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🚩 For Anyone Considering Fetch and…
🚩 For Anyone Considering Fetch and Everyone Leaving 5 Star Reviews 🚩 Dogs are amazing, and bringing one into your life is pure joy. Wanting to protect them with insurance makes total sense. If you are currently enjoying Fetch’s low starter premiums, it is important to understand exactly how this works before you commit long term. Fetch’s pricing model relies on locking you in early & then raising rates once your pet has a medical history. My dog, Gabi, is a 4 year old mini Goldendoodle. Had her birthday Nov 2025. Here is what Fetch charged me; 2022 $432; 2023 $640 which is a 48% increase conveniently right after puppyhood ended; 2024 $653 which is a 2% increase; 2025 $784 which is a 20% increase. Those increases were tolerable. What happened next is not. Fetch increased my 2026 premium from $784 to $2,074 per year. That is a 164.5% increase in one year. Thats with me even removing the wellness plan! This is NOT a one time adjustment. This resets the policy at a dramatically higher baseline so that every future increase compounds from an already inflated number. This has nothing to do with my veterinarian raising prices or so called increases in vet costs in my area. My vet has not raised rates in years. Fetch also points to age and claims history. Over the span of 4 years, she had knee injuries from a single accident, some abnormal bloodwork, & very minor issues like a rash & a brief belly upset, all of which were treated & 100% resolved. Both knees were surgically repaired, are stable, & she has no ongoing issues. This is not a chronic condition. The increase happened for one reason. Fetch knows I cannot leave without consequences. Fetch, like all other pet insurance companies, does not cover pre existing conditions. Once your pet has any serious injury or illness, switching providers means those conditions will not be covered elsewhere. Fetch relies on this. They keep premiums low early to attract customers, then dramatically raise rates after claims because they know you are effectively stuck. That is the manipulation. Calling a 164.5% increase market pressure is dishonest. This is not inflation. This is not veterinary cost increases. This is a calculated strategy that exploits pre existing condition exclusions. If you are considering Fetch, understand this before you sign up. The low entry price is temporary. If your pet ever needs real care, your premiums can and will skyrocket. Get Fetch. Smile big when you get a reimbursement. Just understand that you will pay every single penny back once they decide to raise your premiums the way they did mine. They WILL hold your claims history against you. When they do, you can come back here, like this post, & wish you listened to me. I am sharing this so other pet owners can make an informed decision before they are locked in, not after.
Insurer: Fetch
By: Melissa
Customer Service Satisfaction
I’ve had a very positive experience with Healthy Paws Pet Insurance, especially during a recent and stressful medical situation with our dog, Kanela. Kanela developed an illness that required multiple emergency veterinary visits to diagnose and treat both secondary reactions to medications and the underlying cause. Each step involved extensive evaluations, treatments, and documentation. After submitting invoices and medical records, Healthy Paws responded promptly every time. Their claim processing was efficient, and the explanations of benefits were clear, concise, and easy to understand. What stood out most was their attentiveness. Beyond processing the claims, they even sent a follow-up email to check on how Kanela was doing, which felt genuinely supportive during a difficult time. While we hadn’t used the insurance much over the past six year because Kanela had been relatively healthy, two separate episodes required emergency care, and Healthy Paws was fair, consistent, and responsive throughout. Although our premiums have increased annually and I haven’t directly compared them with other pet insurance carriers, they offered solid options when our dogs were younger, which is why I chose them. Based on our experience, I would confidently recommend Healthy Paws to anyone looking for reliable pet insurance with efficient claims handling and thoughtful customer service.
Insurer: Healthy Paws
By: Angelina Mavropoulos
Yaz was great and very helpful!
Yaz was great and very helpful!
Insurer: Nationwide
By: Krisann W.customer
Did not disclose exam requirement!
Nowhere during the process of selecting coverage did it mention I would need a medical exam performed on my dog. Exams aren't free. You require I pay for an exam that amounts to several months of insurance. I am not doing that. My dog is young and healthy, so I was on fence about getting any insurance at all. This requirement just made the decision easy not to.
Insurer: Nationwide
By: customer
Thank you Healthy Paws
Tremendous service and ease of use. Strong coverage. Easy to submit claims. Quick reimbursement. More years with my best friend.
Insurer: Healthy Paws
By: Jay Holladay
Ease of applying and everything was…
Ease of applying and everything was very clear.
Insurer: Nationwide
By: customer
BEWARE. Sold our policy after filing a large claim
We had Many Pets for a few years and when we were filing a few small claims they were amazing. Until our dog had to have a pacemaker placed and we submitted a large claim. They sold our policy the next renewal to Odie Pet Insurance. Although they won't admit that is why. But it you read the reviews for Odie you will see this seems to be a common practice. Puts pet owners in a horrible position as they have no choice to shop around once a pre existing condition is in the picture. I wish all the policy holders that had their policy sold to Odie like me, would have reviewed Many Pets as well. Whether they ceased operations or not in the US. It drastically impacted its policy holders selling the policy's to such a horrible company. Forcing those of us with preexisting conditions no choice but to stay. Do not use Many Pets
Insurer: ManyPets
By: Valerie A
Had a great experience with filing our…
Had a great experience with filing our first claim on having to get eye surgery done on our dog. Th claim was approved and paid out within 48 hours. Amazing experience. Thank you for making it easy while we are upset about having to get the surgery.
Insurer: Trupanion
By: Robert
Fetch Sign Up
Aileen did a fantastic job explaining pet coverage for my cat. She answered all of my questions thoroughly and was very professional.
Insurer: Fetch Canada
By: Zahra Kasamali