This company is slow to pay out their claims and hide behind a 30 day return on your fees. I am going to stick with it for a littlewhilelonger but if they dont get more people to help process their claims, I will be dropping them.

We have been faithful to submit every claim on time, but ONE time, the website was not working and it wouldn’t allow us to submit. By the time we were able to, it was “outside the window” of allowance and our claim was denied. Incredibly frustrating. No flexibility. We will be dropping our pet insurance.

Turnaround time on claims and mobile app

First of all, DO NOT BUY PET INSURANCE. Pure waste of money. Open a savings account and put the premium in it to save up for the "bad times". Used 2 ins companies, first one quietly increased our premium due to "age" with very little communication, burying the notification in a routine annual renewal email. Second company, Figo, paid for little bills (applied to deductible, so almost nothing paid out) as our dog's health declined, then denied an x-ray related claim due to pre-existing condition, heart murmur. X-ray was NOT done to check on her heart, but to determine a NEW coughing issue. Because vet prescribed heart murmur meds, it was deemed pre-existing and denied. Appealed denial, they claim they did not get the email (it was sent, no error message received). Dog's health continued to decline, we sadly had her euthanized. Euthanasia claim denied due to pre-existing condition causing health decline, stating she had heart, tumor and cough issues in 2024. NONE of those were related to any of her 2025 issues. We'll appeal that as well, but I see how the process works now and have very little hope of any reversals. Please, save yourself the hassle and headache and open a savings account, and avoid the pet ins scam.

I had Pets Best for our previous dog and loved it. We rescued a new dog and I her signed up a few days before we got her, knowing we'd take her to the vet for a check up as soon as she arrived. I did not realize there was a 14 day waiting period for all claims ( must have missed that somewhere). It would have been cheaper to sign her up the month before she got here then to have all the claims denied for her 1st visit, since she did end up having worms and needed bloodwork. Hopefully going forward they will start covering things, as they did with our past dog, now that the waiting period was over.

I bought my policy when my dog was a new puppy and the company was called Petplan. The initial monthly premium was reasonable and affordable. I am glad that I had insurance because my dog ended up having significant problems with skin allergies and his liver. Accordingly, my premiums have increased (currently $177 per month). Last week, I was notified that the monthly premium will be $324 (almost $4000 per year) to insure my dog for no more than $15,000 per year (70% reimbursement, $500 deductible). How am I supposed to afford the medical bills when the insurance costs $4000? It was time to look for a different solution. Changing insurance companies means that I cannot get reimbursed for pre-existing problems, but we have the allergies and liver under control. I want coverage for things like major accidents and perhaps cancer, now that my dog is over 6 years old. I did quite a bit of reading and found companies that will provide unlimited coverage for him ($1000 deductible, 70% reimbursement) for $80 monthly. It is time to say goodbye to Fetch. My interactions with the company have been good and bad. The direction the company is taking is one that does not interest me. I don't need a pharmacy, training, treats, etc. I need coverage for my dog in the event of a disaster (hit by a car, cancer). Fetch does not seem to write policies with unlimited coverage. Quite a few other companies do. Consider whether you want to pay for all these things that are not insurance or whether you want someone to back you when the unthinkable happens--and to back you with unlimited coverage that does not demand an astronomic premium.

fetch has to have some of the worst customer service out of any company i’ve ever used. i’ve been using them for over 3 years now and everytime there’s a question or anything it is the worst customer service experience.

Poor communication with customer. It's been almost 3 months of waiting to be approved for pet insurance.

If I could leave 0/5 stars I would. Nationwide will find anyway to NOT cover whatever expense for your pet unless you started pet insurance as soon as you got your pet and your pet doesn't have any vet visits outside of wellness visits. Took my dog to MedVet and spent $1985, not a single dollar was covered!!

Waste of money. They only offer coverage on emergency care and do not cover any preventative care.