Fetch | Pet Insurance Review

My 10 month old puppy recently woke up vomiting which necessitated an ER vet visit. Nothing was found on the initial imaging or bloodwork, so we were sent home. The next morning he was worse and had bloody diarrhea so he was admitted for 24 hours to stabilize him. Since nothing was found, we then went for a detailed ultrasound with a specialist. Fetch has approved all of my claims quickly and without hassle, which has allowed me to continue to focus on what’s important-my pup. If not for the pet insurance I would have spent about $5,000 already. Everyone should have pet insurance and Fetch continues to be at the top of my list when I suggest pet insurance to friends.

We got Fetch Pet Insurance when we first brought our corgi home because the breed tends to have back issues later in life. Little did we know, we'd need to use the insurance much sooner than we thought! After a trip to the emergency vet for an ingested foreign body, we'd met our deductible--thankfully, because just a few months later, we made a trip to the vet that revealed a broken tooth that needed extracted. Fetch quickly processed the claim and reimbursed us for the percentage of our visit that our policy covered. It was quick and easy. We love Fetch for the peace of mind they give us and the wholehearted ability to tell our vet to do whatever it takes to keep our babies safe and healthy. We'd recommend Fetch a hundred times over!

My pet test positive for Giardia and Fetch Pet Insurance denied the claim. They said because he experienced diarrhea before, there is an exclusionary period of 365 days before diarrhea can be claimed. This is beyond nonsensical given dogs get diarrhea for multiple reasons from something small as changing their food to them eating something they should not have or in my case he contracted a parasite. When I reached out to customer support, they kept reiterating their policy and would refuse to acknowledge we are discussed Giardia, not diarrhea. Their suggestion was for me to get more documentation for a reassessment. They already have all of my pet's medical records since the day I adopted him. They couldn't tell me what additional information to provide when I asked for some guidance. I am at a loss for this situation for something as simple as this claim.

Having learned the hard way, I am sure to have pet insurnace on my dogs now. I have always used manypets.com, trupanion, or embrace. I shopped around due to price and found a lower price with fetch....I was also reminded that you get what you pay for. None of my other insurance companies that we refer to have ever taken more than 48-72 hours max from the time a claim was submitted until the reimbursement hit the bank account. Not true here. 7 days later after a simple wellness exam and the claim is still "in review" and the customer service rep that I tried to chat with about it was just cold. This company isn't worth saving a few dimes and nickels over. I'll be referring my patients and my own dogs to trupanion or many pets going foward - they've put their money where their mouth is and didn't give me some made up run around. I feel foolish for thinking a less expensive company could give us the care that others did.

I was unsure if I wanted pet insurance, if it would be worth it, how to choose a company, but Fetch has been true to its word and the policy since the start. The policy is very clearly written and laid out. Their terms are fair. I love that services like physical therapy is covered, that I can pay annually instead of monthly for the entire premium, that I can use chat features to talk with representatives, and that I can upload documents via the app. My dog will have Fetch insurance for the rest of her life and any future fur babies are going to be signed up right at the start!