Fetch Pet Insurance Reviews

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.

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.

WARNING. WARNING. WARNING. If I could give a negative star rating I would. To start my premium went up over 60% this year which is insanity. Their website is an absolute horror, it does not give you any information on the plan that you are paying for. When you submit a claim it feels like you are basically reimbursed for whatever they feel you should receive (if you receive ANYTHING)! Stay away from this company!

There is a problem with this alleged great insurance NOT. My Vet has given them a year of SOAP notes and I got one claim paid. It took a couple of months. Then I submitted two new claims.. They keep saying they need other soap notes, but it is a game.. They just refuse to pay simple bills. 5/23/24 $161 and 7/8/$124, ear infection and a rash.. That is pretty straightforward. They have what they ask for. Now they want another year ago, which I sent already. I will not harass my Vet any longer as they are very busy with sick animals. All the pre paperwork should have been already processed as I noted.. Their website is not good either. I have spent so much emotional and physical time of this.. Whatever they get, it is never enough. DELAY for two weeks at a time. They do not live up to SIMPLE and EASY QUICK PAY. No, not true. Be very careful. I am now losing $$ with autopay.. which they have no problem taking.. I am done and at a loss..

Been with them from at least 2019 to 2024, they signed me up for a competitively priced premium but jacked up the rates each year until I'm paying 1000$ a year for two domestic shorthair cats with no medical issues. Until now I've filed only 1 claim, for an xray on a swollen limb 4 years ago (~300$ payout), so it seems legitimate until recently I filed for reimbursement on a 1000$ vet bill for a possible bladder infection. Denied it this time; they found some technicality relating to the timing of filing notes. Over 5 years of paying them, but they're going to weasel out of some loophole when it comes time to pay you back. I've found a new insurer, for less than half the price, with loopholes, claim windows, and only a 3/14 day wait period on accidents/illness, which I won't mention for impartiality but, Fetch is a grift.

I don’t care about my plan fees increased from $40 something monthly 10 years ago to over $300 monthly nowadays. Coz I believe the plan can provide coverage for my pet. However, when my pet past away last month, I called them and asked them about the coverage. The representative told me it covers max Hi CAD$1000 and deductible is not applicable in final payment. Vet advised the total final payment is around $800 and therefore I believe my insurance will cover all.

They are a scam. Do not waste your money, time, and energy on them. I have submitted multiple claims for regular doctor visits and different health issues my dog was going thru over a course of seven months, submitted all kinds of detail docs/notes by myself and directly by the Vet’s office, and none was approved.

I purchased pet insurance when my dog was below one year old especially when the insurance advertisements stated “locked-in premium fee”. I trusted the statement but my premium went up without any notice. Fetch charged my card without informing me why the premium had gone up, no reasons were given. Hidden and surprised charges. Very unethical.

I have been with Fetch since February. They are pretty good. However, their claims process is a joke. Not sure why it takes two weeks to pay out a claim. It’s not like human insurance where certain codes are needed. I submitted my paperwork about an ongoing issue with my dog, and the paperwork from the vet stated it was a check and to continue with the current meds and redo a chest X-ray in 30 days. They’ve continued to cover what the policy states but now are dragging their feet to pay the recent claim. I’m sorry my dog ended up with fungal pneumonia but that is why we have insurance. Once this is cleared up, I pray he stays healthy so I just have to worry about shots.

As a person who grew up in a family business and through out my adult life I’ve owned and worked in eight of my own, I do not call a company out for poor performance lightly. In April 2023, I brought a puppy into my life, and purchased Fetch Pet Insurance. Harrison was one year old February 16, 2024. He had the first Vet examination as required within days, his vaccinations on time, and neutering, within the first six months of his life. He has never been sick, he didn’t require any other services. On March 7th, 2024 he ingested a prescription med when it hit the floor. I took him to an emergency pet center, they kept him overnight with fluids and observation. The invoice was just under 2K.

Last year I had realized that I had a duplicate account with Fetch that I had been paying for since I got the policy. I called and asked them to cancel one of the policies. They ended up cancelling both policies. I called and told them they messed up! I only wanted one of the policies because we only had one dog at that time. They ended up refunding my account for two policies. Today I got a call from a chipper lady named Lindsay to let me know that they should have not totally refunded me because they had paid a claim prior to cancellation. She said I owed $1,032.19. I told her that it was Fetch's mistake not mine. She said what could they do to make it right. I said make so that I don't owe you nothing. Anyway she said in her oh so chipper voice that I had two weeks before it is presented to collections. In order to cut ties with Fetch, I went ahead and paid the money back. I told her I use to talk very glowingly about Fetch Pet insurance. Not anymore. I am quite happy with Nationwide. Thank you!

My experience with Fetch was poor. First, they wanted to charge me to reimburse an expense via check. They sent repeat emails urging me to sign up for direct deposit. However their app was so clunky that I didn't have a lot of confidence in their tech capabilities, let alone their cybersecurity. I wasn't going to give them my bank account info. But if I didn't sign up for direct deposit, they said they'd charge me $3 per check for any reimbursement. And they didn't tell me about this until after I signed up for the insurance plan.

In 2017, I became a policyholder under the provision of pet insurance for my Yorkshire Terrier, opting for the plan with unlimited coverage, a 90% reimbursement rate, and an annual deductible of $150. Year by year, I have endured an increasing premium payment, averaging an 8% increase annually straight from 2017 through 2022. Please see the detailed analysis below:

I have a French Bulldog and chose Fetch Insurance because they advertised coverage for breed-specific issues. My dog, who is now two years old and brachycephalic, had experiencing recurrent regurgitation. When he was a puppy at around 6 months old, we were unaware of this condition, as he is our first dog. We took him to the vet to investigate, but at that time, he was not yet insured. The vet recommended a specialized hydrolyzed food to test for allergies. We then enrolled in an insurance plan when the dog turned 8 months old.

