This will not be your average review. It is from the point of view of a customer that decided not to use Fetch. The reason for that decision was based on several factors. Number one was the incessant flood of emails that I received after adopting two kittens from an animal shelter, over two dozen emails so far. The second was the manipulative nature of the emails, with questions like "Do you consider pets to be part of the family?". The third is that after reading their policies and researching average pet owner veterinary expenses in the USA, it became obvious how they were making their money. The fourth was the reports of Fetch's escalation of premiums over time verses the actual rise in veterinary expenses nationwide and reports of increased premiums once claims were made.

About 18 months of coverage and I'm still trying to decide if it's a good deal. I pay to cover our two dogs for their routine veterinary health maintenance and for emergency/sickness care, as well as pharmacy. So far, fortunately, all our claims were for routine preventive care. I've found the reimbursement levels to be disappointing, and the claims review process a bit opaque and sometimes not satisfactory. When our 5 year-old dog went in for routine dental exam + extractions under anaesthesia, the claim was rejected on the basis that a vet had previously indicated a finding of gingivitis, which rendered all his dental care "pre-existing condition". Of course we wouldn't have scheduled dental care based on a finding of gingivitis alone, and anyway that sort of cleaning IS part of routine dental care in a normal healthy dog. So I've come to realize they skimp on reimbursement. I haven't discontinued yet because I hope that perhaps the insurance will prove itself when there are real health emergencies that are costly to address. I'm not holding my breath.

Your website is deceiving as far as cost!

I have an American Pocket Bully. I rescued from the Humane Society. She had issues I was unaware of. I tried every single thing I could to figure out what was wrong.

Update on my lemonade review:

I’m on a Wagmo Wellness plan and have had a great experience so far! I took my senior chihuahua for an exam, Blood work, urinalysis, Rabies vaccine and a toe nail trim. It came out to just shy of $400. I only ended up paying $118 and got reimbursed in under 48 hours. Impressed, glad I got the same plan for my cats!

Still waiting to hear back about my claims

I have used trupanion for 7 years. And my rate has gone from $40 to $112 a month. That’s $480 to $1,344 annually ( that’s with a $1000 deductible)Trupanion says they never increase rates based on claims you submit. Instead, they use a complicated formula to increase your rate. This rate doesn’t cover office visits or any well care ( others do). And only reimburses 90% of covered costs.My dog has been diagnosed with a chronic illness that makes it impossible for me to switch companies now. I really wish I had chosen a different company. Do your homework, Trupanion is not a good company.

After spending $230 on a a yearly exam and vaccines. I would expect to get more than $100 back. This is not the first or the second time this has happened. I very seldom use the insurance and feel you should get more money for keeping your pet healthy.

WELL I HAVE HAD A QUOTE BUT ITS VERY LOW THEY DONT ASK ANYTHING ABOUT WHERE I LIVE