Fetch | Pet Insurance Review

They are incredibly difficult to work with. There customer service can’t answer questions about my coverage despite buying insurance before I got my dog as a pup. They use a script that’s no different than speaking with a chatbot or an automated voice recording. When you submit a claim they keep asking for more information such as the entire medical history of my dog from his vet every time. Then after submitting what I was given by the vet they still say it’s not enough details. Why don’t they just allow vets to easily submit the claims so they can work with them directly to get the information they need. I would advise anyone looking to get insurance from them to reconsider because at the end of the day you’ll spend more time going back and forth than the cost of any claim.

At the very end of October, my little dog had surgery to remove a large mass. His surgery was successful. Afterwards, I contacted Fetch to find out what documents were necessary in order to file a claim. The representative was very nice and told me exactly what I needed to submit. A couple of weeks later, after my dog’s stitches were removed, I was given all of the necessary papers from my vet and I sent them in to Fetch. They kept me posted as to when they received the papers and they also let me know the progress of the review of the claim. A very short time later, I was reimbursed. I was so surprised at how quickly this was taken care of.

Fetch replied to a previous review of mine and claimed that my dog had a preexisting condition that was before his wait period but the visit they claim he “showed signs” on. That submitted visit was actually for just a checkup and had nothing to do with his allergies or anything. Simply they gave him apoquel just as a preventative because he gets allergies and itchy ears. Nothing to do with his paws which is what he was seen for on the visit that I ACTUALLY submitted for. So fetch clearly will do anything to NOT pay or help out when they claim to “care” about your furbaby. This pet insurance is a SCAM just like any other insurance. EDIT to reply: you need to stop lying to people by saying you care about animals when you wouldn’t have stipulations such as a “preexisting condition” that was not even the case. Also what I’m gathering is that you all wouldn’t consider it preexisting had I cropped the previous visit out? Y’all are trash.

Fetch is a scam. They continued to charge us after we cancelled. We cancelled because the rate skyrocketed to over $2500 and the policy pays a maximum of $400 per illness. So it would be impossible to recover the premium unless my pet had 7 unrelated illnesses in one year. Absurd. We changed our credit card number to stop them from continuing to charge us and they somehow found the new number and kept charging us. We disputed the charges with our credit card company and they didn’t challenge our dispute until two years later, when they suddenly charged us for three years’ worth of insurance premiums totaling over $8k. The company changed hands (from petplan to fetch) and they claim not to have saved the recorded call during which I cancelled in 2020. So the credit card company took their side (they did not give us written confirmation of the cancellation-it was only on the call which I did not record myself) and in 2022 they made us pay $5000 for policies that were supposedly in effect for 2020 and 2021. You have 90 days to submit a claim, so there’s no way we could have derived a single penny’s worth of benefit from those premiums. Pure scam. Yes, I spoke with customer service. In answer to my question about why I would get charged $8000 in a single year to insure one cat, the rep said, “If we are able to charge you, we will.” I think that pretty much sums up the company.

Fetch, has always been easy to work with and makes it easier to take care of my son and his health issues. Thank God for the insurance coverage, since he has a condition that requires vet visits and medications. Without the insurance I couldn't afford to keep him in my life and without him I wouldn't want to be here either.