When my dog turned 6 they doubled my insurance, and when he turned 8 it tripled. No one from Fetch would help me find an alternative plan and there is zero customer support. I had their insurance since he was 1 with no major illnesses and claims. This past month the insurance went up to 2700.00 a year so I cancelled. I got quotes from other companies and none of the other companies were this high.

I have 3 policies with Fetch (formerly Petplan) with the oldest policy est. 2018. My oldest dog with no payouts since 2018 (payout was a couple hundred dollars), her annual premium in 2024 went from $501 to $1,710! Switching to USAA. Not waiting to see how much they raise my premium on my other 2 policies. If this is the way they treat long-time customers with multiple policies, can't imagine how they treat new customers. STAY AWAY.

I had four senior pups. One of my pups Tinker was misdiagnosed three times and finally was diagnosed with a tumor on her spleen. I had unlimited limit for insurance so I submitted claims to help save her life. I was rewarded by Fetch by having her downgrade her policy when I had to renew. They cut her policy by 50%. So unlimited means limited if you use it. Tinker unfortunately died 2 months later. The anxiety level increased with my three other pups trying to establish a strategy that would keep their policies the same. I downgraded to 25,000 hoping that fetch would be satisfied. I only use insurance for regular visits to the acupuncturist every 2 months and cold laser therapy twice a month. Other vet visits I paid out of pocket fearing that I would have another congratulations letter rewarding me with another downgrade.

Fetch uses dark patterns to trick and manipulate consumers into buying their insurance! They communicated my pet's insurance policy's effective date. The next day, they sent me an email named "coverage update," notifying me that my pet's illness and accident coverage, which is the core of the policy, would start only 14 days later. This means that my pet has no insurance for 14 days! They said it is (buried) in their terms and conditions while conveniently choosing not to make this substantial information available on the enrollment information page. I canceled my enrollment, and I am looking for another pet insurance company that is transparent with consumers.

The monthly premium has more than doubled in just 2 years. My dog is only 5 years old! Can not imagine how much they are going to charge as she reaches an age where the insurance is actually going to be used. I have not made a single claim. You can't even cancel the policy online, you have to call in.

Horrible service and coverage. Their requirements for claims and reimbursement are illogical. They denied our claims because we don't have a full medical history on a 4 month old adopted puppy. She's from a shelter. There is no medical history. Even still, they would not cover her vaccinations.

Call me a curious cat as I saw so many 5-star reviews here. I'd leave zero if I could. I've been a loyal customer for over two years, faithfully paying premiums with the expectation that they would provide comprehensive coverage for my beloved cat's healthcare needs. However, my recent encounter with this company has been nothing short of frustrating and disheartening. My cat recently underwent tooth surgery. This procedure included a blood test and anesthesia administration, both of which were explicitly stated on Fetch's website to be covered under their policy for "every tooth." To my astonishment, Fetch denied my claim, citing it as "preventive care." This reasoning directly contradicts their claims of covering "every tooth" and renders their policy not only unhelpful but also inhumane in its refusal to cover necessary medical procedures.

The Fetch Pet Insurance is an easy way to rob people in need that loves their pets. The customer service line is terrible. You can't get through with a live person. I have Fetch for 2 years now and the first time I submitted a claim because it was an emergency my claim was denied. I sent the all documents they were required and their answer was a nonsense response for the denial. It would be nice to know before I spend thousands of dollars that FETCH TRULY DOES NOT COVER ANYTHING AND THEY JUST STEAL YOUR MONEY.

I had been a a Fetch Dodo client for many years. I paid my insurance bill for my two dogs on time every time and never made a claim. Recently, I moved from one neighborhood to another (12 miles distance). When I called to update my address, they raised my premiums over 100% even though I moved to a very safe, affluent area. In other words, I was significantly penalized for moving. Their own customer representative even agreed with me that I should terminate the policies after he informed me of the crazy price increase, and he was unable to explain why that happened. I find that to be very suspicious and indicative of disgusting corporate greed... especially given the fact that I have been a long time customer that has only given them money and never cost them a dime. "Untrustworthy" is the word that now comes to mind when I hear the name of this company. If you become a customer, don't move because it's going to cost you BIG time!

I have had nothing but problems with this company. Prices go up every year. It has gone up 4x the amount and I have a healthy 4 year old dog. Finally decided to cancel and I feel SO relieved. This is after finding an unauthorized charge on my credit card. Fetch claims this was a separate tax charge. Never in my life has any company charged separately for taxes so I believe this is a lie. My main issues are lack of responsiveness and slow communication. I've spent hours waiting for responses from agents that don't seem to know what's going on.

FIRST, it is impossible to get any information about cancellation. This is a terribly practice. I should be able to cancel my policy right from my account under billing. Instead, I search the help section and can’t find any information. Then I have to go through a million different chat options with your terrible bot just to get ahold of someone. I’m given a number and it’s busy every single time a call. By the time I get ahold of someone on the chat, they don’t answer me for 20 mins. By then I’ve done other things and I come back to the chat to see I’m disconnected. This is the WORST customer service I’ve EVER experienced. This needs to be fixed ASAP. I’ll be leaving reviews and reporting this company to the BBB!

(In Canada) Fetch by the Dodo (previously known as Petplan) is an unethical, untrustworthy and horrible company. For someone who is planning to enroll pet insurance, it’s better to avoid this company. I enrolled the pet insurance for my dog aged 3 months in 2021. At that moment, there was no medical check up report request but I was asked for it when I submitted a claim after 4 months because my dog got diarrhea. I felt upset and frustrated as there was no point to get a medical check up report after a vet visit with spending additional $200 for claiming $150.

Pretty sure this is a fraudulent company. The ONLY way they’ll cover anything is if you purchase the insurance the day pet is born and DOESN’T have any issues. I bought a Bichon pup that was 1 yr old, he came from a home where he was neglected. The day after a got him I took him to vet because he had issues from being not cared for; ears filthy and urine scalding on his belly. Also, born with congenital phimosis.

