I would not recommend. Claims were denied on my senior dog when he started having liver issues because when he was a puppy he had a high liver enzyme reading after surgery. They claimed pre-existing condition. My other two dogs were still insured with them when they started not paying claims because I started using Pet Desk points and paid ahead on my account. When I used my credit balance they claimed I was getting discounted services. The line items on the invoice were not discounted, I was just trying to use my credit balance. That was when I did the math to see if I was really saving anything over a three year period. I was shocked to see that I was paying hundreds of dollars more by having the insurance. I no longer have the insurance and just set aside the money each month into a fund and I'm saving a lot of money.

I completed the tasks AGAIN, and the pop up won't go away. I am unable to see all of the links on the page.

It’s a pain to file a claim…. It’s hard to get a hold of the vet for pet records..

I am incredibly frustrated and disappointed with my Fetch experience. I am a veterinary student and have worked in the field for years. I finally decided to get pet insurance 5 months ago, and after deliberations I selected Fetch. However, I regret this decision because I have had the hardest time even getting claims reviewed. My cat has been very sick and had multiple ER visits the past two months. However, they will close my claim or deny my claim stating that they do not have the medical documentation. With his full medical history, I submitted bloodwork that I had performed because I had gotten it free, and they did not see a veterinarian. Somehow customer service cannot understand that there are no SOAP notes associated with the visit, despite speaking with customer service multiple times on the phone and emailing customer service. They also do not respond to their email despite stating they will reply within 5-7 business days. The employees tell me that they are making a note, but then nothing ever changes and my claim still gets closed and/or denied. I will not be able to recommend Fetch to clients in the future given that I cannot get them to properly review a claim of mine that should be approved given the plan I am actively paying for.

Fetch is THE WORST. I called to cancel my policy because I wasn’t able to use it for a costly emergency and the customer service provider convinced me to keep it, I filed 3 claims all of which were for BASIC things that were supposedly covered under my policy. Each time they asked for more information for the things I was claiming, I provided them and was denied everytime. I more than met my deductible and ended up having to pay out of pocket for everything my dog was seen for. Each time they gave me some BS reason as to why I couldn’t be reimbursed. Do not use them, this is totally a scam!!!!

The customer service team members are amazing and super friendly and helpful. The one star is because of how appallingly Fetch have tried to automate the process of getting in touch for help. The bot on the site is incredibly frustrating as it offers you a few options but never the one you want and no option to chat to a human. Calling on the phone is also frustrating as it doesn't have all the options, it puts you through to automated systems with no option to try and talk to a human. It also put the phone down on me twice. One time I pressed an option and it took me to a post-call survey even though I hadn't spoken to anyone yet. Then to resolve my issue I needed to email and the auto-response gave instructions for claims, which is not what I am trying to do and when I reply to try and rectify I realise I am emailing the Fetch Bot.

I submitted a claim on 1-9-25 for our dog who had broken a toenail bad enough to have the vet cut it all the way back. Since that time AKC pet insurance has repeatedly declined to pay our claim saying the invoice was created using Aspose software that can be altered. Which is entirely incorrect. Our Vet does not use this software. Our vet has sent in an invoice, I have forwarded an invoice from our vet by email & so far nothing. These claims people need to learn to pick up the phone to contact a vendor if there is a question.

This company is a fraud. After submitting all medical documents, I received a confirmation email that my cat was covered. Then they denied my claim because they said the documents I originally uploaded weren't valid. I spoke with several customer service agents, none seemed like they knew what they were doing as I received different information from each one, and one agent told me they don't look at medical documents until a claim is filed; so they falsely told me that my cat was covered when I originally signed up. Absolutely disgusting business practice. Don't use them. They'll steal your money and you'll still end up with a vet bill.

If I could give them a zero I would. I have the policy for just two months. I am absolutely furious. My dog had a medical emergency the day before Christmas, and I submitted my claims along with her vet records, expecting a timely response. Instead, I waited. And waited. I called three times, only to be told each time that my claim was "processing." Then, Pumpkin Insurance canceled my policy.

Absolutely a rip off. They take your money and then deny all claims. And deny all appeals too.