Fetch | Pet Insurance Review

I have been a Fetch client for about 3 months. The Wellness program is a no brainer as it pays for itself. I was reimbursed for $185 out of $330 for Yeti's annual exam, and I haven't even bought heartworm meds yet, which will also be covered. The claim was processed very quickly. My 2nd claim was processed within a few weeks, but applies towards my deductible. So far I am very happy with Fetch.

Ok insurance but get ready for massive increase in monthly premiums as pet ages. Mine went from $120/month to $280/month in 5 years

Annual maximum benefits do not mean anything beware pet parents. One of my dogs had a poor condition yet an unlimited maximum benefit. When I used it to try to save her life all of a sudden the unlimited became limited $15,000 per year. This year I had a $25,000 maximum annual benefit for all three of my dogs. I put in a claim for regular acupuncture and cold laser treatments total cost $1,500. Guess what she was downgraded so $25,000 maximum annual benefit means nothing. The response of my prior review said but at least you have the $25,000 maximum annual benefit they kept that. Doesn't matter they still downgraded my youngest policy without explanation or warning or how to remedy the situation so my pets policies don't continue to be downgraded. Using the annual maximum benefit as a safety blanket is not accurate. How can a pet parent gauge their claims and finances if the maximum annual benefit is not honored? How can a pet parent gauge their claims and finances if agents cannot even tell them if they are in danger of being downgraded until renewal time.A Fetch supervisor couldn't even tell me if my youngest would be downgraded again or how far a pet can be downgraded cuz it wasn't his department. Fetch has a formula I have been told and they keep it close to the vest .I might have had better luck talking to the number they gave me on the renewal letter auto nations parts and service department. I have been exploring other companies asking them if they downgrade due to what they consider too many claims every single company has said no the only way a policy is downgraded as if the owner does it otherwise it stays the same they honor the annual maximum benefit. That seems to be the number one company that doesn't honor their annual maximum benefits and are the number one company to downgrade without parent permission. Interesting that you didn't respond to my question about annual maximum benefits. Could you tell me respond? Why does fetch downgrade automatically and other companies do not please explain

Fetch takes six to eight weeks to consider each claim. Instead of seeing action on a claim, I receive a string of email messages for each claim saying that "this claim is still in review." So, after taking six to eight weeks to have a claim reviewed, you might receive payment. But if you have a fecal toxoplasmosis PCR test because your cat has iris atrophy, and the veterinary ophthalmologist ordered that test, expect that claim to be denied as being a "routine" test for "wellness." For your sanity and well-being, please go with a more reputable insurer than Fetch.

Update: Fetch did respond and say that they send notices 60-days before a rate increase. I have not seen that to be true. They asked me to check my spam folder and it's not there and all other communications come through. I even chatted with someone online who said they would send the letter, but I never received it. Horrible communication from Fetch. My rate for my 4-year old Bernese Mountain Dog went up from $77/month to $108/month with no communication about the rate increase. I reached out to Fetch to find out the reason for the high increase and their generic response is that as they age and dependent on breed rates will increase. I asked how much or if there is a schedule and I receive the same canned response with no information on how much rates can increase. I have also asked for a letter explaining the recent rate increase and have yet to receive it. The customer service of Fetch is HORRIBLE and basically they do what they want with no explanation.