The staff are friendly however when trying to find out why a claim has still not been done after 10 days, this is unacceptable

This will not be your average review. It is from the point of view of a customer that decided not to use Fetch. The reason for that decision was based on several factors. Number one was the incessant flood of emails that I received after adopting two kittens from an animal shelter, over two dozen emails so far. The second was the manipulative nature of the emails, with questions like "Do you consider pets to be part of the family?". The third is that after reading their policies and researching average pet owner veterinary expenses in the USA, it became obvious how they were making their money. The fourth was the reports of Fetch's escalation of premiums over time verses the actual rise in veterinary expenses nationwide and reports of increased premiums once claims were made. So bottom line....Thanks, but no thanks.

So far it's been 12 days and I still haven't had my claim resolved. I'm pretty sure I sent all you needed and probably more. I had another claim the following week.

I submitted a claim in 2024 for my pet’s allergies. I then submitted a claim in 2025 for a visit to the vet for an ear issue. At the same visit, we asked for a new prescription for his allergies. The claim was denied because they state that the ear issues related to his allergies, which is false. I will be dropping the insurance since I’m paying a lot of money every year for claims to be denied.

I have submitted several claims for my dog now and it always seems to be something as to why they won't cover it. The first one was super frustrating because they said it was a preexisting condition despite my vet literally submitting a document that clarified the actual symptom start date within the coverage period and they still won't cover it. Then the next claim they are saying they won't cover because the Dr isn't on some recommended list that isn't mentioned anywhere in any of the coverage docs... I'm more than a little frustrated and definitely am feeling like the monthly premium I pay for his coverage is a money grab and a waste of my money! I also have my horses covered, and just submitted my first claim for one of them, and they are trying to deny coverage because there isn't enough medical history... uh ya they weren't sick or injured so they didn't go to the vet for anything but routine shots... so how could there be medical history other than that? Ridiculous.

I cannot even get into my account. It says I have to register and so I try to register. Then it tells me I’m already registered and to sign in so I sign in. Well none of my passwords are working so I clicked forget password. Then it tells me I’m not registered. It’s a pain.

Over 20% policy renewal increases are WAY TOO HIGH. Ridiculous. There should be minimal increases each annual policy renewal. Shame on you. I was not allowed to speak to a supervisor. I was not given an explanation for the extremely high increase. I am unemployed and have an expensive dog. Please help!

My pet had cataract eye surgery in which they paid based on my policy. The next year they raised my deductible and lowed my reimbursement rate, but didn’t change my annual coverage.( I was surprised they kept my annual coverage at the rate I had originally selected) All these changes were due to my pet eye surgery. He had cataracts in both eyes. It’s like they penalized me for his surgery. They informed me that I can never have a lower deductible or a higher reimbursement rate as long as I with their company. This year they are raising my quarterly rate from $56.92 to $72.99. I had No payouts this period, but my quarterly payment increased by $16.07. I was informed by a letter. I’m in the process of changing from this insurance company-FETCH. All I can say, Don’t have major surgery for your pet, YOU WILL definitely be penalize for this!!!!

Customer service is great, but sometimes claims can take weeks to process.

Too many things considered prexsisting conditions.