Fetch | Pet Insurance Review

We decided to enroll in Fetch Pet Insurance to provide us with peace of mind for our two cats in early 2023. In December 2023, our youngest cat, who had never experienced health issues, had a urinary tract obstruction. This led to a stressful and scary 5-day stay in the ER, and ultimately required a perineal urethrostomy (PU) surgery to save his life. The process of signing up with Fetch was seamless, thanks to the agent who provided detailed instructions on setting up our account. This preparation made it easy for us to submit a claim, ensuring a smooth process. Following the payment of the bill, we submitted the claim and received confirmation from Fetch two weeks later, stating that the claim was covered in accordance with our policy. Our interaction with Fetch Pet Insurance has been exceptionally positive. We are grateful for the smooth claim process and the confirmation (received within 2 weeks) that Fetch covered our claim according to our policy. Overall, Fetch has proven to be a reliable choice for our pet insurance needs.

I'm new to Fetch but very pleased with the way claims are handled and quickly paid. The communication is great also they're always keep you in touch as to the stage of your claim.

Fetch has been wonderful; I will never again have a pet that is not insured. The staff are very responsive. The claim process is easy and are handled quickly.

I had four Senior dogs. I started out with an annual deductible but for some reason it turned into a per condition deductible after underwriters were changed I complained but I let it go. Then one of my babies was misdiagnosed and it took three vets to figure out that she had a tumor on her spleen which was taken out and fetch did pay all the claims which I was grateful for because I had unlimited annual limit so I felt comfortable with submitting claims. When renewal arrived Tinker's policy was downgraded by 50%. No longer did I have unlimited I had a $15,000 annual limit $500 per condition deductible and only 70% reimbursement. No explanation just a congratulations your policy has been renewed but changed .Tinker died 2 months later.After tinker's death I have been very careful about putting claims and nervous every time renewal comes around .So this year I decided to only put claims in for regular chronic treatments acupuncture and cold lazer and nothing else. I emailed fetch eight times during the year asking if I was within the limits and if they could tell me the formula for downgrading -no response. So I called up December 11th and spoke personally to an agent asking them to look at the three policies I was told by the agent that all the policies were good and that there would be no changes for renewal I did not have to worry or consider downgrading their policies myself which I would have done to avoid downgrading. I was relieved , however; January 16th came around and I received an email and lo and behold one of my pups policies was downgraded! Once again congratulations but no explanation and a number to call if I wanted to discuss my options the number was an auto nation's parts department number! I called the next day and was told matter of factly suck it up or cancel the policy there was nothing that can be done there was no financial ombudsman to call or speak to no review department nothing. I asked to speak to supervisor and I inquired the chances of her policy being downgraded even more if I use it like I used it 2023 he told me he did not know that was not his department but yet he was the supervisor .He kept on repeating cost to loss ratio her premiums were low that's why she was downgraded thing I can do. But we kept the $25,000 limit annual limit which means nothing because if I use it they will downgrade me. I had unlimited on tinker and I was still downgraded so they are annual limits mean nothing. Her premiums are now even lower than they were before so the risk of downgrading is even greater if I use the strategy I used last year of just using it for acupuncture and cold laser. So I am warning pet parents if you use the insurance for claims to save your dogs or cats life be prepared that next year your policy is going to be double or quadruple like it was mine or be downgraded.I paid almost $11,000 last year for pet insurance for my three dogs who I love with all my heart and I was rewarded by a kick in the butt. Oh yes! They did renew my two older dogs because I pay $4,000 each for them. But that's no promise that next year if I use it they will downgrade them too when they need it the most.

My Veterinarian Tech turned me on to Fetch. So far so good with my rescue Pembroke