Fetch Pet Insurance Reviews

I've had Fetch Insurance since June 2025 and filing a claim is a nightmare! Every customer service person I talk to says something different but I submit everything I have for my claim and exactly what I was told to submit. About 2 weeks after I file I get an email saying they need more information and are waiting to hear from my vet. There is nothing more to submit and after calling again and again finally I might get some compensation but I was just told after waiting way over a month two claims are closed because of lack of information. Two of my friends told me they also have Fetch and go through the same but they're going to drop Fetch and go to Spot! I'm going to try one last time to get these claims taken care of and I'm also leaving Fetch. It's very discouraging and way too frustrating and then you don't often get anything they say in the policy. They rip you off basically! My advise is to stay away from Fetch!

Absolute rip-off. We signed up with Fetch this summer for our new Mexican rescue dog. We submitted all requested paperwork and vet records that were sent with him from Mexico, and were quite extensive. Our account was approved and we received authorization to submit claims. In November our dog had his first claim, which was rejected as Fetch said we failed to obtain a vet check up in Canada or the US within 30 days of starting his claim. They continued to take our money each month, knowing that they would not approve any future claims. When I called to cancel, they refused to refund any of my premiums or acknowledge any fault. Zero stars. Scam.

If you're thinking of using Fetch Pet Insurance, don't. I've been with Fetch for nearly two years and recently decided to cancel my policy, which was set to renew on Sunday, 1/11/26. I attempted to cancel on Saturday, 1/10/26, the day before my card was to be charged. But because Fetch doesn't have their phone lines open on weekends, I was forced to use their chat to try to cancel my policy. After being told several times by a chatbot that I needed to call in to cancel my policy, I finally found a way to connect with a human. As expected, the human told me I couldn't cancel my policy via chat and that I needed to call in to do so. I then emailed the support team to attempt to cancel and was told the same thing: I needed to call in to cancel my policy. I was then charged $93.82 the next day.

We have insured two of our dogs with Fetch (formerly Pet Plan), one for 11 years (who is now 14) and the other for 5 years (he is now 10 years old.) They have paid most of our claims according to the agreed upon coverage, both large and small claims, including ER visits, imaging/specialists and major surgeries. Our premiums have gone up slightly every year, but increased significantly since the company was acquired by Fetch. This plan year the premium for our 10 year old dog went from about $180 per month to $320 per month! I cancelled the plan, as it is clear that Fetch no longer wants to cover our dog due to his diagnosis of a tumor on his spine. The premium for our 14 year old dog is now over $200 per month.

Run from FETCH!! Originally with Petplan, which was bought by Fetch. We have had our dog insured since 2015 as a puppy. Over the course of 11 years, we have made ZERO CLAIMS!!! Quarterly payments increased from $116...$161...$210...$260...$374... and now $502!!! DO NOT sign with FETCH. They will take your money and then price you out of your plan as your dog ages. Pet Plan gave 30% credits each year if you had no claims. Fetch rewards zero claims with a 94% increase in annual cost!! Honestly criminal.

We didn’t find much use for this plan so we decided to cancel. My wife went to cancel and thought she did but we still got charged. She called back and they said they need the main policy holder to cancel. But they didn’t tell my wife that when she initially called. They won’t refund us the months that we wanted to cancel and thought we did. Disappointed in the customer service.

If I could give this company a 0 I would. I have one of my dogs on this insurance and another with a different company. Each had their benefits so I thought I would try one each and see which one is better. Found out pretty quick. I rescued a pup and got the Fetch insurance right away because I never wanted to be in a situation where I could not afford the treatment. Thought it would give me piece of mind. I was so wrong. I have had him 4 months now and he is a very active sweetheart.

I can't believe this company. Our 8 month old golden retriever puppy is showing signs of elbow and hip dysplasia and needs corrective surgery. Fetch is denying our claims because he's showing signs in the first 6 months of his life, how that is relevant is unknown to me. I understand insurance and know that the surgery will be expensive but that's why we bought their highest level just to be sure we're covered. We're not at all. Nowhere in the contract we signed does it mention this and they are absolutely denying any wrong doing. Meanwhile our little baby suffers because of their greed. Stay far away from them, our poor little Rollo is doomed because of them.

Poor. There is a large deductible, and it is only a deductible for one issue. So, if you have a leg issue at one time, then a week later a heart issue, there is a deductible for each. And it resets each year. So most of the time it is unusable and a waste. We started at $25/mo and now we are at $260 per month (age 11). But over the years almost every item with our pet was routine and/or less than the $350 deductible, so the insurance wouldn't kick in. I would search for a better plan....

I have had no claims yet and have been with them since 2017. The monthly premium started out at $25, but it is now $72.07 per month. I recently had a vet bill over $500, so I thought to look into the policy. The deductible is $1000 and the maximum payout per year is $10000. So, I am paying nearly $1000 a year for insurance that really doesn't cover much. It makes no sense for me to keep this policy. We'll see how the process of cancellation goes.