Fetch Pet Insurance Reviews

Absolute scam of a company. They claim to offer comprehensive coverage and have denied every single claim I submitted. I have paid them almost $1,200 to date in insurance premiums and received ZERO coverage, despite the issues I submitted for being covered. We will be pursuing a charge back from our bank for all fees and cancelling our service. I tried to email them to understand why they did not approve our valid claims, and received a trash AI-written message that had 0 information and absolutely no way to speak to a real person. Avoid at all costs. They provide no invoices and have a horrible interface on their website as well, with a "chatbot" that leads absolutely nowhere.

Wow, this is a new low for Fetch. They sent me an approval letter for a routine claim as usual but after the 2-5 days waiting period the money wasn’t being deposited in my account. After over a week and an email thread of about 76 responses between myself and customer service (I think this person is higher up than the front line phone people) they are playing games with smoke and mirrors as to where my money is, even trying to insinuate that they reimbursed me 2 weeks prior to the approval of the claim. Just because it was in the same amount because my dog’s PT comes to the same amount biweekly. How dumb do they think I am? They are the insurance company! Shouldn’t they know this isn’t possible or even legal? I’m going to have to get involved with the CFPB, which is a huge headache if I ever hope to see this money.

Horrible records keeping, not very secure, too many hoops to jump through, keep requesting records they already have to delay actions. Fetch is a from all appearances and my experience over ONE deductible claim, they didn't even have to pay anything, a complete scam.

Complete and total insurance scam. Started Fetch Insurance in August 2024 paying approximately $50 per month and submitted a claim in March 2025 because I had to take my dog to the vet because she was vomiting. They denied the claim because they said she had been to the vet within the last 12 months for vomiting. Literally, anytime a dog gets sick, they vomit, even if the root cause of sickness is a completely different reason. This insurance company will always find a way to deny a claim. Avoid at all costs.

I've had Fetch Pet Insurance for my four-year-old dog since he was a puppy. Over the years, I expected small premium increases, but they just raised it dramatically—from $64 to $104—with only one day's notice! When I called to ask why, the representative simply said it was due to his aging. He's still only four! I’m extremely frustrated. I will definitely be looking elsewhere.

Very misleading company. After my insurance went into effect I had my dog treated for some nausea and diarrhea she had been having for a day. They denied the claim and informed me that since this was her first visit and record for them they would deny any future claims involving vomiting and diarrhea as this is apparently her baseline according to them. This after I had made multiple calls after they tried to dismiss my claim for not having a year of medical records on a dog I've had for 3 months. Their prices aren't bad but in the end I just ended up paying for both insurance and a full vet bill. Not a service I plan on renewing again.

I just got Fetch Pet Insurance last year 2024. Now they deny any claim I submit??? I went to BBB Better Business Bureau and they gave them an A+. I am so sad I did not go with one of the other pet insurances. You can tell all the good reviews were a few years back and probably submitted by their employees and they actually respond to those reviews. It is now 2025 and I will cancel ASAP. Each payment we all make each month just keeps them going, so they can hurt more pet owners. I can’t wait for word to spread and they go out of business. I wear a shirt to my dog park each morning that says, "Don’t get Fetch Pet Insurance. Ask me why." Luckily I live in a huge tourist town Las Vegas, so I can educate a ton of people. Keep spreading the news and I am going to BBB next to file a complaint.

I am absolutely outraged by the way Fetch Pet Insurance is handling my claim. I filed a formal appeal over a week ago, yet I have received no response, no acknowledgment, and zero effort to resolve the issue. I have emailed every available contact, including the claims department and customer support, and all of my messages are being completely ignored.

My dog tore a muscle and Fetch would not cover any of it! 3 weeks of submitting vet medical records and vet bills which they said were never received! Eventually they denied my claim stating xrays and sensation was not covered and his surgery to fix torn muscle was a pretty existing condition. Beware. This is a scam company.

Terrible. Please avoid this company. They raised my premium $110 per quarter and lowered the reimbursement rate because I made a claim last year. Very hard to work with, completely uncaring. I have been with them 7 years, my dog is 8, after filing a claim my policy was raised by 25% while reimbursement was lowered. I love my dog but I am retired and can't afford their Usury rates. Trying to push me off their coverage when I need them most.