As the most complete pet insurance provider in the United States and Canada, Fetch helps pet parents prepare for the unexpected. From everyday illnesses to sudden emergencies, Fetch covers up to 90% of unexpected vet bills, including treatment for every adult tooth and the cost of emergency exams.With the Fetch Pet Insurance App, caring for your pet just got easier. Available to download on the Google Play Store and Apple’s App Store, pet parents can use the app to quickly submit and track claims, manage billing and access 24/7 customer support. The app also connects members to our online pharmacy, Fetch Pet Rx, where qualifying prescriptions are eligible for 100% reimbursement.The Fetch Veterinary Advisory Board, a team of trusted veterinarians and industry experts, helps ensure that our products and partnerships meet the highest standards in pet health and wellness. Members also get access to Fetch Health Perks, a curated marketplace offering more than $1,500 in discounts from brands that share our commitment to pets and their people.At Fetch, compassion goes beyond coverage. We’ve given millions to no-kill shelters across North America and teamed up with Project Street Vet to provide free veterinary care for the pets of people experiencing homelessness. Our 300+ team members (most proud pet parents themselves) share one goal: helping every pet live a longer, healthier life.
Written by the business, not verified by us.Fetch Pet Insurance (fetchpet.com) has a 4.6 out of 5 rating on OK.one, based on 170 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 9% are 1 star; The business has replied to 56% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-25.
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the support team for being exceptionally helpful, patient, and knowledgeable when answering questions about coverage options. People also love how smooth the onboarding process is and how easy it is to submit claims for fast reimbursements. Some reviewers were not happy with significant premium increases over time as their pets aged. However, some people mentioned facing unexpected claim denials or extremely long processing times when trying to get reimbursed for veterinary expenses. These occasional challenges show that while most users enjoy smooth service, billing and claim hurdles do happen.
Auto-generated from all reviews of this business. For reference only.We were always kept up to date on our claim. It was very easy to submit our claim. It was done in a timely matter and fetch insurance was great getting us reimbursed for our little guy. We would highly recommend Fetch! They are a trustworthy ins company, if you are looking into pet insurance. Thank you Fetch!
Thank you for the recommendation, Laura! 🐾
Customer service nice and payment deposited into my banking account within a week
Glad to hear it, Jerilynn! Thank you. 🐾
Thank you, Michael!
Almost forgot to submit the claims for our kiddos! After submitting them they went through real quick and was deposited into my bank within a week.
Thank you! 🐾
Thank you for your speediness in processing Emma's claim.
Glad we could come through. Thank you, Susan! 🐾
My claim was taken care of quickly and efficiently. I was super impressed at the turnaround and the reimbursement percentage. Thanks for relieving a lot of stress when the sickness of a pet is stressful enough.
That's exactly what we're here for. Thank you for sharing! 🐾
The process is very easy and your company seems very fair
Glad to hear it! Thank you, Theresa. 🐾
Thank you, Erez! 🐾
I was with Fetch for a year, and after just one year, they increased my premium by 44% for no clear reason. I didn’t even have a single claim during that time. The only explanation they gave me was that my dog is getting older and that the new rate had been approved by the province. I paid premiums for an entire year, and now it feels like that money was completely wasted. A 44% increase after one claim-free year is extremely disappointing and unreasonable.
Hi Sahar, we understand why that feels frustrating. Premiums can adjust at renewal based on factors like your pet's age and regional veterinary costs, and we want to make sure you have full visibility into what drove the change. Please give us a call at 866.509.0163 with your policy details and our team will be happy to walk through it with you in detail. 🐾
There is a reason this pet insurance company is cheap… Unfortunately I had a terrible experience with this company refusing to cover my dog for a “pre-existing” condition when in fact it was not. My dog passed all pre-existing checks and had been covered by Fetch for many years until my claim. I am a qualified veterinary nurse and will never recommend this company to anyone. It goes to show that you should research your insurance company in great detail before signing up. Fetch strategically delete honest negative reviews from Google & social media ads. They have no contact number, instead the initial contact is via an AI chat bot or email where you are sat waiting for a reply. Terrible company who I am greatly disappointed in.
Hi Kat, thank you for sharing your feedback. We're sorry to hear about your experience; as a veterinary professional, we know how much you care about providing the best care for your dog. We would love the opportunity to review your claim details with you directly. While we do cover new illnesses and injuries, if a claim corresponds to a pet's very first veterinary visit with no prior medical records available, that visit serves as the policy’s baseline exam. Any conditions noted during or prior to that baseline exam are considered pre-existing under standard policy terms. We also want to reassure you that we take feedback seriously and do not delete or alter public reviews—we value transparency and keep all reviews, both good and bad, visible online. While our AI assistant helps route incoming inquiries, our phone support team is always available to speak with you directly. Please give us a call at 866.467.9875 (Option 5), and an agent will be glad to go over your claim with you and address any questions you have.
Thank you, Scott! 🐾
it was very easy to submit documents and i had my money owed back in a very short amount of time- which allowed me to pay that off the credit card..
That's the turnaround we're going for. Thank you! 🐾
We're glad to hear that. Thank you, Allen! 🐾
The policy we purchased sounded great and we did a ton of research prior so we were happy to get this insurance initially…however, do not trust the policies! They find every reason not to pay you. You could call multiple times and speak to different people and managers and they all back each other. They do not care about the customer, just the money in their pockets. I had dental insurance and went and got my dogs teeth cleaned which I was then told he needed extractions when I submitted that to this insurance. They told me it was denied as it was during the waiting period of our policy. This was not a new policy. It was the second year I had this policy but apparently every year there’s a waiting period. Though I understood that, they tried to say his dental issue was pre-existing because his primary vet on an exam noted on an exam he had months ago what was explained to me as level 1 tarter. She said that meant he just needed his teeth brushed as he was a young dog I had found on the street and wasn’t cared for months. I tried to explain this to the insurance company and my veterinarian also wrote a letter. I went through their secondary review process, and it was again denied. I then emailed them to request a refund on the remainder of my policy term, which was another 6 months. I never heard back. Then I called and was told that they do not accept cancellations via email only over the phone so I would not be receiving anything from them. I’ve been told my whole life to make sure to put things in writing so people can’t deny it. I still have this email. I did everything right it was still told no I don’t understand how they can do this when I have proof. Terrible company. Do not get this insurance.
Happy to hear it, Jim! 🐾
Difficult to understand how my reimbursement was calculated.
Hi Donna, we're happy to walk you through exactly how your reimbursement was calculated. Give us a call at 866.509.0163 with your claim details and our team can break it all down for you. 🐾
Claim submission is easy and smooth and they communicate by text and email. Fetch Pet is the best!
Thank you, Kelli! 🐾
Thank you! 🐾
Amanda was a pleasure to work with. She answered all of my questions and made me feel comfortable moving forward with Fetch Insurance for my dog. Thank you for having such excellent person representing your company. Ellen Tabak
That's exactly the kind of experience we want every new member to have. Thank you, Ellen! 🐾
Effortless claim submissions, timely updates and payouts.
Thank you! 🐾
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