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

Most of the time, I'm happy. But... the website is clunky and makes filing claims more trouble than it needs to be. Second, they sometimes ask for more information on a claim, saying the required information is not present on the invoice submitted. When, in fact, it is. I don't know if humans or computers are missing the details, but I submit invoices in the exact same format from the same provider and they just sometimes can't find what they need. (P.S. They will not tell you exactly what they need. It's a guessing game.) When you contact them using the contact method they provide, you get no response. Wait another 10+ days and they will automatically deny your claim, meaning you get to start over. (It is also a guessing game when they deny a claim, as they just tell you to read your policy.) So, their website is sorely in need of modernization and their customer service is... well, it's piss-poor. Piss. Poor.

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.

It’s probably too soon for me to make a fair assessment. The staff are wonderful people to communicate with, but so far I have been very frustrated with the reimbursement process. Also, as helpful as the staff might be, there doesn’t seem to be much communication between departments, which causes me to have to resubmit information. I know that it is necessary that they receive details on the doctor visit to process claims, but I am still waiting to receive any reimbursement for care. I will look further into what I may be doing wrong, and give it some more time

I sent documents regarding my pet’s previous veterinary care and received a message stating that my claim could not be completed due to no documentation

The process is nice and seamless but started off paying less than $50 a month to now paying over $80 a month in just 3 years with my employer discount . The year to year increase is insane when I have a medium size pup, 4 yo with no health issues. I haven't had the time to research other insurance companies so I continue to pay unfortunately.

Take your money and run because that’s what this company will do to you. Every emergency claim I put in is denied. They make up excuses saying my deductible ($150) is higher. The bill comes out to over $200 I think I’ve met the deductible and should be covered at this time…. NOPE! I’ve paid more money out of my pocket with this insurance than ever. They will never help your pets or your wallet. Typical insurance company.

Thw rates were reasonable for 5 years with increases 10% as espected. The moment we used the plan it went from 100 to over 300. Been covered since 8 weeks old and this is the thanks. They know they have you bc now 5 years pre existing ear stuff and etc. If you leave to another company you loose coverage, essentially no options. They claim bc new coverage is catagories but they decreased sick from 7500 to 5000.

I liked to get insurance for two puppies but after 8 days I got charged as a same price for one of my pets. I requested to cancel the order they said sure but they charged me.

This is my 3rd year of policy renewal, very unhappy with the claim processing time. My premium is paid in full, the claims are all the same for her treatment, yet it takes 3-4 weeks for reimbursement? Is this company at risk, bankruptcy, etc??