Fetch | Pet Insurance Review

I read a recent review here that Fetch raised rates $300 a year. I don't know what percent of their policy that is, but I was raised 38% this year and last year it was close to 40%. I have had to make changes in the coverages to make it affordable. I read a review here suggesting saving your money and paying the bills as you go along. That is a great idea! I wish I had done a very long time ago. It makes a lot of sense. If you are good with budgeting, it makes sense because pet insurance is not a good investment. I've spent tens of thousands of money on this pet insurance. If I had saved the money and paid the costs from my bank account, I would now have at least $15k extra in the bank. (I did the math.) I am tempted to wing it and pay as I go along. I could afford it decades ago for a dog who lived to 16 and I had no pet insurance back then, and I wasn't making a lot of money. I survived financially. This insurance for 2 dogs costs me annually more than 3 vehicles with full coverage and zero claims on my auto policy. I can put the money into a CD. They do process claims in a timely manner, but they charge $3.50 per pet per transaction each time they charge for the policy payment. (That's 2 transactions for me per quarter for my 2 dogs, $28 a year.) Other companies are charging $2 for one transaction because they combine the policies in one single charge. The fee equates to less for me to be billed monthly somewhere else than to be billed quarterly with Fetch. Not for nothing, but why would Fetch's charges be so much higher when their employees have been working from home since at least covid? There is barely any overhead. They don't have to rent or buy and office building, pay for heat and A/C, pay cleaning people, etc. What constitutes their fees and exorbitant increases? Come on. I do have to credit Katie for correcting misinformation I got from someone else there (Lisa) who (twice) told me the fee was $5 per dog, saying it would be $40 total to be billed quarterly and $120 total to be billed monthly. The increases have been huge for years. They changed one of my dogs to their new policy with an annual deductible and didn't change my other, yet they are the same age and were insured the same day from the start. It doesn't make sense. I've had my policies for 10 years. There is no loyalty discount.

Employee was helpful and answered all my questions. I needed insurance for my kitten and was able to easily obtain it

There were no questions or delays in processing my claim. I was able to apply my reimbursement to my vet bills within 2 weeks of submitting the claim.

I canceled the policy due to the fact that only the first vaccinations for my puppy were covered

Fetch insurance has been a lifesaver. I've used it for two of my cats: one for a dislocated paw, and the other for stomach issues. After the initial deductible, my 90% came in quite fast. And if there is a delay, Fetch will let you know. I highly recommend Feth insurance for all your pets. It takes the sting out of illnesses and injuries.