Fetch | Pet Insurance Review

I am a newer policy holder to fetch . So far I have had nothing but a positive experience. Filling out my policy paperwork was simple and easy and somebody was always available if I had questions. No I have recently submitted a claim for my pet who out of the blue was experiencing a tremendous amount of pain. The vet bill was high and I am so thankful I had Fetch to protect us and our pet. The claim process was easy and in a couple of weeks we were reimbursed for the percentage of our policy provided, I would recommend Fetch and will use for other pets.

Fetch is great! The streamlined electronic claim submission and digital app have made the claims process very easy. They send timely texts to let you know where your claim is in processing. So much simpler than how Pet Plan processed years ago. Our almost 9yo JRT mix has been insured since we adopted her. If anyone knows about JRTs you will understand the peace of mind insurance brings. The complaints I've read seem to be from folks who don't understand how claims are processed. Unlike people medical insurances, Fetch starts off considering 80% of the bill (the first 20% is our responsibilty to pay) then the deductible that you chose when you signed up is subtracted. After that, what's left that has been found insurable is paid to you. Direct deposit is the best! When choosing pet insurance deductibles are important to understand. I worked out the numbers for myself and here goes: a 80/20 plan with a $300 deductible will not repay you anything until you've spent over $375 but they will apply the appropriate charges to your deductible for that condition. Then if further treatment is needed for that, your deductible is met and allowable charges will be paid at 80%. With an 80/20 $500 deductible plan, you wouldn't get anything back until your bills submitted for that condition exceed $625. Submit all of your bills to apply to the deductible in case of future claims for the same condition. It's very simple. The math works out! Choose wisely when you sign up and you'll be very happy.

Fetch by the dodo is an expensive pet insurance. DO NOT buy. I used my insurance this year and they told me that since I used my policy they doubled my monthly payment. Once you use your policy they try to price you out before you cost them any money. This is the exact opposite of what I was told when I signed up for the policy. UPDATE: I called back today and spoke to a manager. He said my price did not go up because of my claim instead they dropped my reimbursement rate to the lowest (70%) and my healthy pet discount dropped in half as well. (not cool) That is what caused my rate to go up and my dog being a year older. I still believe it was a big price jump, but at least a manager was willing to talk to me. He said the person I previously spoke to was incorrect in telling me it was because of my claim.

Fetch has been great. There is always someone to discuss a claim or answer a question and the online part of claims and reimbursement is super easy!

Fetch really came through! Our dog had unknown dental issues which required 3 removals during his last dental visit. The bill was significant but we were lucky because our policy covered most of it! Definitely took a huge bite out of our bill, returned that perky spring to our little guy’s step and affirmed that Fetch coverage is well worth it!