I haven't used it yet so I don't know. I've heard they pay out but I also read some horrible reviews. I don't know yet. However, I do know that they email you until you actually review them. And considering they're not a pet insurance agency & they're owned by 1 of the largest big equity firms in the world, I get it. Its PR. Hopefully if I need them, they will reimburse me. But again it's America & big equity. They don't care. Just try to keep your babies safe.

Taking longer than anticipated for the underwriting process.

After having the insurance for a year they tied an issue with his limb to a non-covered event and denied the claim even though our vet noted it was part of that issue. They are not friendly when it comes to the denial of the claims. They give very detailed rejections and don't cover anything that may be covered. They are dishonest and their customer service hours are horrible.

After initially thinking I might have finally found a decent pet insurance provider in Spot, I’ve had my confidence in them shattered by one denied claim. My dog’s at‑home cancer screening flagged a moderate risk, so my vet ordered an abdominal ultrasound. Spot refused to classify the ultrasound as a covered diagnostic, even though their illness plan explicitly covers exams, diagnostics and lab tests. Their reasoning? Because the screening test itself is still in the proof‑of‑concept stage, all follow‑up care is “preventive” and excluded. That logic ignores both common sense and Florida law on interpreting insurance contracts. I made it clear I wasn’t asking for reimbursement - just that the ultrasound be applied toward my deductible - but they dug in anyway. Multiple appeals, BBB complaints, and even a letter to the underwriter have produced copy‑and‑paste responses. I’m keeping the policy only because my dog is a senior and switching providers would expose him to new waiting periods. But I’ve withdrawn my recommendation to colleagues and will be sharing this experience with the benefits broker who suggested Spot. If you’re looking for a pet insurer that stands behind medically necessary diagnostics, you might want to look elsewhere.

I insured my dog when he was only a few months old in 2012 at a monthly premium of $30.21. With annual increases as much as 36.25% my new monthly premium for 2025 is now $480.76. I had to let the policy expire. I’m retired, living on Social Security, and that’s more than two and a half times my monthly Medicare Premium. On top of that, regarding on my last two claims, they denied medications consistently covered in the past. They’re making up the rules as they go.

I did research and thought this would be a good company to go with for my first-ever insured pet. Afterwards, I keep hearing about how difficult Fetch is to work with regarding claims etc. So I am holding off on giving a great review until I've actually used the process. Signing up was easy enough, let's hope the rest goes as smoothly!

PLEASE stay away from this company for dog insurance. They denied claims that were clearly stated in the policy and tried to claim they were “pre-existing”. On top of that their customer service is horrible. Save your money and find a different insurance company.

Cost four times increase in two years - for coverage that we have not used. The customer service has been professional.

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading. I had 90% coverage for 2024-2025, then jumped down to 70% 2025-2026. I had problems with my cat the first year and thought, ok cool, 90% is covered because it was within the dates. Wrong!! Apparently there's a period A MONTH BEFORE THE END OF THE POLICY where the "new" policy goes into effect. So after like FOUR months of waiting for my reimbursement (a whole other ordeal), it was the lesser amount because of some invisible clause. Frustrating.

Your communication is wonky. You communicated to me about the wrong reimbursement and keep saying it's being reviewed when I;ve submitted multiple variations of the paperwork requested. Additionally, this reimbursement has been approved previously so why the issue now?