Fetch | Pet Insurance Review

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.

In the three years of coverage with Fetch the annual renewal price hikes 132% every year. First year pricing was fairly competitive with sales promises that their pricing doesn't increase , or only a small amount. Deceptive practices on pricing for sure.