Do not use! They are a sad excuse for pet insurance!!

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.

Denied a $5000 tooth extraction under their Every Tooth Covered policy because a past vet exam listed "scant tartar" as an observation. Fetch considers this to be "indicative of pre-existing periodontal disease". My vet writing a letter that this is an absurd take did not help. On top of that, their customer service is horrible. Their email responses are extremely dismissive if not completely AI generated. On the phone the representatives are friendly and polite but are not at all imbued with the power to solve problems in any meaningful way. Go with Trupanion. I did my research and they were my other option but I made the wrong choice.

Payments delayed Excessively high fees Impersonal service (upon death of pet) Submission process online is cumbersome

If I could rate Fetch zero or even negative stars, I would. The only type of client that could possibly have a grand time with Fetch is one with a brand new kitten or puppy that has yet to see a vet and has no known health conditions whatsoever. Older pets, even if just rescued/adopted, will rarely have successful claims as they likely have records of some kind of condition that Fetch will reject from review outright. It's very easy to sign up with Fetch, but also very easy to not find out what classifies as a pre-existing condition. Gingivitis? Your dental cleanings won't be covered even with their Wellness add-on (which barely covers anything). What kills me is that this is a very treatable condition, namely in the early stages, but they will reject your claim if gingivitis was recorded in any previous records before your policy starts. Sorry for wanting to make sure my cat was healthy and had a vet for emergencies after rescuing/adopting him because he had no records? What even is the point of dental coverage if they don't cover general cleanings with or without gingivitis? Complete waste of money. They might as well be UHC for pets. Guaranteed to reject your claim so they can keep profits. We may have paid for the year already, but we will be cancelling our plan immediately after realizing Fetch is a waste of time and so much money. I highly recommend looking elsewhere or putting those payments into your own emergency account - might as well fund coverage ourselves if we're going to be forced to pay up with useless insurance policies.

If I could give zero stars I would. They totally f’d me over: 1) they issued me two policies instead of adding wellness to mine 2) they then rejected my wellness claims stating that they are not covered in my policy because I had two (which their sales person actually advised me on) 3) when we escalated the issue it took 3 months and still no resolution I have cancelled my policy now and going with another provider. Please do not go with them!! Keep yourself and your pet safe by sticking to a better provider. Luigi knew what was up with these insurance firms

I initially got pet insurance because I never had a lot of money saved away, and when we started it was only $30 per month. After about 6+ years with Fetch Pet Insurance, and the way they weren't able to own up to their own mistake after a quote on a big operation for my dog, I have come to the conclusion that the money I pay for Pet Insurance just isn't worth it. They missed out telling me important information multiple times, which is frustrating - I could have been using it on our yearly vet bills. The thing is, within 4 years, you could and likely will be paying $150+ per month per dog because your premium keeps going up. You're better off saving $200 a month for your dog's vet bills and their future, in my opinion.

I initially got pet insurance because I never had a lot of money saved away, and when we started it was only $30 per month. After about 6+ years with Fetch Pet Insurance, and the way they weren't able to own up to their own mistake after a quote on a big operation for my dog, I have come to the conclusion that the money I pay for Pet Insurance just isn't worth it. They missed out telling me important information multiple times, which is frustrating - I could have been using it on our yearly vet bills. The thing is, within 4 years, you could and likely will be paying $150+ per month per dog because your premium keeps going up. You're better off saving $200 a month for your dog's vet bills and their future, in my opinion.

Do not under any circumstances purchase Fetch pet insurance. I paid my premiums faithfully for my giant breed dog for many years. They continue to find reasons to deny a claim for a foreign body obstruction. I am a single parent spending 138 per month and they are denying the claim. There is no one to talk to there, everything has to be done through the app. I borrowed the money knowing I had insurance to keep my 5 year old Newfoundland alive and now I’m deveststed. Please trust me, do not trust them. Get pet plan plus or trupanion. I had trupanion as fetch was less expensive but they raised my rate 3 times. Now here I am having paid 7k in premiums and for nothing. I’m defeated. Don’t trust them.

Their ad says vet visit are covered, recently took my dog for her annual check-up and update her shots, my bill was over $300 and they only paid out $17. With all the premiums I paid out it could have paid for my vet visit. Cancelling my account today