Fetch Pet Insurance Reviews

I've had several different pet insurance companies and I feel like so far I've had the best coverage from this company.

The entire claim process was easy and the response was rapid.

So far my experience with Fetch Pet Insurance has been positive. So far claims have been reviewed quickly and approved expenses are paid quickly. Not always happy about the amount covered but it is insurance mainly for major issues. Also it can be related to not truly understanding what is covered and limits associated, but you are good at providing advise on how better to get more out of my insurance which is appreciated.

I disagree with Jocelyn **. I am canceling all 3 of my pets with Fetch! From my dogs history and from the IGNORANCE of her brain. I am done.

Fetch Pet Insurance makes economic sense as long as your pet is younger and has minimal illnesses and you want to minimize the costs of unexpected vet bills. Once your pet is older Fetch Pet Insurance will increase your premiums to the point that the required premiums are so expensive that it doesn't make sense to continue insuring your pet with Fetch Pet. As a professional accountant when I received my renewal policy for my 12 year old Morkie, I crunched the numbers and couldn't believe the new insurance premiums that were to be paid. I cancelled my policy immediately. So outrageous, so shameful.

I insured my elderly Australian Shepherd with Fetch for years. Then my dog developed cancer, and I learned how little financial protection the policy actually provides. My accident-and-illness coverage has a $5,000 annual payout limit, $500 deductible, and advertised 80% reimbursement rate. This year my dog underwent extensive cancer diagnostics and treatment. I incurred about $8,784 in vet bills and paid about $2,264 in premiums. Fetch reimbursed about $5,185, including wellness benefits. So yes, insurance saved me some money in an exceptionally expensive cancer year, but that is exactly when insurance is supposed to help.

Two things that have stood out to me, are the fact that their processing time for claims are far too long compared to other companies. The worst thing? The staggering increases every year in their premiums. Our premiums went from $1336 one year to $2252 the next year, for a dog that’s 3 years old.

The one time I called Fetch Pet Insurance, they didn't help. I am thinking about keeping them, but I don't know what they're good for or not. The one reason I had the whole thing was because it helped with vet bills. And they said, "You got this part. You didn't get this part.” They never told me that. When I first got in here, they told me, "This is all about this. And they help you with vet bills.” But they didn't tell me the rest of it, that you have to keep paying and paying for compartmentalized stuff. You end up paying a whole bunch. All you're doing is, with Fetch, when you sign up and pay your monthly dues, that's only for a minimal kind of insurance. I have not yet found a positive in that insurance. They have the medical that you can pick up. They also have the dental you can pick up. And they have this that you can pick up.

Fetch, decided to cancel my policy without notification with a phone call. Policy was set up with by an ex girlfriend which is an old email account that I did not know that the payment that wasn't going through. After almost 4 years of paying for insurance, I am now without a policy with them, because they couldn't give a simple phone call. My phone number was on the account that my ex provided. Truly, this company doesn't care about your pet, it's a money grab company only. This is completely wrong.

This is the most dishonest organization I’ve ever dealt with in my entire life. They lied on the front end about what they provide, and what they don’t provide. I bought the entire package including their wellness program, which is a huge scam. When I went to cancel, the lady offered me a $25 coupon for their pharmacy if I stayed. Keep in mind I was there for a year and I went to get payment for my dog spay and they only pay $250. But don’t forget the deductible which eats up everything and don’t forget that they will not pay for anything else.

Be prepared to pay your deductible twice every time you file a claim! Even if your pup goes to the emergency room doctor twice in one day, 500 dollar each time equals 1k dollars and they say it's because you renewed your policy last month but I have my policy on automatic payment so it won't lapse! Had the policy since Marchish 2025 never used until April this year and all of a sudden I renewed my policy! Makes no sense, why would this company take 500 for each claim! 70 payback is completely false and I'm done! Please send me to whomever has the class action lawsuit because this has to be theft by insurance! Double dipping thieves!

I've never left a bad review in my life but I would give no stars if I could. False advertising! My pets pre existing conditions were not covered even though the website clearly states otherwise. My cats are rescues and their upper respiratory infection should have been covered since that is seen as an exception. This was not the case after reassessment and all claims were denied. This is unacceptable.

When we got Lola, it was required that she have health insurance, and they said Fetch is the one that they used. If she was insured, they would only do a specific health guarantee on her because she's a toy Pomeranian. It's actually some kind of a lifesaver, so we just kept it. So far, it's been great. The first time that we used it, she wound up very, very dehydrated, and we weren't sure how that happened. So, we took her into urgent care, and she wound up having to stay overnight. We were reimbursed for so much. It was like 85% of her bill. So, that came in really handy.

