Wellness reward program is so costly and a scam for anyone who isn’t shopping around for a better plan. Maxed out “benefits” within 6 months. Turns out our offers an unlimited rewards program for only $7 more. Make sure to shop around.

these are scammers! I applied for compensation twice. and twice I learned about new non-coverages of this insurance. although they promise to cover exams and tests

My dog Poncho passed away last week. I want to be up front and let everyone know I am not writing this based on grief or emotion. Poncho had fetch pet insurance for 10 years give or take a year@ $55 per month. I took him to the emergency vet two days before he passed and was billed $755 - my deductible from fetch was $500 with a 70 % copay. I filed a claim and was rewarded $21. I don’t understand how I paid $55 a month for ten years which is over $6000 in total and fetch calculated my copy first before my deductible. WORDS OF ADVISE- read the fine print- pet insurance is not worth it. In respond to fetch- why is the copay administered before the deductible? Also, I was informed that I have an automatic $500 deductible every time my policy renewed? Like I said above- fetch pet insurance is a waste of money. You’re better off getting an interest free credit card. Hindsight is 20/20- I trusted fetch to aid in my payments. I feel I have been penalized because my dog wasn’t sick multiple times in one year or sick for a long period of time. I understand the point of insurance but charging a copay first before taking out the deductible does not benefit the consumer at all.

On November 1st, I took my cat to Urgent Care and I had inquired about Spot insurance that day. I was informed there would be a $500 deductible and it was $50 a month, so I agreed. For the next month and a half, I was taking my cat to the vet and was communication with Spot. They told me to submit the claims and that I should be expecting payment reimbursements soon. My cat unfortunately had to be put down, and I had to close out with Spot, and they reassured me that I can continue to submit the claims for reimbursement. A month goes by and I receive nothing, so I called them. They then told me that because my cat was taken to the hospital for coughing before I signed up with Spot that they would not cover anything. First off, I signed up the day of, not after.. second, I was not made aware of that policy and had I known, I would have been much more diligent in where I would have taken him. So instead of them doing their job, they did not communicate that part of the policy to me, took my money and I ended up with nothing.

Payments delayed Excessively high fees Impersonal service (upon death of pet) Submission process online is cumbersome

Typical Insurance Company. They will find anything to deny claims submitted

Applying was easy, you were very quick to process my payment, and I got this survey. However, what I haven't received is my policy or even confirmation that I my plan will take effect. Not a great way to start our relationship.

Staff on the phone are nice but filing a claim and working with them about it is very stressful, not very helpful. I’ve submitted several supporting documents and it still says pending when they should have the documents already.

Classic insurance company Deductible expensive enough to disinsentive you from using insurance unless major claims. Won't cover existing medical conditions but will charge you the same as some one covered for everything. My personal story is my daschound had a back surgery before policy, another one 3 years into the policy which I knew wasn't covered and paid out of pocket, sadly back went out again a couple years later. We decided it wouldn't be fair to put him through another at his age. The first claim I made in 6 years of having a policy was for euthanasia which should be covered.. ...but guess what nope not even that would be approved because of the reason having to do with a back injury. 6 years with only increasing premiums just to get denied for that. Never deal with them again

Waiting period wasn’t clear. Claim was denied because the visit was the same day. I feel you prey on people in emotional times doing whatever they can to help their animals in a crisis situation.