Fetch is a total scam. We filed a really small claim for our dog, the first one in multiple years with Fetch. We called 12 times and each time we were told our file was complete and awaiting review. 6 months later, no response. We called again and the agent said "I think it's not going to get reimbursed". We asked "Why" and the agent said, "Well sometimes claims get lost in the system and passed around and nobody ever reviews it. I can't make a new one as the vet records are already assigned to this claim." We asked what we could do and she said, "nothing, you have to wait". Our vet called, our lawyers called, every time we are told it's awaiting review. This is from Fall 2022. Don't waste your time, they won't reimburse you, even for a small thing.

I adopted my 4 year old, healthy female cat from the SPCA on 12/28/22. I purchased insurance from FETCH on the same day. On 3/9/23, my cat became ill. I called 3 vets to get an appointment. The soonest available appointment was in 4 days. Rather than wait, I took her to an urgent care Vet on 3/10/23. I submitted the Vet's paperwork and receipt with my claim within 2 weeks of her visit. I received a request from FETCH's claim reviewer about 2 weeks later. To complete their review, FETCH needed evidence of a recent medical exam that would indicate she was in 'good health' dated no more that 6 months before the date of her urgent care visit.

Strike my earlier complaint. They adequately resolved the issue and clarified confusion. We will continue to use their services moving forward.

We have had Fetch since we’ve had our sweet Labradoodle Lucy. She is our first pet so we have no comparison. She has developed Cushing Syndrome which is expensive, and having good insurance has been a blessing. Claim filing is easy and quickly completed. They keep you informed throughout the process. Thanks Fetch!

I have been with them since 2017 they are affordable and fair about claims my dog had surgery on both knees when she was 6 they covered all the medical and follow ups. They have the best customer service this is the company you want to have if there is an emergency. My fur Babies are my whole world I have two and have recommend them for years my family uses them thank you for taking care of my babies.

My 1 year old Havanese Lizzy started having urinary issues so I took her to my vet & she was put on antibiotics. After 5 days there was no improvement so they did a urine test & then a x-ray & discovered 5 stones in the bladder & recommended surgery. She had the surgery & came out of it with everything being okay. Fetch paid everything that my policy outlined without question & in less than 2 weeks of the money was deposited in my account. I would definitely recommend Fetch for their professionalism & quick response during a difficult & stressful time. I had a different insurance company with my last dog & they were by no means as good.

Fetch absolutely came through for my sweet little dog Ruby. She had severe patellar luxation in her back right knee that was inhibiting normal activity, and she isn't even two yet! I am SO glad I got this insurance for her when she was just 3 months old. It is easy to file a claim, and I received responses and updates via text and email to let me know the claim was in review. Within less than two weeks I had 80% of my total surgery cost deposited straight into my bank account. I have been recommending Fetch to everyone I know! SO grateful and pleased with everything about this company!

Fetch has processed my claims in a timely manner and it was very easy to do! I highly recommend them!!! They have wonderful customer service and I haven’t had any issues with them not covering my claims for my kitty that has been sick. I’m very happy with them!

I’ve had to make two claims now since having Fetch. Was very easy to navigate and I was reimbursed fairly quickly. I love Fetch and I am thankful to have it when I need the coverage. I also really like the app!

This insurance is great!! When you have any issues with your pet and you sent a claim they pay you back immediately. My dog has a surgery one year ago and this year she had skin allergies, I sent the records from the vet and the invoice and I got my money back in less than a week. I recommend one hundred percent.

I was so happy that I had Fetch Pet Insurance! I only got a policy this September before my Sweet Rosie got sick in October of 2022. They paid all my three claims promptly! Can’t say enough good about them! Again, thanks Fetch Pet Insurance ****

I am amazed with this policy & the customer service. I had gotten this (very hesitant) thinking I would never use it because my dogs were perfectly healthy.. Almost a year later my one pup was diagnosed with kidney problems. She ended up passing after a few weeks. It’s still very hard.. This company was so so helpful making sure I could get all of my information to them to make sure I got reimbursed for what I could with my policy. It did take a while to get reimbursed but I had a ton of claims. I mean I was putting in a claim like every 2 days. So I expected that.

I found this company to be excellent in communication, fast payment and great customer service. I would highly recommend this company. They contact me to let me know they received all the claim and let me know when it's being worked on and when payout is made. It doesn't take long for the claims to be taken care of. Thanks so much.

I was with Petplan (now Fetch) with my previous dog and now my current dog. I've never had any issues. The claim process is super easy and the wait time for reimbursement is quick especially with direct deposit! I tell everyone who gets a puppy to get insurance with Fetch.

The response on all of my invoices that I have sent them has been quick. Although I am new to this insurance, I am learning quickly what I can be reimbursed for by their continued text messages. I would highly recommend them as insurers for your new pet. Thank you.

I highly recommend this company to any pet owner. You never know if you’re going to have a sick pet and you have to take them to emergency care and they have to run a bunch of tests to find out what’s going on with your fur baby. They are very thorough and prompt with processing claims. I would recommend this company to all pet owners.

I have had this Insurance since my sweet girl was a baby and just recently had to use it. They gave me no hassles and paid within a reasonable amount of time. If you are looking for a great pet insurance this is it! GREAT TO HAVE!

I signed up for Fetch insurance hoping and thinking I wouldn’t really need it for my newly adopted cat. Only a few months later she fractured her leg and needed surgery. Everyone answered my questions + concerns promptly and less than a week after submitting claims I had money back. I have already recommended it to everyone I know!

My claim was rejected .My vet prescribed medicine which was previously accepted before. When we contacted them, the girl had no answer and said she was going to pass it on to someone else. All I got was a rejection.... No explanation to why. It was approved in the past but for some reason denied now.

Fetch always gives me the peace of mind knowing that I will be able to do anything possible to help give my boys the best care possible! Knowing that so many services are covered including complementary medicine makes it possible to do everything you can to help your pet get better and live their best life!

