Fetch | Pet Insurance Review

Edit: Fetch had a representative call me who told me I still have coverage left. However I just had another claim "approved" but somehow wellness doesn't cover any of the annual exam fee. So I got $38 back on a $200+ claim. (This is less than what I pay monthly for this coverage) Yet I "still have plenty of coverage left"? Fetch is a waste of money and energy. Original: I signed up for the wellness plan to cover new puppy care - vaccinations etc., however, the plan only ended up covering one appointment. It also feels sketchy that it only does reimbursement, so you have to pay up front and then hope they end up reimbursing you. I want the best care for my pet and have done extensive research on pet insurance, I have yet to find a pet insurance that doesn't feel like a scam, Fetch included. I only signed up on the recommendation of the Humane Society when I adopted my new puppy. Unfortunately I don't think they had the most accurate information about the coverage provided by Fetch.

I submitted a copy of my payment & picture of my ID with my claim. The process to 3 days & I received my money, it was quick & simple.

She was absolutely fantastic!! Extremely helpful and efficient! Fetch is lucky to have Kyann in customer service!

I decided to try Fetch when I needed to find a new plan for my dog. Now that I've had to submit a claim, I'm finding out how terrible this organization is. The subscriber portal is difficult to navigate and only has the bare minimum of options. I uploaded my pet's historical medical records twice because I couldn't tell if the upload was successful the first time, and there is no menu option to see your documents. Now, I'm still waiting for a claim to be processed. I waited 2 weeks and then get a request for my dog's historical medical records! I uploaded AGAIN, and I am still waiting. The portal only has 2 options for customer support - an AI bot with preset topics and an email address. I went with email and have yet to receive a response. Not only do I pay more per month for this policy, the annual limit is lower and the reimbursement percentage is lower than the policy I have on my other dog with Figo. I only signed up for a different insurance because at the time I had no experience with submitting a claim with Figo. Since then, I've had to submit claims to Figo and had no problems. I'm very disappointed that The Dodo promotes this insurance plan, and now that my dog is having issues, I feel like I am stuck, since all other insurance companies will say he has "pre-existing conditions."

It's really unfortunate my pet became ill shortly after I switched insurance providers, essentially disqualifying him from all future claims. I'm mainly to blame for not reading the fine print and keeping my old policy during the waiting period (if that's allowed), but here's what I could have reasonably expected. 1. A shorter review period: It took over two weeks to hear back when the date alone should have resulted in a denial of the claim in an automated way. 2. Clearer disclosure of terms: The policy effective date isn't when policy coverage actually starts. It starts 15 days following. For joint related issues it starts 6 months following. I put in a lot of time to put the claim documentation together and didn't expect to be over 4000 dollars behind after waiting. Ideally the portal shouldn't have even let me submit. There should also be an initial option selection for joint health related claims when filing within 6 months of signup where the portal automatically denies the claim. At the very least that information should be presented in a clear way upon sign-up. Given their response to my inquiry, any clinical symptom during the waiting period can be associated with any later health condition, disqualifying coverage. In my case, my pet having an upset stomach and potential immune condition or arthritis got grouped into a health condition that can overlap with just about anything later. "A pre-existing condition is any medical condition which first occurred or showed clinical signs before the effective date of your policy or during the 15-day waiting period. (By "clinical signs," we mean any changes in your pet's normal healthy state, bodily functions or behavior.)"