Absolutely the worst company I’ve ever dealt with. To say their customer service is terrible would be a massive understatement. When I expressed dissatisfaction and asked for a survey, I had to contact them four different times. They “sent” it four times—none of which ever worked. An agent even joked that I could tell her my complaints and she’d “pass them along.” Obviously, when you’re unhappy, they make sure you never actually get the survey. Out of curiosity, I later asked them a question pretending to be a satisfied customer—on the fifth contact—and suddenly the survey magically appeared. This company is shady, manipulative, and dishonest. They flat-out lied, claiming they can’t cancel policies over the phone because of “Colorado law.” That is pure nonsense. Fetch Pet Insurance will waste your time, dodge accountability, and bend the truth to suit themselves. I would never recommend them to anyone. Avoid at all costs.

if you aren't a customer who makes them a profit, goodbye/take what you can get. While this appears legal (as they highlight their terms are only for 12 months at a time), it doesn't make sense when they say "we will never penalize you for making claims". This is clearly a penalty.

Google review- After five years of flawless payments, I am extremely disappointed with Fetch’s decision to hike my premium by nearly 48%. My monthly rate for each of my dogs, Samson and Delilah, skyrocketed from $80.16 to $118.36. I was informed that the underwriters took into consideration three factors; their increase in age (only 5 years old), my Florida location, and general vet cost increases! These do not account for such an outrageous jump. This kind of drastic, unaffordable increase is a terrible way to treat a loyal customer and is exactly why so many people have lost faith in the insurance industry. It appears their goal is to price you out of the game as your babies get older!

there is no customer service. Chat box does not allow you to speak to an agent or even type the issue. You need to spend too much time just to find an answer to a simple question.

Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.

TERRIBLE! I'm so endlessly disappointed. I have returned to Canada after a 3-year working contract in Brazil. I arrived and signed up. Sent all the medical visits we had, which were in Brazil. Now my dog has an ear infection. I applied for a reimbursement THE DAY of the exam 2 weeks ago. For 2 weeks I'm being pushed around with ZERO reimbursement saying that you need medical files from before I signed up because the ones from Brazil aren't what you need. THERE ARE NO MEDICAL EXAMS OTHER THAN THOSE! If you can't service me because apparently you have a problem with vets from a foreign country, then give me back all the months in which I wasn't covered and paid for your scam of an insurance. Absolutely awful! WORST EXPERIENCE EVER! Super bureaucratic process. Zero chance to talk to anyone. I gave one star because I can't give zero.

I just received an explanation of benefits for a claim I submitted to Fetch Pet Insurance. My policy has a 70% reimbursement rate and $500 deductible. Rather than counting the entire amount I spent for a recent veterinary visit toward my deductible (which is how my own health insurance works), Fetch decided to only apply 70% of the visit cost toward the deductible. So--now rather than having a $500 deductible, it seems I have a deductible of $500 x 0.7 = $714. I've had my Fetch policy for several years and do not recall the company applying this approach to calculating a deductible. Something is not right here. I've also experienced astronomical increases in my monthly premium (now $325, or about $4000 per year) for a limited amount of coverage (capped at $15,000). I believe that the tactics that Fetch uses to secure its near-five-star rating on this site are deceptive. For example, most of the comments on the review page describe interactions with specific customer service representatives. Most consumers want to give high ratings to customer service representatives because we all know those peoples' jobs depend on getting the highest ratings. using those ratings to describe the overall offerings of the company seems a bit deceptive. I've also noticed new advertising where Fetch spotlights large payouts in emergency situations and the reactions of the policy holders to those events. It is great that the policy holders had support for their pets in an emergency situation, but if Fetch paid out $11,000 for a single incident, what is the new premium that the policy holder will be charged? In my experience, use of the insurance leads to astronomical premium increases, so this approach to advertising also seems a little deceptive. My conclusion is that I would do things differently if having to select pet insurance for a new puppy. I would not select Fetch again. I would look for a company that offers unlimited coverage (rather than capping at $15,000) and does not gouge its policy holders. I would also look for a company that is posting genuine reviews of its entire performance, not just selecting comments about specific employees.

Very expensive and after not wanting the service got plenty of e-mails.

I had high hopes when I first signed up with Fetch because their customer service was helpful during the enrollment process. However, once it came time for actual claims and reimbursements, the experience took a turn for the worse. They consistently found ways to deny claims by citing pre-existing conditions where the coverage should have applied. It feels like they prioritize finding excuses over honoring their commitments. I would advise potential customers to be cautious and ensure they thoroughly understand the fine print before signing up.

I have been with Fetch Pet insurance for a few years now. I have been sick for the past few months and didn’t look at my credit card statement until yesterday and saw that my payment went up $30 a month higher than I was paying. When I called today they told me they sent me a renewal letter in April 2025 stating that in June 2025 the price will go up. I never received that email and when I look at all my emails from Fetch, there is no renewal email in April or May 2025. The representative “Ms Tammy was double talking the whole time when I tried to make sense of this mark up. My payments went up $400 a year from 2024 to 2025. I asked how could they take it upon themselves to raise $400 a year which is almost double my normal payment. I stated they have an electronic signature accepting the new price or in the alternative canceling the policy. I receive none. Ms Tammy told me that’s not how they do their program. I asked to take my credit card off the system,that I will pay monthly. Ms Tammy stated that’s not their policy. I have to have my credit card there. When I asked for proof that they sent me a letter in April2025 if the increase, Ma Tammy just sent me the letter now. It did not have an April 2025 date. First she sent me a letter for 2024 then she sent the correct letter for 2025“. When I asked her if they can adjust the three months and then I’ll change the policy to make it lower since I am on a fixed income, Ms Tammy said no ,they cannot do it. There’s no refund for those three months. I canceled the policy Ms Tammy wanted to make me feel cornered staying that my dog will not get treated for her pre. Existing condition by any other Policy except them. Ms Tammy tried to get me to switch to a different option in their policies. I told her that’s fine but no. She tried to scare tactics with me that did not work. I told her that I was going to the Better Business Bureau and to NYS agency that governs pet insurance, but we can avoid all that if I get the $30 a month increase for the three months back into my credit card, she declined. My review for you pet owners: if you want a company that’s transparent with how you get billed. This is not the company. I don’t know how they stay in business, but they’re not transparent at all and they always find a way not to pay a claim. If anyone has any questions, they can email me through this site and ask them to forward your email. I’ll be more specific if needed. Rosa , Ny 10309