DO NOT USE THIS SHADY INSURANCE COMPANY. They will deny every claim even in urgent situations. There is 14 day waiting period which they don't disclose. They are only out to get your $ and provide shitty service and no insurance when one needs it most.

Fetch always claim pre-existing or known issue. It's like going on holiday and your child breaks his arm and you get a hefty bill as you have no insurance. You pay it and your child gets better and all is good. You go on holiday again and this time you get insurance and this time your child breaks his foot, but the insurance company don't pay out as they now know the child has "bones". Two different things but treatment and recovery are the same.

I wish that I read the reviews before joining. When aspca says that they pay for preventative — they lie. I called around and could not form anyone who would spay or give vaccines for this minimal price. Not only that, they do not cover all of the vaccines. Which is sad. They paid less than 1/6 of the spay fee. I tried canceling the preventative part of the insurance — but then they do not allow you to cancel it. The racket is that once you sign up, you are in for paying all the bills yourself — and them. Sad. I am a physician and if human insurances did this — they would be sued and would not be in business.

HEALTHYPAWS is very deceptive in their non disclosure of jacking up your rates and worse yet, denying claims for no reason. I have three animals with this farse of a company and their new thing now is to say everything is a wellness check when it’s clear that an animal went in with symptoms and then diagnosed and sent home with meds and a treatment plan. I pay $$$$ for a plan that is disgustingly dishonest. Ever since Chubb bought them out they have become more and more dishonest. I’m so disgusted with them. Please do yourself and your pets a favor by not wasting a dime with this company there is no sense as they empty your pockets with their ever increasing premiums and then don’t cover your suffering animals. This is a mortal sin and they need to be called out on it by reporting to the Insurance commissioners.

The response to my information submitted was excellent. Claims processed quick and payment indicated quickly as well. However, I am confused. When I signed up it indicated that I would receive 80% reimbursement. In most of the claim responses, I probably got back more like 25%. This is certainly better than nothing, but I may need to rethink what I am getting back for what I pay monthly.

Absolutely awful company. You pay for rush shipping and 5 days later antibiotics for an eye infection still do not ship, you contact customer service who only replies m-f 9-5 and they take up to 4 hours to respond. Listen to the bad reviews and do not trust your money or your pets health to this “service” at this point I believe it’s just a scam.

Reimbursement amount is seriously bad, considering the amount of premiums we pay it’s rubbish!

Terrible service

I had been on a yearly payment for the policy for my dog. As soon as they billed me in full, I called and asked if I could change to monthly payments. I was told yes. A week later, Alicia left a text in our old chat on their website that I wasn't even aware she had done to tell me they would not refund the money. Not even an email. I don't appreciate being told they would do something, and then they renege.

After receiving negative reviews, it seems this insurance company has started posting fake reviews to improve its image and make it appear more professional. This behavior raises serious concerns, especially since, whenever a negative review is posted, they immediately begin posting multiple positive reviews every day—like March 18, March 19, March 20—from people who claim to be satisfied with their service. This pattern suggests that the company may be trying to manipulate its reputation, which only adds to the suspicion that it could be a scam. Pet owners should read the negative reviews to understand the truth about this company, what it’s really about, and the kind of service they provide. Often, these reviews offer a more accurate picture of the company’s practices and how they handle customer concerns.