I signed up for the wellness plan. First year claim smooth and uncomplicated. First vet to indicate she had a loose knee so Fetch upped our premium the following update. This wellness check at vet no mention of knee problem. The vet's office puts the exam in with two of the vaccinations for a total of $149. Fetch did not pay the exam fee. I contacted them, the vet's office contacted them and still no reimbursement for the exam. My next renewal would have gone up by another $12/month. I paid $144 over the year to get $50 back on visit. I have since cancelled the wellness plan and will not be adding it back.

Your company has tried to not refund to the customer with all excuses, I have paid from 11/24 to May/25 and I only took once for my pet routine check up before the expired the insurance 5/18/25 and I sent all the informations you told me by mail because I cannot handle computer. You are so bad with no integrity in running business. So disappointed.

Typical insurance company..con people!!!

Never actually reimburses any expenses it seems like, honestly just a waste of money

Possibly the worst company I've dealt with. I had 2 accounts with them under 2 different emails (one was under another person's name). We reached out together to join them under my email and a credit card. Here is how that went: Each email response was sent from a different person who had no idea what the request was. They kept calling me different names. They made a mistake changing the email and set it to @nomail instead of @gmail, then claimed that this is what I asked for. After that they finally changed it to the correct email, but that somehow removed me from accessing ANY of the 2 accounts I had. I tried waiting for a while to see if the issue gets fixed - nothing happened. So I tried cancelling. Here is how that went: I replied in the same thread asking to cancel. I got another person, who told me that the reason why I can't access my accounts is because of me - I asked for an email change and not account transfer (but I have a thread where I explicitly asked for the account transfer right in front of me). They also said that I need to call them to cancel. So I called. Here is how that went: I was put on a hold for a while, then I finally got to speak to a real person. She confirmed that she can see all of the pets under my email and the credit card, but said that I am not authorized to cancel this and there is nothing she can do about it other than transfer me back to the support department that asked me to call. Ultimately, I was charged for years of service that I never received, and the company repeatedly attempted to gaslight me by shifting the blame for their errors onto me. The only positive note is that the person on the phone was at least friendly about not helping me. Update: after posting this review, fetch called me and offered to terminate the accounts. I agreed to it, but I am still getting messages about missed payments, so not sure if anything really changed…

I just joined so there isn't any history yet.

I was surprised and dismayed to find out Fetch won't cover orthopedic conditions until 180 days after the inception date. I thought the waiting period was 15 days and didn't know there were different waiting periods for different conditions. I found out today that another well-known pet insurance company only has a 30 day waiting period for orthopedic conditions. I am writing this review so other pet parents know what to look at when considering pet insurance.

After losing my last dog, I wanted to try a new pet insurance. I was recommended Fetch by a friend. I selected the 90/10 coinsurance with a $100 deductible, with the understanding that my premium would be higher. The first year, my dog was neutered and I requested an X-ray of his tail due to excessive biting and chasing of his tail. I skimmed the renewal but did not read it in full. After my dog’s first visit to receive his inoculations, I submitted the claims and it said this covered $50 of my $500 deductible. I called and told them that this was not the plan I signed up for. I was told that due to my excess vet visits in his first year, they changed my plan. I asked if this means they could eventually drop me. The response was “it’s a shared risk”. I am completely disgusted with them and will be switching back to the plan my first dog was with. My dog did not have excessive visits and the fact that they could just drop you is completely unacceptable. So in the future, if God forbid, something happens to my dog, they will drop me because he got sick? And another company won’t accept my dog due to underwriting? With my last dog and last carrier, they increased my premium annually, but they were there for me for the entirety of her life.

I was supposed to receive an additional direct deposit as my full reimbursement was not given to me. I spent time on hold, spoke to a woman who agreed I should have that deposit, but it never showed up.

Where do I begin? They do everything not to pay the claim. When the request more records and I sent them, I get an automated email saying the records were received and it’s in review to make you feel things are taken care of when in fact customer service said that’s just an automated response. They tell you to wait 30 days then call back so you do, and they say they still need more information. It goes round and round and round. They never did pay on my first Dogs’s bill and I got so sick of it I gave up only to send my second dog in For a claim and they’re still pulling the same thing they did on my first dog. customer service can only take your information and give it to the claims department, but you can’t speak to the claims department their gods or something. I do not recommend this insurance company to anyone. I have paid my claims on time and not one time if they paid out. It’s a constant battle to make them pay.