Hey guys, im soon to be getting a golden retriever puppy and i need some help with pet insurance. Ive narrowed it down to fetch insurance because theyre the most affordable without the worst reviews. I have seen some chatter about them denying claims but since im registering my pup at less than 8 weeks i figure that they cant deny due too some bs like "previous conditions". Am i naive for thinking that? I was quoted $120 a month for an annual payout of $15000, annual deductable of $300, and reimbursement rate of 90%. Let me know if you think that i should adjust these values as i picked the highest cost options across the board. Still $40 dollars cheaper than trupanion lol. I am also considering the wellness plans but im not too sure of the value. Could you guys weigh in on if i'll actually need all of these things done every year and if i'll save money with it? The annual "savings" are $735 for all that stuff listed but the annual cost of the plan is $563.52, so i'll really only be saving like $170 bucks for the most expensive plan if i understand correctly. There seems to be alot of bloat but ive never had a dog before so who knows. I live in Canada if that matters, thanks guys.

Aside from the appalling over 100% premium increase in my renewal this year because my dog turned 10, I've noticed two new things in my Fetch policy. If you have more than 50 claims they can remove discounts and lower coverage. I always knew if you had a lot of claims it would cost you BUT how is the 50 counted? Every prescription claim counts? My dog gets 4 prescriptions a month, some only 10 bucks but it might increase my plans because of the number 50?? Next is the sublimit on prescriptions. Shouldn't be surprised when I saw them add their own pharmacy option. So if you use their preferred pharmacy that's waived. Great. But 2 of my dogs prescriptions are compounded eye drops and not available on their site. Nothing I can do about that? Has anyone ran into issues with these two new policy changes? Mostly worried about the claim one. I probably submit 4 to 5 a month of just meds. I used to put them all in one claim once a month but they kept messing up that way 🙄