I was told there was no paperwork or vet exam needed and have requested the transcript of that call, and I have not received any response to my 3 emails. As a result of bad information from the Fetch representative telling me no vet exam or paperwork was needed, and that wasn’t the whole truth I being told no, believing didn’t get paperwork done because I was told there was no paperwork, and now I have a claim, and now the representative tells me I did need paperwork and a specific exam and specific paperwork to be done and my dogs very costly diagnostics and needed surgery costs are denied and not approved. I’m disgusted by this.

Terrible insurance carrier.

Fetch Insurance has the worst customer service I’ve ever experienced. After dealing with them, we decided to switch to Embrace Pet Insurance, which was not only more affordable but also offered a far better experience.

TERRIBLE COMPANY. This company is incompetent.

I have not had any issues with a claim being denied, or a delay in reimbursement. My biggest issue with Fetch is how much my monthly rate has increased over 5 years. From when I first enrolled to the new annual premium I've just received, I am paying 78 dollars a month more and $1000 more annually. It's becoming unsustainable and I feel that I am penalized for making any claims because you get a 10% penalty for reimbursement over $250.

Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc.

1. It is frustrating to use your chat system as it was not getting me anyware. Due to circumstances with regard to using my debit card, I wish to make payments via e-checks which is more secure; and

Total scam.

I think that all the preventative costs should count for at least some of the deductible. The dogs could be sick from not doing those things and you cover sickness right? I thought that after the deductible was filled, you paid 80%. I received about 171.00. That isn’t 80% of the remaining 289.00. Can you explain please?

Slow website. If I am paying just for illness and not for wellness at this rate, I am cancelling asap.