We had an incident just weeks after we started with Fetch that cost thousands of dollars. Fetch paid every bit of it, less the deductible and co-pay we had agree to. Very honorable and paid all of what they said they would. Very much appreciated.

I was pleased that the insurance paid what they were supposed to and pretty quickly. I do recommend it to other dog parents. Certainly worth it. The premiums are reasonable. I did need some help sending over forms but I did it.

I needed to have surgery done on my dog. He had a growth on his belly and eyelid. My dog had the surgery and everything is great. My claim was paid within 72 hours after it was processed. The service was excellent. I highly recommend them.

I have been very impressed with Fetch pet insurance. I appreciate the ease of submitting a claim and the speed with which the claim is addressed. This is the first time I have purchased pet insurance, I highly recommend Fetch!

The claims have been handled and processed in a timely manner. This is my second year to have Lily my puppy to be insured with Fetch and will of course stay with policy. I am happy that I have purchased insurance for my puppy. It’s a piece of mine and sense of security that she will be in a good place and medical care when needed. Thank you.

Very pleased with the outcomes of my pet claims. I received my funds fast. I highly recommend Fetch! I did enjoy how quickly I could upload my documents. I would recommend this pet insurance to anyone who wants to have the peace of mind to help protect their pet!

The claim submissions is a fast process, they have a great application that is user friendly. This service has saved my dog's life many times. I recommend it to all dog owners. Price is reasonable and definitely worth it. Note that they don’t offer preventative treatments such as flea treatment or specific dietary foods.

I love the fact this company makes filing a claim so easy!! It’s stressful enough having to take your beloved fur baby for emergency care and cost that comes with it. Thank you for keeping the process quick and easy. I recommend Fetch to all of my family and friends.

Membership too high for two dogs. If one dog's insurance runs out, should be available to use the others dogs. Why should my dog suffer if I am paying insurance so high. It's been hard year for me, these are just not dogs, they are my children.

When the app had a glitch, I was able to talk to a representative about processing a claim. He handled the processing for me over the phone, so it all went forward. The app for Fetch is usually easy to navigate, but that day it did not. Nothing better than a helping hand, Thank You again.

My cat couldn’t urinate on his own and he was at the ER for 4 nights, it was totally unexpected and a huge amount of money or if I treat him, he would die. Within the same month, my dog found cancer-like lump on her ear and needed to be removed. My payments got transferred immediately once they approved, the whole process was pretty easy and straightforward. I am thankful for them, they are not playing tricks and try not to pay you. And, I honestly think everyone needs to get their pet insurance. It could be choosing between thousands of dollars or death.

Everytime I have reached out to customer service via chat they have always been incredibly helpful at resolving my problem. Also, claiming is exceptionally easy through the app and I am always bragging about how easy and how much I can get covered through my insurance provider. I have never regretted choosing Fetch as my provider and I will continue to refer my friends!

I have a seven month old puppy that I got the insurance for. She’s had to be to the vet twice and both times the insurance paid what they said they were going to pay. So glad I purchased this insurance for her!

Our Golden Doodle became very sick with blood in his stool. We had to visit the emergency vet and he was administered fluids, antibiotics, etc. We provided all the required information To Fetch and received a check directly deposited into our account wishing a few weeks. I could not ask for a better insurance for our pet.

It’s great having peace of mind when it comes to my sweet rat terrier, Ollie Hopnoodle. He’s been having stomach issues the past year, and I don’t have to worry about taking him to see the vet when he needs to. Once I get the receipt and doc notes from the vet, the claim takes all of about 60 seconds to file on the app. Fetch let’s me know the status of my claims and handles them promptly. I’ll always have coverage with Fetch for my fur baby!

When we had a tooth problem with our 1 yr old Bengal (Bo-Katan), Fetch covered the issue promptly. Also Bo-Katan was attacked by an owl while sitting on our deck. Fetch coverage the injuries thoroughly. It's comforting to know we can keep our 2 Bengal Kitts healthy without breaking the bank.a

I have had Fetch Pet Insurance since I adopted my Shepard husky mix and it has been an absolute godsend. Chevy has gone through two major surgeries. It was a seamless and fast process to review and receive the funds back. I have nothing but great things to say about Fetch! An honest to goodness life saver!

Aprox 2 yrs ago we purchased the "Deluxe policy". According to the advertisement they ran and is currently running on CAffairs site "What isn't covered" does not exclude bug bites and any resulting illness caused by bug bites, yet after 1.5 yrs our dog Lexi was bitten by a mosquito that caused heartworms [vip to note we have religiously gave lexi heartworm pills monthly to prevent heartworms, yet as the vet explained they are not 100% effective] and yet Fetch rejected all of our claim from vet visit, vet required testing prescriptions and care to cure the illness.

Please be mindful of this fraudulent company. I cannot believe they are in business still; it's a shame we let ourselves be fooled by insurance companies. Thinking they have our best interest at hearts. Not only did they take my money but when I needed my insurance for my bed for a visit they denied it. Waste of money and waste of time on a terrible company. Hope more regulations will be administered to this company and they will be penalized to pay back all consumers.

Our Morkie was diagnosed with bladder stones back in April of 2022. We tried to solve the issue with diet, but 6 months later the stones were still there. We went and got a 2nd opinion, and he had the surgery to remove the stones in October. Fetch processed our claims in a timely manner and we were so pleased with their services and support. I would definitely recommend Fetch (and already have) to anyone looking for pet insurance. Thank you, Fetch!

I was a customer with Fetch, formerly PetPlan for 11 years. I finally bit the bullet and cancelled my membership today after being treated horrendously over the last four years or so, after the company exchanged hands. I really would like to understand how it's received four stars on this website. It's terribly unfortunate that innocent pet owners do not have an accurate depiction of this company and get lured into believing this company has their and their pet's best interests in mind. They do not! Once a pet has a previous condition you can't leave and have other companies provide any coverage for that condition. I waited as long as I did to leave for this exact reason.

