Fetch | Pet Insurance Review

I'm torn on how to rate Fetch. I've had my dog insured with Fetch for several years now under a fabulous plan that I freely chose -- 90% benefit coverage with unlimited annual benefits, with a $200 per illness/injury deductible. I chose this level of coverage because I never want to be faced with the situation of having to choose to withhold needed medical care for my pooch because I cannot afford it; however, Fetch's yearly premium increases are insane, with this year's being the most absurd ever. My policy renewed this year at a 42% premium increase!!!!! I just about had a heart attack when I received my renewal letter. I'm now paying $3500 this year to insure my 11-year-old dog who suffers from severe heart disease. So, while Fetch's coverage is excellent and their customer service has been great all these years, their premiums are outrageous. I told a Fetch rep a couple weeks ago through their Live Chat that insurance of all kinds on humans (auto, homeowners, health, life, LTC, etc.) doesn't even increase by 42% in a year. Then I get the usual spiel from the Fetch rep......well, you can lower your premium by lowering your benefits. Yeah, I get that -- you get what you pay for. But really, if you choose Fetch, be prepared to pay. Their website, customer service and the time it takes to reimburse on claims are all great, but you pay for that. And, despite what they recently emailed to all policyholders ensuring us that Fetch did not increase premiums to cover their recent rebranding efforts, I do not believe it. The entire rebranding of any company is very costly and they have to get money to pay for that from somewhere. Premiums are an insurance company's biggest source of income. So, you do the math. 2 + 2 = 4. No way around that.

I've had Petplan/Fetch insurance for my beloved dogs for the past 13 years. At one point we had eight dogs insured at the same time. We've been through several types of cancer (both radiation and chemo), diabetes, cushings disease, hypothyroidism, meningitis, lumbosacral stenosis, laryngeal paralysis, allergies, mini strokes, IBD, heart murmur, numerous delicate surgeries, spinal taps, MRIs, CT scans, ER visits and ICU hospitalizations. Petplan covered it all-even holistic treatments, There are many other pet insurance providers now than when we first enrolled but I did not look elsewhere when we adopted two young terriers the past year. Filing claims on the app is easy and reimbursement is fast. Customer service reps are helpful and efficient-you can talk to a live body! There is really no reason to look anywhere else.

I have had my dog insured with Petplan (now Fetch by dodo) since 2017. He has had numerous medical issues that were costly. The first claim I filed was denied because it was determined to be a pre-existing condition. It was indeed a congenital condition but was still denied. I have always been able to choose what deductible and reimbursement percentage I wanted based on how much I felt I could afford for a premium. This upcoming year I was told what my premium would be, what my deductible will be, and what my reimbursement percentage would be. I was told it is because I have used a high percentage of the projected amount of my policy or something like that. I would have paid a higher premium to be able to choose what I would like to do. Buyer beware! I had no idea there was such a stipulation in my policy. My dog is only 6.5 years old and has several chronic diseases. I don't feel I can depend on Fetch to continue to cover him for the rest of his life.

Since my Pomeranian was diagnosed with type 1 diabetes I have sent many claims to Fetch. all the claims have been handled very promptly. the website and Fetch app or easy to navigate and use. I am very pleased with everything so far and we're glad that our pet is doing OK and we're able to keep him for a few more years.

Recently my little dog got very sick and was diagnosed with congestive heart failure. She had two ER visits and one regular Vet visit during this time and her medication is very expensive. Pet Plan paid 80% of the bill and continues to pay for her heart medication. I don’t think I could have gotten through all of it financially without the help of my insurance. Thank you Pet Plan for all you did.