Fetch | Pet Insurance Review

My husband and I are severely disappointed in Fetch. We have had 6 pets insured with them since 2014 (used to be called "Go PetPlan"). We finally have a big claim for one of our cats and they denied us coverage because our cat didn't get an annual during COVID. However, they still willingly took our money for his policy these last three years. Stay very far away from this company. Complete lack of compassion. When our pet developed an ACUTE kidney issue (never had issues in the past - the ER vet believed it was a kidney stone that destroyed his kidney), and we realized how critical his situation was, we jumped at the chance to save his life because we THOUGHT that Fetch had our back so we went forward with his care to save his life. We were gravely mistaken. Thank you for putting us into a financial hole. Your company clearly values money over life. Hey Fetch, Here's some business advice for you - if you truly care about the people putting money in your pocket everyday, perhaps send out some regular reminders RE: the annual physical. Taking my money without reminders is disgusting. I will never be recommending Fetch to anyone ever again. In fact I will be recommending everyone to stay far, far away from this company.

I have had my dog, Iggy insured with health insurance with Pet Plan/ Fetch by the Dodo for over 10 years. I had never filed a claim until last year. My premium started at around $200.00 ( year 1) to now $1300.00, which is to be expected because of Iggy' age. I purchased it with a $450.00 Deductible at with a 20% co insurance. I sent the proper information to them and they agreed to pay. Recently I made a new claim for an ER visit for a Paw issue. My 13 1/2 year old Labradoodle could not walk.The Vet visit went well. The bill was for $596.63, the agreed to pay $27.30. PLEASE BE AWARE OF HOW THEY COMPUTE HOW THEY PAY A CLAIM. The 20% Co pay is on the whole amount EVEN the amount of the deductible (in my case $450.00), the funds they would never pay in the first place. They are considering that deductible amount in the final payment. Like as if they paid from it. MOST human health insurance policies pay at a full reimbursement rate in my case $450.00 AFTER the deductible. Claim amt: $596.63 Deductible: $450.00 Total: $146.63 80% reimbursement $117.31 $117.31 vs. $27.30 Now if Iggy has to go back for the same issue they will pay on all new dollars spent @ 80%. Just be aware on small claims they go out of their way to pay smaller. They are a Closely owned private company. They could change this easily. This insurance will serve you on the larger claims. If you read in their response they stated: Pet insurance is not the same as human health insurance. THAT STATEMENT IS FALSE. However, it is true for Fetch by the Dodo insurance. There are some pet insurance companies that treat your pet just like a human. I consider IGGY as important as any human in my life.

My 11 year old little girl kitty Abbie, was diagnosed with Hyperthyroidism in Dec 2022. Her prognosis was very good but the treatment cost was not cheap. Having Pet Plan (now Fetch) made the decision easier. Her treatment (I 131) took 4 months to be scheduled. It was done on 4/3/2023. She is doing very well now. I did not understand at the time that there is a 90 day window to submit claims. I waited till after Abbie's treatment, then submitted all the invoices at once. My claims were all denied for being over 90 days. I then called in on 4/20/2023 for an explanation. The representative I spoke with was not very helpful. She told me she would look into the situation and call me back shortly. After waiting 4 hrs I called back. This time I spoke with Tattianna Smith. Tattianna reviewed my claim and understood exactly what was happening. She explained my mistakes and stayed on the line while I refiled. She then confirmed that my claim was now filed correctly. I was good to go. So much so, that 24 hrs later, I received an email from Fetch that my claim was approved and the payment is on its way. I can not commend Tattianna enough. She is a very knowledgeable and wonderful representative for Fetch. Thank you.

I’ve been with Trupanion and Pet Secure with different pets. The last 5 years I’ve been with FETCH and they have the most comprehensive coverage, a great App that is easy to use and excellent customer service.

It’s hard to cancel the insurance as they require you to speak to a live person and whenever you choose option- cancel insurance no one answers. When you file a claim you have to submit a lot of documents before you can get paid depending upon their approval and how much you can get.