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 would have given 5 stars but I cancelled my policy because the premium increases by at least 50% each year and after canceling, I was still charged. They acknowledged the error but it will take up to 10 business days to get my money back after they took the money without cause or permission.

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.

Hard to work with, claims keep getting denied for silly reasons.

I've used and appreciated Healthy Paws for my (now senior) dog (aged 12) since 2016. Every year they've had to increase rates slightly; I understand, the cost of care increases, etc. Today I got an email they're increasing my monthly cost from $90.63 to $249.87 - a 2.75x increase. While previously they've offered to adjust your annual deductible or reimbursement percentage to help you find a monthly cost that works for you, they've throttled the options available so the lowest this can get is $201/month. An absolute RACKET. Everyone would be better off putting $90 (or whatever you can afford) into a high yield savings account every month.

$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.

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.

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.

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