Fetch Pet Insurance Reviews

Fetch treats your pet like a car. Unfortunately, Fetch had to payout more in the first year of my policy than I paid into it. I had a $300 deductible and 10% copay. I received notice that Fetch is changing my deductible to $500 and 30% copay upon renewal of my policy in February 2025. I was expecting them to increase my premium like they always do. Fetch will not reduce my deductible and/or copay for even a higher premium. God forbid your pet had cancer, which would be very expensive. Fetch could cancel your policy or make it cost prohibitive upon renewal. I should have listened to all of the negative Fetch reviews. Contrary to what they say, your policy and/or your premium is not dictated by the breed and location. It is dictated by the $ amount of the claims you submit. I am looking into other plans.

Avoid this company at all costs. My premium has went up 500% from age 1 to age 7 and I've never put in one claim. This company makes it so painful to pay the premium as time goes on so that you cancel the policy like I did. It's a total scam. If I would have never paid them and saved it, I'd have more than enough to cover the max of their plan and my dog is still relatively young. Don't listen to people who have put in a claim that got paid because I would almost guarantee that it's about 5% of the customers while the other 95% of the customers are not and allowing this company to make it rain in money.

Fetch has violated my human and Charter-protected rights as a disabled person by denying a six-day accommodation for a delayed claim submission, which was due to my cognitive disabilities. I filed a claim with the HRTO, to which they initially failed to respond. When they finally did respond, it was to request an extension of the response deadline amounting to an astonishing 67 days. The hypocrisy is glaring. Upon responding, they escalated their stance, reinforcing their ableism and discriminatory actions. The level of blatant ableism exhibited by Fetch is appalling, reminiscent of a bygone era. Their conduct has been profoundly egregious. This case is ongoing.

Beware of Fetch Pet Insurance - Dishonest and Fraudulent. I had a terrible experience with Fetch Pet Insurance. They provided a specific deadline on their website for claim submission, which I followed exactly. After submitting, they turned around and claimed the actual deadline was the day after what they originally stated, resulting in my claim being denied. This feels like a deliberate scam to avoid paying out claims. If you're considering pet insurance, avoid Fetch! They engage in dishonest practices and seem to mislead customers on purpose. Absolutely frustrating and untrustworthy. Do yourself a favor and look elsewhere.

I am the Doctor of Veterinary Medicine. I unfortunately chose Fetch pet insurance for my own pet. They are very difficult to deal with. They're very slow to pay claims, and you have to submit everything more than once and it still takes them well beyond their two week stated payment time frame. I have had claims waiting for more than a month. I cannot and will not recommend this to my clients because they are so difficult to deal with. There are better insurance companies out there.

Fetch refuses to cover claim based on arbitrary interpretation of their policy. You do not want to have to fight with them when your pet is suffering. Read up on other's experience of random ballooning of deductible and lowering of coverage, and of course, they will charge you more!

Very Expensive, Claims Denied, Must Cancel to Speak with Customer Service. My first and only claim took 30 days to process and was denied. It was denied because I hadn't had a wellness check up 90 days prior to the claim date. You also have to wait two weeks once the plan is active before you can submit a claim. So they get two weeks pay without having to work. It's all for the benefit of themselves not the customer or the pet. I canceled the plan. They refused to refund any of the two months I already paid. I did some searches on the Internet again wondering how I missed how bad they are and found most of their reviews are paid reviews. The customer reviews you have to dig for like in Yelp, where they receive a 1.5 star out if 5 being poor service. One guy said they are a complete rip off and I agree.

I have had FETCH pet insurance for my currently 6 year old dog since he was a young puppy (back when it was PetPlan). I have submitted numerous claims for him for various illnesses and accidents over the years and every claim was handled smoothly. Yes, premiums go up annually and there is nothing 'cheap' about pet insurance, but I figure it is the price to be paid for knowing I can afford to give my pet the medical care he deserves should the occasion arrive (and they often do which is why insurance is not cheap). The online submission system is easy to use and reimbursements are deposited in your bank account quickly. Just be sure to ask for both the invoice and medical records (2 separate pdfs) from your vet to submit with your claim.

FETCH deserves zero stars! We were loyal customers for over a decade and our one and only claim for our dog's "end of life" care was delayed and denied. They actually separate out the "body care" from the medical procedure to ensure the deductible is not met. Customer service is terrible and almost impossible to reach by phone. For a disabled person who lost his Beloved therapy dog, this was extreme cruelty. Avoid this heartless insurance shark!

I rescued a older dog from a testing facility, paid for fetch insurance and waited the waiting period, then when I submitted my first coverage I learned AFTER the fact they don't insure older dogs that you don't have the complete history of their lives, on top of that there is no HUMAN you can actually speak to during the process. I do not recommend fetch. Their business practices do not support animals that truly need coverage, fetch, like all insurance companies are in it for the fees you pay, not the health, safety and peace of mind our pets and we deserve.