Fetch | Pet Insurance Review

I have had fetch insurance for a few years and have never had to use it.In July 2022 I had to take my dog to the vet because he didn’t seem right.He was diagnosed with anaplasmosis and I submitted an er bill and two follow up bills.They asked for medical history so I submitted that also.Then they asked for flea and tick prevention receipts.He has a seresto collar on from March to November then I use wondercide from November til March.I did not have receipts for purchase.I buy when they are on sale and never thought to save receipts for it so I sent in pictures of what I have.They told me they didn’t think it would be accepted because I don’t have receipts and I could have just had the stuff laying around??Who would go out and buy flea and tick prevention and just leave it laying around the house for no apparent reason? Seems they are trying to find anyway possible to get out of paying a claim.His policy has doubled within the past two years with no claims submitted for anything.What these claims amount to is not even what I pay out in a year for him.Do better Fetch.No one would just have flea and tick treatments laying around for no apparent reason.I hope u see this is fix this problem and pay like you should be.to add to reply:I am not as worried at premium as I am about u not paying this claim or that the supervisor changed the claim in the system and resubmitted it.He also couldn’t answer where in the policy it states that u do not pay for tick related diseases.It states you do not pay or reimburse for tick and flea protection-big difference.I told him you may want to rewrite entire policy on this because there is nothing that states that or that states you need flea and tick prevention receipts for the entire year before.I submitted receipts that the pet store manager took alot of time to find and am waiting to hear back.So ridiculous.Please rewrite your policy correctly and pay what u should pay.

We recently adopted a rescue dog and when he arrived to DC he developed allergies. We took him in for his first vet visit and they identified an unknown allergy. We tried the initial vet suggestion of fish oil (for the skin) and Zyrtec, but neither of those worked. We then got Fetch pet insurance, and after the 15-day waiting period expired, we went back to the vet to get him reevaluated. They ran tests and gave him an allergy shot and some pills and a spray (which totaled in the hundreds of dollars). However, since the first vet visit listed an unknown allergy, they considered the whole experience a pre-existing condition. I called to get some clarity on this policy, and they informed me that all future allergy treatments would thus be considered "pre-existing" since it was on his first vet record, and wouldn't be covered. I will be looking elsewhere for pet insurance, as the entire process has been cumbersome and frustrating, and Fetch is just taking in premiums and not paying out claims. I'm wondering why I have pet insurance if these claims aren't covered.

Had to take my dog for shots and i did not expect a big bill got quick and easy answer

Knee surgery and a few other visits without hesitaion have been paid in a timely manner.

Our mini Schnauzer, Daisy, got really sick very suddenly. Before it was over, we saw three different vets and had lots of tests. Finally, we got some medication that has helped and she is doing well. We had no problem filing claims with Fetch and the claims were paid in what I consider to be a very acceptable amount of time.