Fetch | Pet Insurance Review

I bought insurance for my puppy back in 2020 and I honestly thought it was going to be a waste of money, but I kept it for peace of mind. This year, he started having back pain and an MRI was required for diagnosis. Numerous vet visits - some emergency… we ended up switching vets too, and once everything was done it was a hefty bill. It seemed too good to be true that Fetch would cover 80% of the bills, but they did! The checks came in the mail in a very timely manner and I was honestly shocked. no pushback, no questions, they just looked at my documentation and reimbursed us. Truly amazing

web site was easy to use and claim service was great. Make sure you keep a full history of receipts and visit summaries from your vet, because you will have to submit it, if you haven't filed a claim before.

I filed a claim for a wellness claim and Fetch paid within three weeks. It was easy to file a claim.

I don't like the fact that Fetch only pays a small amount of the cost. like if something cost $100 Fetch will cover $40. I want to change to another insurance.

Buyer Beware: if you need insurance for a one time, unexpected accident this company is okay. But as soon as there is an ongoing medical condition Fetch will spike your premiums and lower pet coverage until it’s more expensive to have their insurance than pay for your dog’s treatment out of pocket. I had this insurance (previously PetPlan) since my now 13yo cocker mix was a perfectly healthy puppy. Therefore, everything was technically covered. When he had a couple small accidents, it was all reimbursed appropriately. However, as soon as my senior dog developed an aging lung condition and small heart murmur that requires expensive lifetime medication (still a very happy and active pup)… they made coverage completely unaffordable (3x the cost of his medication). When I called, a Fetch representative outright admitted that when pet payouts start to regularly exceed premiums and your deductible, this is what they do to make back the cost.