I was incorrectly charged for a year-long insurance policy I did not authorize. When I contacted the company, they initially couldn’t explain the charge. Later, they called and claimed the policy was canceled one day late, so they would charge me for that day and refund the rest. However, I had canceled the policy well in advance and did not renew it, so their explanation makes no sense. I even have a confirmation email proving the cancellation was on time, but they insisted it was canceled a day later. The amount I lost was only a few cents, so I’m not overly concerned about the refund (which I still haven’t received), but this experience has completely undermined my confidence in this company’s reliability. I’m deeply disappointed and hesitant to continue relying on their services.

3 months - new excuses - fraudulent company.

Turned my dog down for insurance. Didnt even have the class to see if all of the cancer is removed tomorrow. Just saw cancer and stamped DENY

Be careful with Fetch. There is an excess on every condition your pet has that you claim for, meaning you don’t get any rebate until after you have exceeded the excess. In my case it was $200. They also took 2 weeks to even process my first claim and tell me that they approved it but wouldn’t pay me anything as it was under the excess amount. This sort of insurance is only good for really expensive visits like a costly emergency surgery, and even then you need to have the highest covers to get any decent sort of benefit. Other providers have much better coverage and service without the excess.

app needs work.

Easy and efficient.

Be careful sending money to this company!! They are not honest about Rx prescriptions as many states have ruled online prescriptions illegal!! Such as Montana,but this company does not inform you if your state allows it so your pet could suffer!!

I will say that the customer service reps are fantastic. I’ve never had a negative experience when I’ve had to call. With that being said, I’ve had to call them way more than I think is necessary. The turnaround times between filing a claim and receiving the money is ridiculous. I have waited months for my money before. If that’s how long it takes then you need to be transparent about it and not advertise on the app that it will take 3-5 days. I also have had issues with the insurance reps denying things that shouldn’t have been denied, things that were blatantly missed on the forms, and making up diagnoses for my dogs that weren’t present. For example, one of my dogs who has since passed was on comfort care for cancer and for AVN of the hip. They didn’t approve any of his treatments for pain because they put a blanket statement saying it was DJD which was a preexisting condition (which that dog had never gotten any treatment for, it was only one line one time on a SOAP note for a yearly exam). I also had many issues with them delaying payment claiming that my vet had never sent them SOAP notes despite them being faxed, emailed and called about several times. I now get my SOAP notes emailed to me to submit with the invoices because my vet was so frustrated with this company. There are times I’ve had no issues at all but the issues I’ve had have been really bad and I’ve called and had to use my mean voice on the phone (which I never enjoy doing). I get a really good discount through my work so I’ve stuck with them, but when I consistently feel like people are trying to play games with my money and my fur babies I spend a lot of time and energy fighting back. Not trying to be negative, but if this company hopes to improve, I want to give honest feedback on my experiences.

My dog has a problem expressing her anal glands. We've been to the vet multiple times and will continue to do so on a regular basis. The Vet wrote a letter explaining that my dog has a medical condition and that this is NOT a cosmetic, elective procedure. Even after submitting that letter to MetLife, you continued to deny my claims.

Worst policy. They are happy to deny a claim.