I have been a customer of Fetch (formally PetPlan) since my Lab mix was a puppy eight years ago. I now have two more pups that I signed up, 6 yr old Beagle mix, Chip, and a 2 yr old Dachshund, Salsa. Just this past summer my Lab mix, Pretzel, was diagnosed with cancer. It is heartbreaking. But because I have Fetch I was able to submit my receipts and Vet diagnosis for reimbursement. It has greatly relieved our anxiety. So far we have been reimbursed a little over $2000. And we are not finished. Once approved it's easy to submit the claims and get reimbursed. In my case it was the next day. Because of Fetch we can focus on our pup’s treatment and not the financial situation.

Our dog had to have 3 procedures in a short 2 month period. Fetch makes it super easy to file your claim and they reimburse very quickly. Easy user friendly website with 2 options for you to receive payment. Highly recommend!!

I have had pet insurance for three years. I have never completed a claim. This year I called the CSR and asked how to complete a claim. I had told her my second puppy who is also insured had to have vet appointments. A few issues, ear issue, I had a total of 5 receipts. I asked the CSR if I can wait and submit them all and the rep said yes. Puppy two had his neuter and I submitted 5 vet receipts from 2022. Unfortunately some came back as declined as I now have learnt that there is a window for you to submit a claim. I asked for a manager to follow up as the rep just stated it’s in the terms.

Our dog ingested a cat toy, and had to have immediate surgery to have it removed from his intestine. The surgery occurred on a Thursday, I took pics of the invoices with my phone on Friday and submitted the claim. We had reimbursement by the following Friday with a clear explanation of benefits. They paid for everything, we’re so thankful for this insurance!!

Overall, way below average experience with Fetch Pet Insurance. I dropped the policy on both my dogs and honestly not sure if any pet insurance is worth it now. While the claim system seemed fairly straightforward, they required a pretty extensive amount of medical records (which we had to get from multiple vets since we had moved) for really basic claims. I get that it can be part of the process, but needing absolutely everything for a cut paw seems excessive. Communication wasn't great.

Our dog suddenly began having seizures this fall. After bloodwork and imaging, it was determined he had a very rare tumor on his pancreas which was tanking his blood glucose. He needed surgery and several days in the hospital. The cost was so very high. Because of our coverage with Fetch, it was a no brainer to do everything we could, and he has now made a full recovery! If not for Fetch, we would likely not have been able to do what needed to be done to save his life. I am so grateful that we didn't have to make "the hard decision."

I’ve had pet insurance for many years and have never had to use it, but my dog recently needed surgery for a leg injury and I’m glad that had insurance to cover it. The process for submitting a claim is fairly simple, and the reimbursement was quick after review/approval.

I Submitted a claim for my dog's surgery for tooth extraction and a lump removal and biopsy. Fetch kept me informed every step of the way from receipt of my claim until completion. Excellent customer service and communication which was very much appreciated. Claim was settled very quickly.

Fetch has been gerat to work with and a life saver for me and my dog! They review and pay out claims very promptly, I believe I typically have my reimbursement in about 2 weeks. The online portal is easy to use and understand -- the submission process is a breeze. It's brought a lot of peace of mind as I have worked through various health issues with my pup over the 5 years I've had her (and had Fetch insurance)

When looking for a pet insurance, I wanted to find one that was affordable for me, that covered just about every issue I could think of and that would be willing to pay for alternative treatments (chiropractic care, acupuncture, etc.) for when my sweet pup gets old. I wasn’t expecting to need it anytime soon, until my dog ate 4 pounds of his food and got food bloat. I was so worried I wouldn’t be able to afford treatment or that it would set me back, but I filed my claim and was paid back 80% no questions asked within 3 weeks! It makes me feel so much more confident in the care I can give my sweet Bingo when I know that most of the finances are taken care of. Thank you Fetch!

Fetch makes it easy to submit claims on line. Once the claims are approved the dollar amount goes right into my checking account.. Very easy and convenient. Also, claims are paid pretty fast. I am happy with Fetch. Totally would recommend recommend.

We had Fetch for our previous dog - three major surgeries, physical therapy, lots of other little (but expensive) things over 10 years, and Fetch pet insurance has been there for us through it all. It’s been a fantastic experience for our family and had made the financial burden of the major issues bearable, never having to be in the position to decide on care based on cost, all the way until the end. Customer service has been fantastic throughout and overall experience with Fetch A+. We’ve continued continued with them for our new furry family member and have recommended to family and friends as well.

My pug puppy had a urinary tract blockage. I was so worried about him. Fetch handled the claim easily and without stress, so thankful because I had enough to worry about with a sick puppy. I fully recommend Fetch insurance. Very easy to work with!

I got pet insurance when my dachshund was a puppy, as recommended by our vet. By age 4 she was diagnosed with mitral valve disease, so I am very thankful for pet insurance! My dachshund has had dental surgery and eco-cardiograms all covered by Fetch! Thank you for keeping Zelda healthy! -Michele & Zelda

My dog got deathly sick in a matter of hourS. We brought her to the emergency medical hospital where she was admitted. She was diagnosed with autoimmune hemolytic anemia. This is a deadly disease. She was in the hospital for 7 days. My bills were over 10,000. I submitted my paid bills to Fetch and they helped me with what was needed. It went under review and in 2 weeks the money was sitting in my account. I am so thankful I took out this policy. They were very supportive and concerned with how my dog is doing.

Really easy and straight forward to submit claims. I have been submitting claims to Fetch for a couple of months due to a health issue my dog had and I’m glad I could count on Fetch when I needed the most. Claims could be processed a little quicker, it is taking about 10 days to hear about the decision. And also I wish there was a quick way to call customer services on the app to answer the questions I had. I have tried to use the online channel as I didn’t find a phone number, but the chat was only with automated messages and I could not get the answers and personalized service I was looking for. Other than that it’s been great to have Fetch as my pet insurance partner.

