I write this review one day after leaving a positive review for Alicia. I have been a customer since 2020 and submitted my first claim ever within the last week for my dog. Vet records going back to 2020 place a "note" on his chart 2 days before his waiting period ended that now led to a denial of the claim. Had I not sent the records from 2020 (which I barely remembered existed), would the claim have been approved in its absence? 2020 was a crazy time period for people and I got my dog in to see the vet when I could. To now see that for my first claim (mind you it's >$1,000) it is denied, it all feels very nitpicky for a time period where rules sort of went out the window with a focus on health and wellbeing. But not for Fetch. To me, this is not why I pay for Fetch and ultimately is the reason I just ended my policy. Also, rate increases have been unruly and to pay for another year of coverage when things would likely be noted as "preexisting" anyways, I might as well pay for the work my dog needs out of pocket and then he will have a clean bill of health with respect to that part of his body and another insurance company will not mark it as a preexisting condition like Fetch did. Such a shame and unkind business practice. (This was for mid-January 2025).

I have been with Fetch for 5 plus years. all was going well until i had to renew last year. They increased my plan from $450 /year to $850 /year. i was okay with that since i had used their services the year before. But this year they increased the deductible from $300 to $1000 and only 50% reimbursement for $450. per year. I asked to keep my old plan and that was not an option for me. They were not willing to customize the plan or bend on any request. I either accepted the new plan or term the insurance coverage which i did and was quoted with another vendor for the plan i requested. I am very upset with Fetch and would not recommend them to any one.

Terrible, pushing me out by raising my premium $110 per quarter and lowering my reimbursement rate. Because I made a claim, I have been with them for 7 years, my dog is 8 years old. I love my dog. but i am retired. They could not care less. Very hard to deal with.

I had trouble submitting my claim although it could be user error

Paid monthly fees for months. The moment I file a claim for my dog's vet visit, they deny the claim because he had an ear infection in the past. They will look for any reason to deny a claim.

I sent a claim two times, but no response.

They charged my account for three payments that I was behind without telling me. They also indicated that my pets were not covered then but still took out the payments without informing me. Total scam

The process for filing a claim was unnecessarily complicated. After filing the initial claim they requested additional documents from us which we provided. It took them over a month of back and forth calls and emails to actually acknowledge that they received the documents we sent. During which time they repeatedly denied the claim stating that they did not receive the documents (they did). After almost two months they finally denied our claim. When we called and asked why, they stated that it was an issue with one of the documents from the vet. They told us we could call and ask the vet to change the medical records in order for the claim to go through. After such a long headache of them not communicating and then suggesting that we ask a vet to change records, we decided that Spot Pet Insurance was not for us and canceled our coverage. Our overall experience was incredibly frustrating and disappointing.

I work for a very large health insurance company (for humans) and I can tell you if we operated like this the OIC would make like a dog’s rectal thermometer and get right up our butts. I will be contacting Wisconsin’s to see if they handle pet insurance issues. Our dog had a visit for some symptoms that seemed like allergy symptoms, but their persistence led the vet and us to believe there was something else going on, leading to a soft palette resection (in short, the soft palette had overgrown and was causing an esophageal blockage and sinus cavity blockage). Figo denied everything flat out stating that the allergies were a pre-existing condition…despite the fact that this ended up having nothing to do with allergies. I’ve filed an appeal and was told I’ll hear back within 90 days. He’s back today for more diagnostics because he continues to have underlying issues and I fully expect them to deny even though the underlying issues are clearly not allergy related. I should note that our other, older dog is also insured with them and has never had a claim. Obviously I’ll be cancelling these worthless policies.

If I could give them zero stars I would. We were transferred customers from ManyPets insurance, a company we absolutely adored and had for well over two years. Since being transferred to Odie, it’s been over a month of constant headaches. Absolutely zero customer service responsiveness, and if you do manage to get a response by email, it’s an unhelpful automated link. Their automated email links (eg to activate account, etc) lead to error messages like “expired link token”. The only thing I managed to do was update my payment information. They then proceeded to charge me twice over for each of my pets, putting me out nearly $300. I ended up having to call my bank and dispute the claim and file it as fraudulent because I could not get a hold of anybody to correct the issue. Do NOT use this company. I ended up going with lemonade, which has amazing reviews and I’ve immediately been able to get a hold of a customer service rep to talk thru my new plan.