot
By: J Lynch
I have used this insurance for years…
I have used this insurance for years and it has been a big help since Jake my dog has gotten sick with Cushings disease. I can even get help with medication.
Insurer: Fetch
By: Sharon Krier
Look Elsewhere for Pet Insurance
Dealing with Embrace has been the worst insurance experience ever. Even after providing all the information to obtain pet's records, they sent several emails saying they were unable to get records. After tests were ran to ensure my new kitten's health and no disease was found, they excluded major coverage. Since the policy was not meant to cover routine care, excluding major illness made the policy useless for my pet so I requested the policy be cancelled and a refund for the policy. They refused to refund any portion of the premium. I called several times but was not allowed to speak with anyone making coverage decisions or anyone in charge of the decision. I was told someone would review my request and then I received emails disallowing coverage. I would not recommend Embrace for any pet owner.
Insurer: Embrace
By: Sev Staz
Very easy and no hassle.
Very easy and no hassle.
Insurer: Trupanion
By: customer
Highly recommended if you have a pet
The time. they took to research different plans and options for the best care of my pet
Insurer: Prudent Pet
By: Margie Ingram