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.

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.

I have a 5-year-old golden retriever and have had Fetch pet insurance since a pup. I was under the impression that if you started insuring your dog from the beginning, your premiums would be lower than if you started at a later age. Well, not true. This year, my premium went up 50% to almost $2000 per year. Last year, the premiums went up 39%. When I asked Fetch why they are going up so much, she stated that older dogs are more expensive to insure. When I did comparison shopping, I found that basically I am paying market rate with no regard to being a customer for the last 5 years. I guess I've been educated. Incidentally, we have never put in a claim. Presently in the process of cancelling, which in itself has been a challenging process.

I would have given them 5 stars except for the fact that each year, the premiums automatically go up. Then there is a 10% discount if you are associated with an organization which we were. Rep 1 told me the new renewal price in June and what my discount price would be. Fast forward a few months and the price jump more than my regular price with not discount. Rep 2 said my renewal price is with the discount, but that means premiums jump19%. Not the fact that Rep 1 told me what the premium would be at renewal which is the price that it is at now without discount. I do not believe Rep 2 (Don) and know when someone lied to me. I also get these threatening email to renew or lose but I have until July 14 to renew according to my policy terms. I renewed for now but will look for alternatives. Too bad, I really like them, but don't like being lied to.

Fetch does well for a few years and then doubles the premium knowing other companies won’t cover preexisting conditions. They hate to see you go so they offer to adjust coverage to lower the premium. They’ve “Gotcha.”

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.

Very disappointed with my Fetch experience. I've always had pet insurance and I usually go with Petline but thought I would try something new. What a mistake. I have a mixed terrier breed and am paying over $200 per month now in fees. Randomly last fall, Petline said the pet care in my postal code warranted an increase that over doubled the cost monthly. Now that my dog is 10 years old, I didn't think it was a viable option to go to another provider. I've made one claim in the past 8 years (we got him as a rescue at 2 years old) and a 2nd claim recently that was denied because I was two weeks past the 90 day period. I have Petline on my big Saint Bernard and have had no issues getting claims approved. I would never use Fetch again.

TERRIBLE COMPANY. This company is incompetent. They won't approve anything and are terrible. Your denied claims DO NOT go towards your deductible. Something I wish they would have disclosed in the policy when signing up. My pet had a cough due to something completely different than what he is dealing with now, and they won't approve his claims of over $1500 because they think it's pre-existing. I even had my Vet write a letter claiming it was not pre-existing. Still won't approve.

What a nightmare. They don't allow direct billing. They don't allow you to just submit receipts, insisting on medical records to accompany every claim. And now I learn that they have a 90 day time limit which, if you miss it, they give you nothing. This is a dishonest company, making huge profits by keeping as much of the money that is owed as they can.

I have had coverage since 2020. After moving less than 5 miles away I updated my address and my policy was "re-instated" My monthly billing went from $85 to $127. When I called to discuss this I was told that my monthly payments were actually going to be $156!! Telling me that the $127 reflected on my online account is a "technical error." Monthly rate almost doubled for moving 5 miles!

Absolutely a waste of money. Stay away. I had incurred approximately -$3,600 in vet bills throughout 2024. Fetch's premium cost me about -$500. Fetch reimbursed me for roughly +$500. I cancelled the service after 9 months and figured I broke even on the premiums/reimbursements. Then, 5 months after cancelling the service, they send me an email asking to repay them another -$350 due to some 'internal billing issues'. This is 100% a money grab preying on pet owners that love their pets. Love your pets, pay the vet directly, this insurance is a scam.

Fetch rejected a cherry eye claim on my dog because he had cherry eye in the other eye during our waiting period which was repaired at my expense. We submitted all the documentation with a clean bill of health on the eye claimed. They required every scrap of paper then rejected it without proper review nor will they respond to emails or their complaint line. Completely ghosted and ignored. No resolution, communication no human and will not provide the insurance you purchased.

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.