I have 2 Labradors insured by Fetch since they were puppies. They were evaluated for hip & joint problems by vet per requested by Fetch to wave a 1 year waiting period on hip problems. They have had their checkups with the same vet practice & are in excellent health. The have increased my annual premiums by double over the last 3 years for my one dog who is now 8 & the other dog who is 6 I just got her renewal & they have almost doubled that. They offer a lower premium by suggesting you lower your annual payout & increase your deductible which amounts to $10 to $12 a month. I did this with the older of the 2 when he 6 years old & the next year they increased my premium back higher again. I contacted Fetch today & offered the same solution which I refused . They are saying it’s the breed & age but I have contacted another person who I recommended Fetch too & the same reason is being given to her for the increase in her premiums. Her dog is a small breed mixed breed part Papion . She has never filed a claim & has had her policy less than mine . Fetch is increasing our policies for other dogs health problems. I do not mind & expect increases in premiums but not at the amounts they are inflicting on their insured. I wonder if they are trying to price you out so you can no longer afford your policy after they have collected premiums for years with no serious claims or any claims at all.

Horrible wellness reimbursement

I pay $770+ a year for an insurance policy. When we took our dog to the vet it cost us over $600. We were reimbursed $80. The math isn’t mathing.

I have been trupanion member for 9 years. Trying to add a new puppy - was unable add, frozen screen on Safari, and they did not give me choices regarding deductible in registration of new puppy - so ended up with more expensive policy that I wanted

The only reason this is a 2 instead of a 1 is because their 24-hour Paw Support has good vets available for questions that can help you avoid a vet visit. But OMG - otherwise, they are crooks. They raise your premium every single year significantly and find every excuse for a pre-existing condition to be recorded for your pet, and then of course there's a deductible. It just makes more sense to self-insure. They're really more concerned with making money than build any kind of supportive ecosystem for you and your pets.

Please research carefully before selecting this company. I don't object to their nonpayment of claims. They appear to select any reason to not pay a claim. Not only did I have to endure the trauma of burying her, here are two distressing excerpts from their response to my euthanazia claim. 'This condition and any related conditions or clinical signs would be eligible for coverage in the future provided your pet remains free of signs/symptoms/treatment for a full 12 months from the most recent occurrence'. 'As such, these and any future masses (including cancer) would be excluded from coverage by the policy.'

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.

We had a policy on our dog for about 5 years. It seems like they covered nothing except for a mass and the euthanasia - but that didn't even meet the deductible, so we received nothing. 5 years and several thousand dollars later. I suppose we were lucky that our fur baby only went in for annual visits until the very end when we had a few extra visits. They never covered any arthritis issues b/c somewhere in the notes, the vet mentioned his rear leg was stiff.

Your medical records requirements are excessive and time consuming. My claim has been delayed due to this. I submitted what I thought was adequate medical records, (invoices for the time specified) but when I filed a claim I was told that they would not suffice. I had Nationwide for the life spans of both dogs and NEVER had to go through anything like this. I am seriously considering looking for another insurance plan for my dogs.

We had embrace for years. We moved cities and they changed our premium by over $200. We have been previously approved for Physical Therapy for our dog with hip problems and they have now changed the policy so that you have to be in a building with a vet. They have done everything in their power to remove benefits, refuse claims and continue to increase the prices.