We signed up our Blue Heeler puppy thinking we would never need it. Well we needed it just months later and are glad we got him covered. He developed a problem with his right elbow causing a limp which required X-rays, CT Scan, surgery and pain meds. Fetch covered the majority of his medical expenses. Without the insurance we would have had to cover the entire cost ourselves, woof. We definitely recommend Fetch Pet Insurance. Just make sure you fully understand the requirements for the coverage right up front. That is very important. Call them and ask.

We have had Fetch Insurance for 10 years. As we grew our pup family of three we added each one. When in need to file a claim it is easy to do. The staff starts working on your claim within a few days and notifies you as they progress. Claims are reviewed and paid in a very timely fashion. We have never had any problems with payments. Great insurance!

It is easy to file a claim and quickly get reimbursed for your covered expenses. The app makes it easy to access everything you need to know about your policy. You never know when you will need it and having a policy with Fetch provides peace of mind.

Fetch is the WORST insurance ever. I’m sure all insurance companies aren’t great but we’ve had this one since the day we adopted Loki. He was a 7 month old rescue and they have said literally everything is a pre- -existing condition and even though we pay every month they pay for nothing and it's been 2 years now. About 10 months after getting him he started to have some weird symptoms and a year and a half after adopting him found how he has lupus. Over that time we have had multiple phone calls with them, emails from our vets and ourselves and none of it has done any good.

Have always had quick reimbursement for any claims. Customer service is always extremely helpful & friendly. Can always answer any questions. I find that the app is very user friendly & easy to navigate. Nice to have a one time yearly deductible instead of per incident like most companies. Also has 90% reimbursement so only 10% copayment.

I am very pleased! App is very user friendly. I have been recommending to friends. I was very pleased with the quick payout for my claims. My dog would not have been able to have the surgery without this coverage. I am a very pleased customer.

Responded quickly both times. Keep in mind your yearly deductible is not January to January. It is the date your insurance renews every year. The app is easy to use even for those of us who are technically challenged. Fetch did not give me a hard time.

Easy to navigate website, easy to put in a claim, fast payments! Love this insurance and I work in the veterinary field, they are very affordable as well. I highly recommend Fetch Pet Insurance, it is reassuring knowing I can afford my pet's care.

I'm really glad I have this, because both of my cats have had emergencies in the past couple of months. One of them needed 2 life-saving surgeries, and I wouldn't have been able to afford them without insurance. The process of submitting a claim is pretty easy, and I got reimbursed pretty quickly. But the deductible is per year PER condition, so even though there were 2 related conditions, I had to pay it twice. Also, they deduct it after they've adjusted for the percentage, so you end up having to pay more.

This is a scam, Fetch take my money for more than 2 years, I summited 2 claims and both were denied, both of my claims were legit. My fist claim my dog need a leg surgery and they told me that my dog born with the problem. I let go but now my dog need aggressive disorders and I checked my policy and saids that covered. I got a referral letter from the vet. I found a really good training facility. I summited my paperwork and now Fetch is telling me the trainer doesn't qualify because is not a license vet. Where did you see the information and I didn't know vets also trained dogs maybe in another state not in California, at the end of the day is how they make money liyers and they come up with the most ridiculous excuse to denied my claim, and the lady complains because I cancel my policy. They're making money. This business is a fraud!!! Can anyone help me. My dog is much better now but I paid my trainer with a personal loan and I'm in big trouble now.

For the most part I am happy with this ins company. They are fair and they reimburse quickly. I have had these policies for my two dogs for several years. Overall, I have no complaints. I wish they covered dental for cleaning and stuff but no ins does so it is what it is. But their customer service is very good and in the world today, that is really valuable.

When it comes to pet insurance, you hope you never have to use it. Unfortunately, I did. Working with Fetch was so easy! Uploaded the paperwork from my phone and was paid in less than a week! I wish insurance for humans worked this fast.

I’ve been using Fetch for years now for my two dogs and I have to say that they respond immediately and strive to process the claim as quick as possible. I have no complaints. I would definitely recommend it to everyone.

I love Fetch. If it wasn't for them I would not be able to care for my fur baby's allergies and allergy testing. Also they paid for her periodontal disease when she had to have some teeth removed. It is great knowing they are there when or if we need them. I have been with them for seven years now and I highly recommend them to anyone.

This is a no hassle insurance! My claims go thru quickly and I receive payment within days. They offer direct deposit which is something we never had before! Highly recommend them. If you're ever in doubt, don't be! You can't go wrong and their customer service team is amazing.

Thankfully up until the very end I never had to submit a claim for my pup. The process was seamless and if I had a question it was answered. I just recently messaged someone last week saying I needed to cancel because my dog had to be humanely euthanized. Easy and regards were sent. So shouldn’t this be documented on y’all’s part, this way pet owners are NOT getting emails saying “we hope you and your pet are doing well today” and to leave a review. Well, my pet and I are not doing well because, I had to put him down and submit claims for this entire process. Please mark those of us that have lost our pets so this does not occur. Thank you.

When I got my new job a couple of months ago, they offered pet insurance. I had never taken advantage of this insurance before but I have a four-year-old Yorkie Yorkie and I thought it would be a good idea. Shortly after I got the insurance, I started having concerns with my dog. I took her to the vet and we learned that she had stage 2 kidney failure. It was not only devastating emotionally, but the vet bills were really expensive!! With great anticipation, I submitted my claims for the amount that I had paid and I was so surprised when they approved my claim and paid me immediately. I WOULD DEFINITELY RECOMMEND THIS COMPANY!!!

Thankfully, I haven't had to use the pet insurance until this year (2022). It's great to know the company reviews the claim and makes the payment promptly. It's peace of mind. I wish I would have had pet insurance for my last dog.

Dislike having to do everything by pdf files. It's a pain in the neck for us older folks, way too complicated. Mail still works! Anyway, an associate walked me through, it's just still very frustrating. Please allow us an option to mail if needed.

So far I have been happy with the service and claims processing. As a over 10 year Trupanion member for my last 2 dogs, this company so far has been doing a good job. The fact that they pay the vet fee for illnesses is a real help.

