Fetch Pet Insurance delivers strong customer service and claims processing but faces serious concerns about premium increases tied to claim usage and claim denials on pre-existing condition grounds, creating a stark divide between satisfied and betrayed customers.
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I wouldn't even give this 1. I am absolutely appalled by this company’s predatory pricing and complete lack of empathy. My dog's premium just increased by almost $3,000, which is a staggering, unjustifiable jump. This is the second time they have done this to me. I already had to cancel the policy for my first pet because of their massive rate increases, and now I am being forced to cancel my second dog’s policy for the exact same reason. This pet insurance is absolute trash, and all they care about is money. When I called customer service to figure out how a $3,000 jump was even possible, the representative essentially admitted to a punishment system. I was told the increase was because my dog had been to the vet frequently, and they needed to raise the rates on their end to cover "future increases." Isn't the entire point of paying for pet insurance to have a safety net when your pet actually needs medical care? They are happy to take your monthly premiums when your pet is healthy, but the moment you actually utilize the policy you’ve been paying for, they will price you out of your plan to protect their own bottom line. I would never recommend this company to anyone. In fact, I would recommend literally any other provider besides them. Save your money, protect your pets, and avoid this company at all costs. Hopefully, warning others about how they treat repeat customers will make people think twice before signing up with them!
I had two pets insured with Fetch for over 5 years. They are very good at taking payment every quarter, but that's where it ends when it comes to their capabilities. One of my pets, the cat, unfortunately passed away in the summer of 2025 from old age. He was insured with Fetch for about 4 years at that point, never filed a claim. Upon his passing, I informed Fetch and the following month, the cat was removed from my Dashboard, hence I assumed they successfully cancelled the insurance. In the spring of 2026, I reviewed my credit card statements and low and behold, I see that Fetch kept charging me the premium for the cat for two more quarters. When I called, they claimed they never knew about the passing of the cat. Why then was the cat removed from my Dashboard the month following his passing, I wonder? The dog has been insured with Fetch since he was a puppy. Every year, he went to his annual vet check-ups. Fetch knows every vet he's ever been to. We never had to file a claim for him as he's been healthy this entire time. At age 5, he developed an issue, appears to be harmless luckily and we caught it early enough for him to fully recover but it did create the first claim we had to file. It wasn't much, a few hundred dollars but hey, that's what we have this insurance for after all. Guess what, they denied the claim due to "incomplete health records". They want me to go to every vet and ask for the detailed health records. Again, the dog was insured literally from since he was 8 weeks old, never had to file a claim, and Fetch is aware of every single vet he has ever been to. What do I pay Fetch for if they make me do all the work? I am now in the process of filing a complaint with the Texas Department of Insurance and considering legal action - not for the money but out of principle. They collect premiums but don't want to hold up their end of the deal and someone needs to put a stop to that. If you are in a similar situation and can't find a solution with Fetch, look up your state's Department of Insurance and make sure to file a claim - that's the only way to stop such behavior.
Based on 20 verified customer reviews, Fetch Pet Insurance holds an average rating of 4.5 out of 5 — rated Excellent on ReviewTerminal. 90% of customers gave 4 or 5 stars.