I saw Fetch Pet Insurance online. At the time, it was the most decent insurance that was available that I could afford. I've been a policyholder for six years. Enrolling was easy. It was very to the point. It wasn't too intrusive, but it was easy to fill out, and it didn’t take a lot of time. There are a of couple plans out there that are better, but I'm gonna stay where I am.

I’ve had coverage since 2019 and my dog was a puppy. Just shopped around recently and found comparable coverage for 1/2 the price. Upon calling they NOW want to offer me a discount??? DO NOT USE THESE PEOPLE.. They are charging me to cancel my policy. My fault for not remembering the small print from back in 2019.

I have one dog and veterinary bills are very high, so it's best to mitigate the risk. I signed up with Fetch Pet Insurance and I have them for six months now. I made a claim once and the process was a little bit confusing on my part. I really would have preferred that it’d be streamlined. Also, I had to meet the deductible, so I was not happy with that.

I got a Maltese through a company that specializes in breeding dogs, and in order to finance the dog, I had to carry pet insurance for a full year, which is why I went with Fetch. I only had to use them one time and they reimburse your money in a timely manner. You just submit your pet receipt to place a claim online, and they’ll submit the amount back to you in a couple of days. If you have a dog of a specific breed, as I do, the vet bills are expensive, so Fetch will save you some money.

We had Pet Plan for years and were very happy with their service. We liked them so much, we took out policies for our 6 other animals and recommended the company to all of our family and friends. Then Petplan was bought by someone else and turned in Fetch Pet Insurance. The deductibles went from per pet to per condition. This means that you can expect sometimes thousands of dollars in deductibles in a matter of months, which is what happened to us. The reimbursement rates plummeted from 90% reimbursement to 70%. We weren't even given the option to pay more for the policy we had. The ability to take out a 90% reimbursement rate disappeared. The monthly cost increased of each policy increased. All in all, there is just not even any benefit to having this insurance.

Years ago, I made a decision and went with a pet insurance company that's now Fetch, and I got what I wanted. I've never had any problems. I'm ancient, so computers and I don't get along so well, but it's easy to get in their website and get my information. There's also always somebody to talk to or text, however one would wish. I'm so thrilled with the service. We had an experience where my dog needed a surgery. The total charge was $10,000, and they paid $9,000. I recommend this insurance to my neighbors. I walk my golden retriever, so everybody loves him and I get to talk to them. “Hey, do you have pet insurance on yours? You ought to do it. They take care of you.” I tell my neighbors to consider it and I tell them who Fetch is. They give me value for the money and it’s comfortable, so I like it.

I would use Fetch for anyone with a pet. If your pet has an injury or something that requires expensive veterinary care, it's very important. I purchased the policy, and the company that I purchased a policy with got sold to Fetch. They've done everything they said they would. I had a dog that needed surgery for a torn ACL or tendon, and they covered the 80% of what the policy said would be covered.

I liked the prices and all the free benefits I get along with Fetch. I was advised that it would be real good and their prices were very reasonable. I love Fetch to death. My daughter-in-law just got a Maine Coon and I told her she needed to get Fetch. They let you get certain things free. They also send you stuff to try out. I pay around $40 a month, but that includes my Cavapoo's shots. So, you can't go wrong there. He is a high-maintenance dog and he only gets only so tall. I know short little dogs have a lot of health problems. So, I keep insurance on him just to keep him all cared for. If I had to pay $100 a month, I would for him, because he's worth it.

I saw Fetch Pet Insurance online and I liked the reviews, which was why I went with them. The enrollment process was easy and I’ve had the policy for my dog for almost a year. I had options and got the best that was suited for us. The refund that you get when you do different services was one of the options that I chose. To file a claim, you submit your receipts on their website, such as for shots or when you get your pet spayed or neutered. Once you submit your bill, you have to enter all information and they may have questions. Then, they reach out to the vendor. If you’re going to have a pet, having pet insurance is extremely valuable.

I've had Fetch since it was originally Pet Plan. They were great...Until they weren't. They increased my deductible and decreased the amount of my coverage over the past few years. I'm a veterinarian and happily cover most issues without submitting anything but being a believer in having pet insurance. I keep it for the 'big things' including specialist visits. At this point, I'm paying far more than I'll ever see of benefit. I'd be better off saving the money for a rainy day instead of paying them. I'll be switching companies and I will not be recommending them to my clients.

I've had dogs for many years, and I know what it's like when you have one that gets really sick and you're faced with that tough decision. We chose not to be in that position and when I went online to look for a pet insurance, Fetch had some pretty good reviews. We went with them and have had them for at least four years now. We've had to use it once, and it was when our dog ended up in intensive care for a week. I didn't have any issues with their coverage. They're aggressive with their pricing, but they're fair.

