An absolute scam. My senior cat had a UTI this summer and an ER bill for $1300. They denied the claim stating the UTI is a "preexisting condition" because he has urinary crystals when there were no crystals present at the time of his ER visit and a UTI is a BACTERIAL INFECTION, completely unrelated and caused by grooming/ecoli. I worked as a vet assistant, in a vet hospital, and in animal welfare, I understand this condition and this is completely unrelated. For a human comparison, this is like going to the doctor for the flu and your insurance refusing to pay for the visit because you also have asthma. How can a cold or the flu be a preexisting condition??? They denied my claim, I filed an appeal, and they denied that, too, so I canceled my policy. For the $130/month I've paid for a year I could've paid his vet bill in cash instead of being out $1300 and having to deal with this. Save your time, energy, and money.

Large annual increases in premiums - avg 36%/annum over 7 years. Fairly long waits for reimbursements. Claims denied if filed more than 90 days afterwards, even for monthly prescription refills. Mistakes on reimbursement amounts requiring multiple follow-ups.

fetch denied all our claims for a foot infection and claimed it was a pre existing condition. even after the vet wrote a letter stating it was not pre-existing and we provided a full 2 years of medical history they denied our claims. our cat died from the infection. never use this terrible company

Choose a different pet insurance provider, Fetch will quickly find every way to deny a claim as a pre existing condition and not pay your claim. After many years as a customer with Pet Secure we transferred over to Fetch for our 5 year old dog because they advertise that they cover comprehensive dental and we knew he would eventually need his first dental cleaning. Our dog had a a routine dental cleaning months after we signed up with Fetch, our dog had to have some teeth extracted based on X-rays taken during the procedure, they denied the claim with 24 hours because they said that we hadn’t provided medical records for the 6 months prior to being a customer. We then uploaded an additional record for the standard vet appointment our dog had prior to the dental appointment, they then said the reassessment of the claim could take up to 30 days (even though the initial claim took 24 hours) during which they continued to take their $100 premium. They came back with a secondary denial of the claim stating that the teeth that were extracted were due to periodontal disease as a pre existing condition because the vet noted one broken tooth in his initial standard appointment, there was no way of noting which teeth (if any at all needed to be removed) until X-rays were taken during the actual procedure, we assumed we were just having a standard dental cleaning for our dog. We have since followed up with Fetch to discuss the second claim denial and no one has responded. We have since terminated our policy, it’s been a disappointing experience from start to end.

I wish I could give zero stars. I have 3 pets and now have all of them with Lemonade. Fetch has been the worst pet insurance company I have ever dealt with. The are expensive and the reimbursement is terrible. It is like have a bad car warranty that doesn't cover anything. The customer service at Fetch is absolutely worthless. If you are looking for a wonderful pet insurance, consider Lemonade Pet Insurance. Lemonade is fantastic.

If I could give 0 stars, I would. Absolutely scam of an insurance company. They charged us for 5 months and when our pet finally needed to be taken in for UTI they denied the claim. They said we didn't have a checkup in the 12 months prior to enrolling or in the first 30 days -- which is something i told them during the onboarding because he's only 2 years old, we only had to take him in for the first year of neutering and vaccinations. If the initial checkup is a mandatory requirement for any claim in the first year to be successful then why continue taking my money? Why not mention it several times? why not remind your customer? Why not train your sales reps to emphasize this? I spoke with three sales rep during onboarding and an agent before the day of his emergency surgery and they said everything looks fine. DO NOT GO WITH FETCH, their customer service is atrocious, and their policy misleading.

My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.

I was disappointed to learn that there was a $300 deductible that isn't met right away. I thought that the total invoice would meet deductible but found out only partial dollars of invoice are used , So one would have to see vet multiple times before meeting deductible. That wasn't clearly elaborated to me. Also, they take their time reimbursing

Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.

I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.