They canceled my policy and sent me an email stating this, yet they continue to steal money from my account for the last 3 months. Fetch pet insurance are nothing but con-artists and thieves!! Avoid at all costs!! They were not letters stating my payment method had expired as they say. The email i received stated my account was CANCELLED!! Yet they continued to take money from my account which would be impossible if my payment method was not working!

They are really messed,up they have a computer. Send out emails before, they check to see what's up. There's many other,pet insurance companys out there. Check around before dealing, with these people. Don't say I didn't,warn you in advance.😡

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. Our dog has had VARIOUS skin issues, some are a rash on his groin a few years ago which has never come back, but recently he had bumps on his head and now a skin infection due to scratching and all claims are denied as he had an allergic reaction to something approx 4 years ago. Sick of it

I was told on the phone a bunch of great things. Like when you put in a claim it takes a few days to be refunded if I got the wellness added to my pets insurance. But that is not true now that I put in a claim I’m told it can take almost a month. Why was I told a bunch of lies on the phone ? So you could get a new customer? I truly hope it does not take that long because if it does I won’t be staying with fetch. If I get it soon then I will change my review but I’m still not impressed with being told a different story just to hook a new customer

When I paid for the insurance, I took it in case I needed to do something urgent for my cat. And it so happened that I had to visit the emergency once. I paid everything myself and sent an insurance claim for a refund. I had to wait almost 2 months for a response, first to receive information that there were not enough documents, and then a decline. It is very difficult to contact support. When I asked to cancel the subscription, they told me that I had to complete a quest to cancel. In general, it looks like a scam scheme.

I recently took my cat to vet and had an emergency dental procedure. I submitted the claims to Fetch and first they asked for more documentation and after two months they just denied it because they didn’t feel like it was urgent enough! that was my first ever claim with them! Scam insurance! Won’t be there when you need it most!!

This pet insurance was better when it was still Petplan and underwritten by AXA XL. Since it was taken over by Fetch and now underwritten by Axis Capital, they've become ridiculously unreasonable and nearly double the premiums during the yearly renewal with no justification other than the standard "age of pet and cost of veterinary care." My dog is not even a senior yet by veterinary standards and his age didn't double in 1 year to justify nearly doubling the premium! Also, considering most responsible pet owners who bother to pay for pet insurance are highly likely also taking their beloved pets to annual check ups, it's very easy to prove that the cost of veterinary care has also not doubled in the past 1 year to justify doubling the premium. Another major reason to not choose Fetch: they now try to exclude absolutely everything as a pre-existing condition even if it means using illegal practices to do so. If you want to donate your money to a company that doesn't care about your pets and is just after your money, then Fetch is definitely the pet insurance company for you!

Please, please trust me and do not use this company for pet insurance. While the fees are reasonable, the website is an actual pain in the butt to use. I sent invoices and all of my pets medical records, but my claims were denied because they kept saying the medical records were incomplete. I called, after having to search high and low for an actual phone number, and spoke to several agents who said, no everything you provided is sufficient, yet I keep getting emails that my claim is on hold because I'm missing documents. And then I find out that I can't even claim my actual visit anyway because my vet won't split out the vet visit for vaccinations, so I can't claim that either (not the fault of Fetch) however, very frustrated dealing with this company. Save your money and don't spend with this company, it's a complete waste of money.

Update: Thank you for responding, Fetch. I’ve followed up via email, as I’m documenting this issue for a formal complaint. I’ve also submitted a PIPEDA request to better understand how this decision was made. I’ll continue to update this review based on how the situation unfolds. At the time of this update, I have not been offered any option to restore my original coverage—even with increased premiums. I’m hoping for transparency and a fair resolution, especially as a long-standing customer managing a chronic illness. Original post: I’ve been a Fetch customer for several years. Our dog was recently diagnosed with a chronic condition, and shortly after filing a claim, I was informed that our reimbursement rate would be reduced from 80% to 60% at renewal. I was not given the option to maintain or upgrade the coverage—even at a higher premium. This feels particularly unfair, especially as we now depend more than ever on consistent reimbursement for ongoing treatment. It also appears that this downgrade was triggered by higher claim use, which raises serious concerns about how long-term customers are treated once their pets become expensive to insure. I’ve submitted a formal complaint to Fetch and am currently gathering stories from other policyholders to determine whether this is an isolated experience or part of a broader pattern. I hope to see better transparency and support from Fetch moving forward.

We chose Fetch because it promised peace of mind. For years, we paid our premiums without issue. But after our dog was diagnosed with a chronic condition and we submitted a large claim, our coverage was downgraded at renewal—with no option to keep the plan we originally signed up for, even if we were willing to pay more. Now we’re left trying to afford ongoing medical care for a condition we assumed would be covered for the life of our pet. We can’t switch insurers because of pre-existing condition exclusions, so we’re essentially trapped with reduced coverage and rising costs. Fetch may offer decent coverage when your pet is healthy—but if your dog actually needs long-term care, don’t assume your plan will stay the same. I would advise anyone considering them to read the fine print carefully and ask specific questions about how renewal decisions are made.