I was very excited to have a pet, and since Puppy Source offered Fetch Pet Insurance, I read up on what they said and set everything up online. It was a simple task to do. If I have to file a claim, I use the app on my phone, and it’s just a fingertip away. It’s very easy to use. I just screenshot the bill and upload it, answer maybe three questions at most, and that’s it. They usually get back within 24 hours, letting me know it’s been processed or completed, so it doesn’t take long, which is a big plus. But when it came down to my pet’s visit to the clinic, Fetch covered some but not all, and there is a deductible that has to be met according to the plan. My pet is a Maltipoo with allergies, and Fetch doesn’t cover shots for allergies.

We adopted our dog from North Shore Animal League. They gave us two names of insurance companies that they use, and they said the best one they always use is Fetch. They explained everything and how much it would help with certain things, especially when he was a puppy. Even now that he's a year older, Fetch helps. They have been amazing. They've reimbursed me every time and answered any questions I had. They're right on top of it. When I call, they have very good customer service. Enrolling with them was very simple too. They were very nice and they walked us through it. It was the easiest thing I ever had to do when it came to insurance. Their app is phenomenal as well. You go on that app for anything you need, and you if can't find it there, you call the number they give you and you get your answer way before the end of the day.

I hadn't had a dog in 30 years, then I got blessed with our boy, Simba. I hear all these horror stories about dogs getting injured and paying $5,000, $6,000 for surgery. I don't have that kind of money if anything ever happened so I shopped around and I kept coming back that Fetch was the best of them. Enrolling with Fetch was real easy. I'm not really computer savvy and I usually have to have my 12 year old niece with me to help me through things, but I did it all on my own. I was so proud.

We got a puppy August of last year. We didn't even think about pet insurance, but in talking with my neighbors who got puppies also, they all have Fetch. One of them did the research of all the pet insurances because they had a major issue with their dog that they had to take care of. It was a surgery. He said he submitted the claim, and there were no questions. Fetch paid it. We looked into Fetch and signed up as well.

I got a pet, and I never had a pet before. My friend told me about her insurance which was Fetch, that it was really good and affordable. I looked up the reviews online, and I liked it. The first week that I had my pet, I had to pay out-of-pocket for his checkup, vaccines, and a lot of exams that he had to make sure that he was a healthy puppy. They also told me that he needed a second round of vaccines in a couple of months. Paying out-of-pocket was gonna be a lot and painful every time I come or if he gets sick. I thought I'd rather pay the insurance so I don't pay 100% out of pocket.

I got a new dog, and I had heard it was important to start the dog young on pet insurance. I checked out Fetch and a bunch of other providers, and Fetch had the best coverage for the price. So far, it's been good. I've used it to cover certain costs for annual visits. When my pet was neutered, I was using Fetch at that time, and the payout worked very well. I paid for it then I got reimbursed. My only question is how much is Fetch per month?

This company is a waste of money. They do NOT pay out claims - they are difficult to deal with - and to be honest - they are a total scam. DO NOT USE THEM!!!! You pay monthly - then when you submit a claim - they deny it. I have tried with 2 pets - and they won't pay - for no valid reason. I don't think they ever pay out any claims!!!!

I was online for a pet insurance for my new pug baby. I have perks with my job and I was doing a comparison between that one and another one that they offered. I signed up with Fetch and whenever we have to file a claim, everything is done online. We submit the receipt via the app and they determine what's reimbursable and what's not. Then they reimburse us through the account which we pay for insurance. I'm grateful to have the insurance to help offset some of that cost. I have two children, and having a pet is like having another child in the house. I would recommend Fetch though what's reimbursable for and why is something I would want more of a conversation with. I want to get explanation on what makes certain things reimbursable by that amount or this amount, as opposed to full amount or different percentage of amount.

I adopted two cats and within two weeks, one of the cats swallowed something and had an obstruction, and it cost me over $5,000 to rectify the situation. This led me to look for pet insurance and at the time, I liked Fetch Pet’s cost. But it has gone up since then. This will be my second year with them and the insurance has been very valuable because I had to use it a year later. Overall, it was a good experience. It was quick and painless.

The first year I had Fetch insurance it was great. Fair coverage, clear EoBs, good customer service. The second year it all went the other direction. They rejected many claims, their EoBs are cryptic, and the cost skyrocketed. I have not gotten a fraction of the payouts I should have. When I tried to cancel, they rather bullied me, in the most pleasant way [read: manipulation], to continue. TRY ANOTHER COMPANY, FETCH IS NO LONGER WORTH IT.

They denied my claim for my dog's annual exam and heartworm prevention because I took her in four days before the new policy year kicked in. They refused to override the denial over the four days so I canceled the policy. I had been paying them $78 a month for the year. Fetch essentially stole money from me for a whole year and then refused to pony up the $110 they should have reimbursed me. What a waste of money. I am absolutely disgusted with them. They don't care about my dog. They are just like any other insurance company who do whatever they can to deny claims.

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.