Adopted a dog from Anti-Cruelty of Chicago. At the tail end of the paperwork process, Ken comes in and makes a pitch for Fetch Pet Insurance. Cost quoted was $26. We said I'd like to think about it, he said no problem and he would send an email in case we decided to move forward that we could either contact him through or click a link. A couple of days later we decided to get the insurance and my wife said we never got an email from him. Tried to reach him for 2 days before he finally returned my call. Most of the time my calls went direct to voicemail. Seems he was busy and his phone had died. Said he'd sent an email but, would send it again. We verified the email was correct. Here we are a week later and still no email and he does not return calls. Most of the time, again, my calls go directly to voicemail as Ken has said he has frequently been too busy to charge his phone and it winds up dead. Imagine that. I've made two calls to Fetch customer service. Per their CSR, there should have been a quote in their system that generated off of the quote we had gotten from Ken. It should have been filed by the email Ken had for us. This shouldn't be a surprise at this point, there was no quote in the system. The first guy didn't give a damn but, would be happy to sell me a policy for the $42 I'd been quoted by their online system. The second guy seemed irate about our experience and was able to get the price down to $35. However, at this point I'm pretty well ticked off that Fetch's negligent employee is going to cost us $9 a month so I declined. He told me he would have a manager call me on Monday. This second call took place on Saturday. It's now Wednesday. I still haven't heard from a manager. Actually, at this point, I'm not expecting to. Ken was super nice in our interactions with him over the two days we were at the shelter looking at dogs. Apparently he doesn't understand the way sales jobs work or his part in the system. We think we will still buy a policy for this dog. We have already scratched Fetch off our list so the search will go quicker. The way we look at it, if they have this much of a problem before the sale, I can't even imagine how bad are they going to be when it comes time to reimburse for a bill.

This insurance will find any excuse not to pay you it’s a gimmick

Claim processing is rather slow. Customer service is rather slow. I should’ve done more research before signing up with them because now that I know there are definitely other insurance companies that are better and at this point I’m kind of stuck with them because another insurance company won’t cover anything that’s already been covered they can consider it pre-existing so my dog deals with allergies and if I go to a different insurance company, they won’t cover the allergy treatments now. But at least it is some insurance and it’s somewhat covered so at least I’m getting something back although at a delayed pace and not at a high rate.

Initially we were happy with them when we had to have a claim when our dog needed to have surgery after eating a rock (2023). They seemed like they really cared and were proactive with our claim. Fast forward about a couple years later and of course my dog ate another rock (despite taking numerous measures, including removing any visible rock from our yard) and fractured her tooth in the process. I feel like they were looking for anything to classify it as a pre-existing condition because they said she had signs of tartar when we had her teeth cleaned when she was 9 months old. Sure, unchecked tartar can weaken teeth, but we had her teeth cleaned twice within her 4 years (it is expensive to get your dog's teeth cleaned). So being responsible pet owners and having their teeth cleaned on a regular basis can eventually mean your claim will be denied because they have "evidence" of it being a pre-existing condition. It would have been better if we just did not have her teeth cleaned apparently so there was no "evidence" of a pre-existing condition. Think if adults had tartar during their check-ups and then their insurance denied claims if they had a fracture. Simply ridiculous, I thought Trupanion was a different type of insurance company, but maybe they are just like the rest.

I was impressed with them but after just 1 year their rates went up! Not just a little either. I now pay $60 more a month. They blamed it on the vet raising their prices but I ask my vet and they said their prices have remained the same. My older dog had to have some dental surgery and it was a tad pricey and to me they are like any insurance company that as soon as you file a claim on them, they will raise your policy and that’s what they did then they’ll lie to you and tell you this is why they did it. Trust me I was P.O. Stated that they sent an email out saying that the prices were going out, but I never got anything. I went back through all my emails. I got nothing.. they raised one of my animals so for a total of 60 more dollars a month which they think people are rich I guess and they don’t really care if you leave them or not I’m telling you right now just now after a year, your insurance prices will go up regardless.

Sky high prices. Increased the monthly prices over &50 and did NOT NOTIFY THE PET OWNERS. Scammers

Shamefully increasing to the highest premium each year of my dog’s life. I’ve been with them for 12 yrs. They only care about money not the animals. They pay for what they say they do because they have to.

I've dealt with them several times and have found them to be VERY SLOW in processing claims. Additionally, they say they've paid a claim and it takes forever to actually receive it. Also, when asked why it takes so long, they simply say "short staffed." I made the comment, "maybe I should have considered a different pet insurer," their response was simply, "that's totally up to you. I guess they figure that one less client means less claims to process. I would seriously suggest that you consider other pet insurance options.

I've had Trupanion for my cats for over 2 decades. It provides very good coverage for everything but routine vet visits and vaccines. The reason I didn't give it 4 or 5 stars is because the rates go up significantly every year--much more than the cost of inflation. You have to be quite well-off to afford Trupanion coverage now compared to when I first signed up. There are other, less costly pet insurance plans but once your cat has a medical condition you have to stay with the one you have as no pet insurance covers pre-existing conditions. On a positive note, my cat was recently diagnosed with feline diabetes and Trupanion has covered all her diagnostics, bloodwork and medications for this condition. So I am very happy about that.

Will not recommend this insurance to anyone! They are deceiving and salting false promises. Policies changes as the pet gets older ! I have been paying for pet insurance for my two dogs, 14 years for one and 8 years for the other dog. The first dog became ill and I have been running to the veterinary on many occasions and to the emergency room. Then awaiting for reimbursements for over a month. Upon contacting their office I was advised that nothing much was being approved. Illness became office visits and emergency was not covered! I spent over $3000 on medical expenses and still waiting for reimbursement check that is not coming! I was left without money to keep my dog alive and had no more option than to euthanize my beloved pet. I was then promised that funeral expenses were going to be covered, but not until today I am advised that cremation is not part of the coverage. So why sell a policy when is useless! If I had saved the monthly payments, I would have had money to keep my dog alive !