My total bill for Ashley’s Vet Visit was 984.47 - I paid 500.00 deductible leaving 484.47 and I was reimbursed 82.85. Now this just doesn’t sit well with me. I was under the impression 90% reimbursement means I should receive 436.02. Was shocked when was told that they only pay what they feel is the appropriate charge for services provided. So think twice about using this insurance. I know I’m looking elsewhere.

Spot deserves 0 stars. My dog needed to be seen for a new heart murmur. I went through the work to find available coupons and discounts for the work that had to be done and ended up saving $211 on the bill. Spot thought I went through the work to benefit them and took the $211 directly off of what they would reimburse me. I contacted them and tried to explain my reasoning with no resolve. Don't get trapped with the Spot, they are just another SLIMY insurance company who will screw customers over just to save a dime. Their customer service sucks and I 1000% would NOT recommend doing business with Spot to cover your furry friends! DO NOT get pulled into their catchy phrases claiming #1 pet insurance, In fact, they are #1 WORST pet insurance!!! There is a reason there are no Google reviews. What a shame, be better Spot.

If I could give them a zero I would. This is so unfortunate. We have been HP customers since 2014. We just got notice that our premiums are going up $300 a month. I want to be clear that this post isn’t because the premium increases, it’s that fact that it increased without reason by 300 a month! When I inquired I got numerous different stories reasons why (we have not had any claims in 5 years and zero with two of the dogs). When I inquired further the excuses just continued. We will be leaving and it’s sad. We were very loyal

Our family cat had a medical emergency and was vomiting blood and we had her covered by ASPCA. The vets were telling us it was medically necessary to keep her overnight and xray her. After providing all requested medical records which proved no prior medical issues, they flat out denied. UNBELIEVABLE! Warning do not spend you money with ASPCA or Fireman's Insurance. We need a class action against them for denying legitimate claims. I am honest and this was a medical emergency, my wife as a RN and I have EMT training a vet at 1AM saying it's an issue and them denied says enough. I'll take my pets and $1300 year premiums elsewhere.

I just read another negative review and am glad there are people who speak the truth. I’ve been quite disappointed with Fetch Pet Insurance. Whenever you reach out with concerns, the response is always the same: “We understand your frustration, but it’s in our terms and conditions.” They offer to help, but in reality, it feels like they don’t really care. After someone posted a negative review, I again noticed an influx of positive reviews right away from users claiming to be extremely satisfied, which feels suspicious given my experience and experience of others.

I had a rare positive experience with the former company that became Fetch, Pet Plan, and I had recommended them many times over the 12 years I had my policy; however when my premium (understandably) went up as my cat is older, I did the calculations and determined there was little financial benefit to maintaining the policy, so I called to cancel. I was given a whole pitch about all the ways my cat could get sick and need coverage- I patiently listened and explained my position, again, but when the agent repeated the whole script again, I told her I would check with my vet and see if her argument was worth considering, given his health. Talked to vet and I was correct, so I called a week later to cancel, and explained my entire position again- that I was calling back the second time after considering not canceling, but very firmly requested to cancel my policy. The agent then took several minutes reading the notes from the previous week and his claim history, and then pursued to launch into the exact same script again, and then one more time after I interrupted her that she was repeating a message a had heard now 3.5 times before. It felt manipulative and scammy, disrespectful of my very clear request, and wasted my time on what should have been a simple call, but ended up being over 10 minutes. I will not ever recommend them again.

These reviews have got to be fake or bots, please go look at their reviews on Yelp and filter to “most critical” on the app store to read real reviews of people experiencing how terrible Fetch Pet insurance is.

Wish I had looked into reviews for Pawp before I started paying for their emergency service. Their customer service is CRAP. You can't get a hold of a live person, and the "chat" is ridiculously slow to respond, if they ever do. They refused my claim for "missing documentation" but they didn't tell me WHAT was missing. So I'm in the chat right now, and "Tess" told me they'll submit my case to another department, which will get back to me in 4 business days--by then, my claim will have been rejected! I want my money refunded IMMEDIATELY.

Fetch always claim pre-existing or known issue. It's like going on holiday and your child breaks his arm and you get a hefty bill as you have no insurance. You pay it and your child gets better and all is good. You go on holiday again and this time you get insurance and this time your child breaks his foot, but the insurance company don't pay out as they now know the child has "bones". Two different things but treatment and recovery are the same.

If you love your PET be careful with Odie Pet Insurance. They don't accept any claims. Only they will accept claim if you have deductible and that much you will recieve from them. They will use deductible. Stay away from them. What they promise is not true!!!! This is the worse pet insurance.