Positive: very prompt in payment, paid exactly what they said was covered. Negative: impossible to cancel policy through app. Contacted by email and did not receive response until days after my email. Called a few days before new month was to be billed asking to cancel effective immediately, they drag their feet so that they can charge one more month premium. Weighing the cost against benefits, I felt pet insurance benefits were not worth the premiums. Better to save the money for vet bills yourself.

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.

Don't bother with this insurance. I have a 3 year old dog that we adopted. The poor thing has had one problem after another. I have sent claims to Fetch months ago and still have not been paid. I called yesterday and had an automated answer that said the claims where closed. I called my husband who received the same message but no answer to when we would be reimbursed. When I called today (the day after my call) the woman said they where waiting for more information. I sent it to them over a month ago! She said my claim was still opened. Does anyone know what's going on over there? I just received another bill from the Vet for over 900 dollars. She needs an operation for 8000 dollars. I'm sorry to say the poor girl at Fetch got an ear full from me. If we do not receive a check in the next two weeks I'm canceling this policy.

I had a great experience w/ Healthy Paws and luckily I only had to file 1 claim and they paid it quickly. I got an email from them informing me of their absurd premium increase, more than double, which is absolutely insane. I saw there's a lawsuit against for the same reason. This is from them-" Current Monthly Premium: $68.00 • New Monthly Premium Starting in 63 Days: $155.25." I cancelled my policy and will be getting a more affordable plan elsewhere.

Raised our insurance rates 20-30% every year, even though we never submitted any claims. Our dog is still young and healthy. I can only imagine what Trupanion would have charged by the time he was older and needed care. I switched to Lemonade, which was less than half the price.

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This company is a SCAM! They denied my claim for my dog's hospital visit without explanation. Please don't fall for this fraudulent company.

I don’t think they pay for anything and thus far I am sorry I changed pet insurance companies. All of my cats are rescues and don’t have records since the beginning of time and they keep asking for more. Our vet sent them complete access to his full file and it’s still not enough. They are saying my cats have pre-existing conditions that they do not have and were never treated for. Very very disappointed.

This company penalizes loyal customers. Do not insure with them. After 10 years with them they jacked up my rates from 100 a month to over 200 a month because I have been with the company for this long. Not a trustworthy business.