Fetch Pet Insurance Reviews

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 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.

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.

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.

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.

I've tried to cancel my insurance with this company 4 times over 6 months and I keep getting the run around!... You get a answering service... You can't talk to anyone to cancel your policy. You have to wait for them to call you back... I had to go to my bank and cancel my credit card just to get these people to cancel my account, I've had their pet insurance for over 3 years., They make it very difficult for you to cancel your policy. And I never had one claim accepted.

The issue with Fetch is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage.

Unfortunately I had to cancel my policy because my beloved cat, Samurai, passed away. I spoke with Danny, who was so understanding and kind. He cancelled the policy for me. During my time of having Fetch, I've had wonderful experiences. I would recommend.

If I could give zero stars I would, this company appears to be on savory tactics. I was increased 150% and a premium that I could not afford because my dog got older and they tried to convince me that it was New York State law and not them. I would stay away from this company at all costs before the same thing happens to you. I am now searching for an honest company and hope to find one.

I just received notification of a rate increase that is 41%. This is insane! I will be canceling my policy as I can no longer afford to have my dog covered. They did this years ago when I covered my previous dog and I couldn't cancel because of a pre-existing disease so had no choice to continue and pay the ridiculous amount. Fool me once, shame on you! Fool me twice, shame on me, should have went elsewhere!

Absolutely the worst company I’ve ever dealt with. To say their customer service is terrible would be a massive understatement. When I expressed dissatisfaction and asked for a survey, I had to contact them four different times. They “sent” it four times—none of which ever worked. An agent even joked that I could tell her my complaints and she’d “pass them along.” Obviously, when you’re unhappy, they make sure you never actually get the survey.