I have been insured with Fetch since my pet was just a baby which she is over a year now and the experience has been superior in all aspects. They are very prompt on getting your pet claims assigned, reviewed, and approved. I wouldn’t change anything about this insurance company. Thank you Fetch, for being so awesome and accommodating.

I was very pleased with the handling of my request for reimbursement of my pet bills, which were quite expensive. You handled the request quickly and I was given a reimbursement for some of those expenses. My pet, Cody Kai unfortunately passed away 9/6/22. I wish to cancel my policy at this time. Thank you, Arlene **.

When my dog Lucas needed emergency surgery to remove a foreign object he’d swallowed, I was really glad to have coverage with Fetch. It was great to know that we could focus on getting Lucas the care he needed, rather than worry too much about the cost. Fetch processed our claim and reimbursed us very rapidly. They make it quick and easy, for sure.

Updated on 04/19/2023: I'm sad to report that our beloved Patience was euthanized over Easter after a third and devastating blood clot. Fetch pet insurance has been excellent in covering our (many and expensive) vet and cardiologist visits and meds for the past three years since her initial saddle thrombosis, including the euthanasia (not the cremation but we didn't expect that to be covered). Once the deductible was met they did not charge it again and direct deposit reimbursement was done quickly. It was well worth the cost of the insurance, the reimbursement covered the cost of her 10+ years of coverage and some toward the premiums for our other three cats. As a family on a restricted income the Fetch coverage let us give Patience the care she needed to enjoy 3 years with us after what was pretty much a death sentence without struggling to pay the vet bills.

My 10 month old puppy was very sick and couldn’t keep her food down. I took her to the Vet and extensive tests were taken. The bill was $1000. After I submitted the bill to Fetch I was given a refund promptly for half of the bill I had paid. Thank you Fetch. I highly recommend Fetch Insurance.

The online portal is easy to use and intuitive and the reimbursements come in a timely fashion. It's also one of the most affordable plans I could find, so it's a win-win. I highly recommend insuring your pets through FETCH.

Had to take my 14 month old Yorkie to the vet for vomiting and was told she would have to go to an Emergency Specialist Hospital immediately. So I left the vet with an $800 bill and got to the hospital and after an $3500 examination and ultrasound was quoted another $7k for the operation. Contacted Fetch Rep and was told as long as it wasn’t pre existing everything would be covered. After 5 days in intensive care she pulled through and recovered. I sent in all invoices and was reimbursed 90% in 4 days as per my policy. Couldn’t be happier with Fetch. They are the best!

We purchased this plan for our dog after having multiple medical issues rise with our previous dogs. Luckily nothing major has happened but even just dental issues have helped the plan pay for itself and there’s peace of mind knowing if anything major happens, Fetch will be there.

I am so glad that I am with Fetch! I had multiple unforeseen expenses that came up with my dog all around the same time! Fetch was efficient, and they answered all of my questions on time! In addition to that, the fact that they auto deposited made the experience outstanding.

The medical condition of the skin of one of my dogs during the last two years has been very difficult so he must be checked frequently by his doctor and with it medical expenses. But thank God I have Fetch by my side. They know about my situation and successfully cover the payments very quickly and efficiently. Thanks Fetch for all your help.

We are satisfied with our service. It's very timely in payment. Always remember to get all important information about your visit so as to get a quick payment. You must discuss all issues with doctor so as to file your claim with the insurance. Fastest refunds are when you use direct deposit.

Thank you Fetch for making the experience of having to use my pet insurance extremely easy and hassle-free. I just followed the steps on the app and my money was sent to me very quickly. I can highly recommend Fetch for sure!

We got our pet insurance when our dog was just six weeks old. She’s seven now, and we have never had to use it thankfully up until recently! The poor little thing had to have 19 teeth pulled due to a dental condition. I was really afraid it would be difficult to make a claim And to get reimbursed. I also was afraid my insurance would go up. None of those things have happened. The claim was easy to file, and I received a response within a week and money my bank very shortly right after! And my rates have not gone up. We will continue to stay with Fetch!

My monthly fee went up $25 due to other dogs in my area having more claims recently. If I wanted to decrease coverage, they said I’d never be able to increase it again. Kind of stuck if I want my dog’s medical issues to continue being covered. But I can promise I won’t be using Fetch for my next dog.

My dog Gracie had a serious condition that required 3 days of vet care and numerous tests. My bill was approximately $1,100.00 and was paid in 3 days! I will definitely refer Fetch to all my friends and family! Thank you again Fetch.

The website is easy to use. It explains what do do, how to do it and when you will receive a response to a claim. You receive emails notifying you about the progress of your claim and finally when and how much you will be receiving, when it applies.

I was told the assessment could take up to 15 days-that's fair. It was done in 4 so I was ecstatic until I looked over it and realized I was recharged for my entire deductible when I should have been charge for less than half of it. So I reach out and have it reassessed but am told it would take 30 days. Why does the reassessment take longer than the assessment? I was hoping it would be like the first time and take less than 15 but it took at least 28 days. Pretty upsetting especially since I had done the math at home in an hour and knew what I was owed.

My claims are always responded to in a reasonable timeframe, and I like the updates along the way that tell me what stage it is in the review process. My only regret is not paying for a higher premium plan so my cat has more coverage!

Had an medical treatment for my pet back in Jan 2022, after 6 months or more I still can't get my money back. Even though they approve all the expenses, they always say "Your money is coming in your mail in 3 weeks", after 3 and more contact with their support still waiting for that reimbursement cheque. And that's how it's being for after 3, 4 and 5 times.

After having two amazing dogs with another carrier for 15 years I decided to switch to Fetch with our new puppy. I am amazed at the speed and accuracy of the claims and how they support our claims. With other companies there was always something that was not covered for some reason… With Fetch they stand behind what they tell you! Keep up the great work.

Submitting claims online is easy and the response time from Fetch is fast. Aside from receiving timely emails from Fetch, I could also easily check the status of my claim online. Thank you for making it painless to submit claims.

