Fetch | Pet Insurance Review

Do not choose Fetch for your pet insurance. They deny everything! My vets even sent letters disagreeing with them denting my claims and they still would not cover what their policy states., horrible company

Resubmitted a claim for reassignment and it took several months before it was finally gone over again and approved. I had to call several times and spoke to several different people. I was told on more them one occasion that the paperwork that I needed was never received, or it was still in review. Very, very frustrating experience!

I’m a new Fetch customer for 2 kittens and honestly, it is quiet like a psych experiment. I believe Fetch provides great options. When I had some doubts about what kind of coverage I should be looking for, Monica helped me to find the most fitting options for the kittens. So far, I had positive experience with the options and the team.

I recently adopted my dog from the shelter and bought Fetch insurance. 6/28: I made the first payment for a general checkup. The hospital only had an invoice but no notes on this date since i couldnt get the samples for the tests until later. On 7/21, the vet recorded a lot of notes but didnt specify 6/28 or 7/21. 7/10: I brought my dog to an emergency service because she had diarrhea. I submitted claims for 6/28, 7/10 and 7/21 and they found ridiculous reasons to reject them all. 6/28: no doctor notes besides the invoice. 7/10: didnt have a prior checkup after starting insurance (I think they try to prove that my dog’s diarrhea was a pre-existing condition (!?) even though i started buying insurance about a month before this date. Could a dog have diarrhea for more than month without treatment??). 7/21: because of prior rejected claims do they are not processing this. They have no phone number to call. The appeal process is emailing back and forth with someone who constantly looks for faults in everything you say so they can get away without paying anything. Is this company a scam? Do dog owners need to go through this pain after paying a ton in hospital bills and insurance premiums?

Spoke to Kelsey this morning about the process for filing a claim when not having medical records from vet office yet. She was very helpful and explained the different ways I can file a claim with only having invoices. It's nice to know that I can still start the process of filing a claim despite not having the medical records yet.