Unfortunately I had a claim that should have been approved but it was denied. Paid a lot into my insurance only for when I needed them they didn't come through. I provided what i could from the vet but it just wasn't enough. The vets never lose though and get there big pay day Everytime. Better off not having pets.

After a year my dog had an accident and we went to the ER. This is the first time I learned that I have a 10% copay on all claims and also that no exams are covered. Both in the intro video and online materials these 2 points were not made clear. In addition, before I signed up, I talked to a representative and asked about hidden costs. I knew that there would be no coverage for wellness exams or vaccines. I am fine with that. I was not told about either of these 2 loopholes before I purchased the insurance. When I called, the representative was very nice but told me that it was all in my contract. The one that is 20 pages long and unreadable by anyone other than a lawyer. Forgive my cynicism. This feels a little underhanded. It should be laid out up front and easily accessible to any consumer trying to do due diligence. I had to pay out hundreds more than I expected for this visit. Disappointed.

I have had coverage with them since my dog was 2 months old. Fast forward 8 years I finally submitted a claim. When I got my renewal amount it literally tripled in cost! I paid them 8 years for nothing and this is how they treat their loyal customers. I canceled my plan. I can put that money in a savings account in case something happens.

I had accidental and wellness. They owed me 250$ back for the wellness for the year and she had a lameness issue. I got nothing !! They told me they didn’t have enough information from the vet . They send over novels of her problems and still nothing !! I canceled it ! I wouldn’t have even gave them one star but had to to write this review!!

Terrible coverage. The amount paid monthly and my pup had a procedure and they did not cover evaluations. I have healthypaws for my other pup and they are GREAT! Also when I called they had the incorrect(which I requested an update 6 years ago) breed once they corrected my premium went down.

We chose Fetch because it promised peace of mind. For years, we paid our premiums without issue. But after our dog was diagnosed with a chronic condition and we submitted a large claim, our coverage was downgraded at renewal—with no option to keep the plan we originally signed up for, even if we were willing to pay more. Now we’re left trying to afford ongoing medical care for a condition we assumed would be covered for the life of our pet. We can’t switch insurers because of pre-existing condition exclusions, so we’re essentially trapped with reduced coverage and rising costs. Fetch may offer decent coverage when your pet is healthy—but if your dog actually needs long-term care, don’t assume your plan will stay the same. I would advise anyone considering them to read the fine print carefully and ask specific questions about how renewal decisions are made.

They deny most claims. We really need ObamaCare for Pets.

Update: Thank you for responding, Fetch. I’ve followed up via email, as I’m documenting this issue for a formal complaint. I’ve also submitted a PIPEDA request to better understand how this decision was made. I’ll continue to update this review based on how the situation unfolds. At the time of this update, I have not been offered any option to restore my original coverage—even with increased premiums. I’m hoping for transparency and a fair resolution, especially as a long-standing customer managing a chronic illness. Original post: I’ve been a Fetch customer for several years. Our dog was recently diagnosed with a chronic condition, and shortly after filing a claim, I was informed that our reimbursement rate would be reduced from 80% to 60% at renewal. I was not given the option to maintain or upgrade the coverage—even at a higher premium. This feels particularly unfair, especially as we now depend more than ever on consistent reimbursement for ongoing treatment. It also appears that this downgrade was triggered by higher claim use, which raises serious concerns about how long-term customers are treated once their pets become expensive to insure. I’ve submitted a formal complaint to Fetch and am currently gathering stories from other policyholders to determine whether this is an isolated experience or part of a broader pattern. I hope to see better transparency and support from Fetch moving forward.

$130 a month to deny every claim citing an unrelated condition. And not honoring their “preexisting condition” policy, claiming that schistosomiasis is not a curable disease despite being provided peer reviewed research and letters from veterinarians explaining that this is incorrect.

Worst insurance company. Do not hire this company. They will not approve any of your claims although perfectly legitimate and inline with supposed coverage. Spent an hour on the phone with customer service and they stated that my dog was completely covered for a dental cleaning only to get completely denied. Very unprofessional. Do not recommend. No one was willing to be helpful. Claimed to reach out to Vet office which was false. When proper documentation was provided, I was denied. I’m absolutely disappointed as I’m out of $1000.