I reached out to them after receiving an online quote and going through the policy summary sent by the company. In particular I wanted to confirm their comprehensive dental policy was as written because I fall directly in this category and this would be the reason I buy this policy. (Pasted the wording taken from them below). I talked with their insurance agent who basically told me the written policy summary they provide online is fake???

Our cat has a habit of eating foam that tends to get stuck in his bowels. After the first two surgeries we got pet insurance. He needed emergency surgery and knowing we would be able to reimbursed for 80% of the cost gave us peace of mind and literally saved his life.

I had signed up with this Company 15 years ago with my dog. I had chosen a policy with annual limit of 25,000 a year. My annual deductible was 300 dollars and 90% reimbursed. I received a email today that after 15 years my new terms would be 10,000 a year annual limit. 750 dollar deductible and 70% back. I called and their response was take it or leave it. This is what I received after being with this Company for 15 years. Now that my dog is older and I need this insurance they do this. I can't move him now because of pre-existing conditions. Horrible Company and very dishonest.

My 2-year-old Shiba Inu is very healthy but suddenly got Lyme positive and has joint issues even after we gave him monthly ** treatment. Luckily we have Fetch covered the exam and blood test and all the medication treatment, it's a big release for us. They asked for medical reports, invoices, and historical reports and in addition, they asked for Lyme prevention purchase proof. The app is very user-friendly and payment is fast.

I had my Lab that passed away a few weeks ago covered since he was a puppy. He was covered for 11 years. Fetch was very easy to work with when he had claims, very prompt in payment, and the explanation as to how things were covered were perfect. I would highly recommend anyone that has a pet to work with Fetch.

I have unfortunately had to submit three claims with Fetch. All three claims have been quickly approved. Two claims with one pup, and one with my other guy. The claims process is simple. Upload the invoice and your pet's health history. The rates are very reasonable compared to competitors.

I couldn't believe that initially they gave me a 15 to 30 day turn around to be paid for my claim and then I got the payment in 3 days! I was so stressed with having a huge vet bill on my credit card and not knowing when I would receive the funds. It was also so quick and easy to submit our claim!

If you consider a dog having tartar at every vet visit a preexisting condition you’re nothing but a scam and your explanation means nothing other than your excuse not to pay out a claim. If you find me any dog who hasn’t had tartar from the minute they are born would be a miracle as even humans go to a dentist 2-3 times a year to clean their teeth and we brush and floss. Either way increasing premiums and denying claims based on the inevitable is essentially a crime in my books. You’ve taken approximately $15-20k of my money for both my pets with basically hardly any claims and when the time matters you have loopholes to make the position of owing a pet difficult while you profit. I will not rest with this answer and raise the issues with pet insurance to ensure pet owners aren’t continuously scammed.

We were told to go with Fetch by the lovely folks at the Humane Society where we adopted our newest bud Lester. Unfortunately, Lest brought home Giardia and infected the rest of our pets. We had previously been insured with Nationwide and they had always reimbursed us, though we did not need to use it much in the 5+ years of having it. Fetch has denied all claims except one listing the Giardia as a preexisting condition, even though the vet records state otherwise. We are appalled at their gross tactics and advise everyone thinking about going with them to absolutely choose a different insurance carrier.

Fetch has been a great service for us! We have a 6 month old mini golden doodle who is very active. Fetch has been clear in what else is needed, when missing information, and they have saved us a lot of money. They have covered multiple vet visits for a variety of issues and are always timely and detailed in their responses, and overall very helpful. Highly recommended!

Recently my dog had to have a two night stay at the ER vet and a day at our local vet for pancreatitis. It was a very stressful time for us but I must admit Fetch were great dealing with our invoices promptly and we were paid back within a few days. Could not have asked for better service from them.

It was such a relief and a pleasure to work with the Fetch team and assessors; while juggling the recovery of our little family member - we were not bogged down with our pet's claim! I wish "human" claims were this seamless...

My dog's had an ER visit and Fetch covered it at 80% and they were fast in reimbursing me. Also they covered the vet visit fee, which is why I signed up with them in the first place, unlike other insurance companies. So basically their premium is the same as the others' but they cover more.

Fetch has been great! My young cattle dog started limping after jumping to catch a frisbee. He went to the vet 3 times, then we went to an awesome rehab vet for a thorough evaluation. They recommended a CT scan. The thought of paying all of these bills on my own was overwhelming. Each time I submitted a bill Fetch was efficient and fair. Knowing my boy could get the care he needs is priceless. I ended up opting for physical therapy instead of the CT scan because he was improving. But it's a great feeling knowing he could get the CT scan if he needed it. Both of my dogs have been covered by Fetch starting on the day I got them. If you wait until something happens it will be too late. A Happy Customer.

Great service, Responds immediately when bill is submitted. Excellent explanation of why bill is accepted or rejected. I have recommended to several friends/animal lovers. I feel comfortable that correct decision will always be made regarding coverage. I especially like the fact that the veterinary hospital submits the bill for me. Thank you

Our dog, which we've had since he was a 9 week old puppy, had been living an ordinary and healthful life for over 8 years. We signed up with Fetch as we put his new collar on for the first time. He very recently and suddenly began to exhibit signs of vision loss, and as we sought diagnoses from our vet and an emergency animal care facility, the devastating news that he had SARDS (Sudden Acquired Retinal Degeneration Syndrome) was given to us. Our spirited and healthy dog was suddenly and irreversibly blind. We had never needed to submit claims to Fetch before, so when I found myself saddled with hundreds of dollars of veterinary bills I worried that the process would be daunting and contentious (to prove my dog's legitimate ailment, doctor visits to identify the issue and the diagnosis).

Fetch has always been on top of helping get reimbursed quickly in a timely manner. Fetch lets you know every step of the way where your reimbursement is sitting whether it’s in review or being ready to pay. I would recommend to my friends about my pleasant experience.