Fetch Canada | Pet Insurance Review

I submitted a claim for my baby on 2/10/23 w/paid bills attached and his records from the vet.. I was told my claim would be paid in 5-7 days with ACH deposit. Then I was told 15 days. Today, I was told the rest of his records were needed. Fetchpet was sent his med documents with the claim. Now I’m being told I can’t be reimbursed?!! I just cancelled both policies on my two babies and I will NEVER recommend Fetchpet to anyone! I basically paid four months of premiums for NOTHING! because these clowns are not reimbursing me for my baby’s claim I submitted on 2/10/23. Freaking Thieves!!!

Edit on March 8: they reached out to me by phone and, after I explained the situation, acknowledged that the website does seem misleading, and they'd look into my feedback. Their website's description of what documents are needed for a claim is misleading to say the least. They say on their website that the medical records they need are "Detailed medical records, including from your pet’s most recent checkup (a vet visit unrelated to your pet getting sick or hurt)". (Trustpilot doesn't allow me to post link, but the specific webpage is titled "Your guide to filing claims.") But in reality, they also ask for the records from the visit which the claim is for, i.e. the visit that happened exactly because my pet was sick. And their customer service agent explicitly confirmed this to me, without explaining why it works differently than what their website says. If they were clear and consistent upfront, I probably would have no problem with providing the medical records for every visit. But now I feel I was lied to, and I have serious doubt whether I can trust them when I need them. I may need to shop around for other pet insurances.

Despite charging me an ever increasing monthly amount cumulating in a $167 per month charge (after the latest annual hike)... for $2500 coverage, $400 deductible, and a 90% reimbursement for a period of years, for 10 year old otherwise healthy dog, Fetch denied a dental claim of a little over $1500 based on (they said) a pre-existing condition. That condition being, a being a vet report in 2018 that stated mild tartar was present on the canine teeth. no treatment was recommended at the time., and no exclusion was noted when I signed on with Fetch a couple of months later. (despite them requesting all the vet notes from my vet). I have to say though, the reps on the phone were excellent, and totally understood my concerns and respected my decision to cancel the policies that I held with Fetch. save your money and go to an insurer that pays out. If a big claim happens, you need to know the insurance company has your back when you need it, and doesn't look for reasons not to pay

Janelle was extremely knowledgeable. Felt she actually cared about my questions and concerns and spent time listening and answering. She was very thorough and very pleasant to talk too. Will definitely recommend Fetch and Janelle to friends / family and co-workers. thank you for the exceptional service cathy

All I can do is share my experience. My cat Marvin had a urethral obstruction was discharged then was re-obstructed by morning. Both obstructions required extensive and rapid treatment accompanied by a hospital stay. Fetch paid out both claims. Of the thousands spent the only thing they did not cover was $20 of food.