Efficiency
Reply from Fetch Pet Insurance2026-08-03
Thank you, Steve!
About Fetch Pet Insurance
Data updated- Website
- fetchpet.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 170 reviews
- Replies to negative
- 56% (9/16)
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About this business
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.Is Fetch Pet Insurance legit?
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.
What reviewers say
AI generatedReviewers 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.What people say
Filing the claim was easy and getting…
Filing the claim was easy and getting reimbursed was so quick it was perfect! Just wish it was easier to get in contact with an actual person for the questions I had but overall 5 star experience for the ease of use of the app and quick reimbursement process
Reply from Fetch Pet Insurance2026-07-30
So glad the app and reimbursement process delivered. That feedback is helpful and we'll make sure it reaches the right team. Thank you, Alexandria! 🐾
So far very happy
I have not actually had to submit a claim to Fetch yet so unsure how that will work. But, my representative, Megan, was amazing and spent the time to go through all my options with no pressure twice. I think pet insurance depends a lot on your breed of pet, but I needed unlimited yearly benefits for my Cavalier and even though I probably won't use much for awhile, I am happy to have it through Fetch. Their pricing was comparable to others with less yearly mazimumes.
Reply from Fetch Pet Insurance2026-07-29
We're so glad you found the right fit for your pup. Here's to many healthy years ahead! 🐾
Insurance Becomes Unaffordable When You Need It Most
I have been a loyal customer for 12 years, paying my premiums every year without interruption. Now that my dog is a senior and needs insurance the most, the premium has become so high that keeping the policy is no longer affordable. Charging over $5,000 a year for a 12-year-old dog, while still limiting annual coverage to $10,000 and requiring a deductible and co-pay, feels unreasonable. Long-term customers should not be priced out of the coverage they've faithfully paid for over many years. I expected loyalty to matter. Instead, I feel penalized for having kept my pet insured for so long. This has been a very disappointing experience.
Reply from Fetch Pet Insurance2026-07-29
Hi Irina, thank you for taking the time to share your feedback, and above all, thank you for being a loyal part of the Fetch family for the past 12 years. We understand your frustration and disappointment regarding the cost of your senior dog’s premium. We know how vital insurance is in a pet's golden years, and it is never our goal to make coverage feel out of reach. When policies come up for annual renewal, premiums are calculated using key factors including your pet’s age, breed, local veterinary costs, and claim history. As pets reach their senior years, the frequency and cost of medical care naturally increase, which leads to higher renewal rates across the board. If you are open to exploring ways to help lower your premium, please give our team a call directly at 866.467.3875 (option 5)—we would be glad to help explore more affordable options with you.
Shady
I’ve had my English bulldog covered by fetch since he was 8 weeks old and Fetch always came through until he aged and developed all the things that bulldogs typically experience which is why I got insurance when he was a puppy. However, once we were placing claims monthly upon renewal the price TRIPLED right when we needed it most. After paying premiums and NOT using the insurance regularly for 8 years NOW they want to triple the cost knowing that another company won’t cover him reasonably priced due to preexisting conditions. Better off putting monthly stipends away for rainy days!
Reply from Fetch Pet Insurance2026-07-29
Hi Lisa, tank you for sharing your experience with us, and for trusting Fetch with your English bulldog’s care over the past eight years. We appreciate the time you spent with us, and we completely understand your frustration regarding premium increases—especially during your pup's senior years when care becomes most vital. When policies come up for annual renewal, rates are calculated using key factors such as your pet's age, breed, and overall claim history. The years of minimal claims were reflected in your lower baseline rates during his younger years. However, as pets age and health needs naturally increase, rates are adjusted to keep up with the rising cost of veterinary care. We see that you’ve made the decision to cancel your coverage, and while were sad to part ways, we completely respect your choice. We wish you and your sweet bulldog all the very best, and if you ever need anything or have questions in the future, our team is always here for you at 866.467.3875.
Fetch's Puppy care…
If you think Fetch's Puppy care benefits will help you, forget it, Puppy Care benefits are the worst.
On 7/27/26 I called customer service…
On 7/27/26 I called customer service and spoke with Elizabeth about Gunther’s renewal for insurance. I was not happy abut the new renewal amount and Elizabeth assured me that we could work out something. We have been customers for over 16 years and have insured 4 of our fur babies with Fetch. True to Elizabeth’s word she did just that. It was a big relief knowing that we could stay with Fetch, a company we knew and trusted. Thank you so much Elizabeth. Lshipmon
Reply from Fetch Pet Insurance2026-07-29
We'll make sure Elizabeth sees this. Thank you, Lutetia! 🐾
I obtained insurance for my golden…
I obtained insurance for my golden today, the agent Fabrice was excellent. He explained everything in detail to me. Great job. 👏
Reply from Fetch Pet Insurance2026-07-28
Welcome to Fetch! 🐾
My policies increased by 57%
The customer rep was very helpful, knowledgeable and friendly. However, I am very unhappy with the fact that my premiums increased 57%. As a result I have had to reduce my coverage. If this happens again next year I will be changing my insurance company.
Reply from Fetch Pet Insurance2026-07-29
Thank you for the honest feedback, Roxy. We're glad the team could help find a rate that works for now. We hear you on the increase and hope the updated plan continues to deliver. 🐾
Company use AI to give customers false…
Company use AI to give customers false information and when confronted with evidence still will not honour the claim!
Reply from Fetch Pet Insurance2026-07-29
Hi Rebecca, thank you for sharing your feedback. We understand how frustrating claim issues can be, but we want to clarify that Fetch does not use AI to handle claims or communicate with customers. Every claim, email, billing update, and customer service call is reviewed and handled by real, human staff in our office. With our policies here at Fetch, all pets must have a baseline health exam on file, and that exam must be conducted by a licensed veterinarian in the US or Canada. Without an eligible baseline exam on record, certain claims unfortunately cannot be honored. We see that you have chosen to cancel your coverage, and while we are sad to part ways, we respect your decision and wish your fur babies all the absolute best in health and happiness. If you have any remaining questions, please feel free to reach out to our team anytime at 866.467.3875.
Very understanding
Reply from Fetch Pet Insurance2026-07-29
Thank you, Sharon! 🐾
Easy and quick.
Reply from Fetch Pet Insurance2026-07-29
Thank you, Theresa! 🐾
I had a wonderful customer service…
I had a wonderful customer service experience with Fetch Pet Insurance today, thanks to Nadine. I needed to enroll 13 dogs, and because of some system issues, each policy required careful individual attention and adjustment. Nadine was incredibly kind, patient, thoughtful, and professional throughout the entire process. She took the time to help me work through every issue one by one and made what could have been a very stressful process feel smooth and manageable. Thank you, Nadine, for your excellent service and genuine care. I really appreciate all your help.
Reply from Fetch Pet Insurance2026-07-28
That is extraordinary. We'll make sure she sees this, Peter. Thank you! 🐾
I’m new to pet insurance but overall it…
I’m new to pet insurance but overall it was a good experience
Reply from Fetch Pet Insurance2026-07-28
A good first experience is a great place to start — welcome to Fetch! Thank you, Jeffrey! 🐾
Nadine was extremely helpful with my…
Nadine was extremely helpful with my purchasing of pet insurance. Thank you Nadine!
Reply from Fetch Pet Insurance2026-07-28
Thank you, Matthew! 🐾
Absolutely horrible
Absolutely horrible. Insurance claims were a hassle and when I tried to cancel the insurance they had several loopholes. I have still not been able to cancel it. I have to go through my credit card company to stop this charge. It’s like a lifetime subscription that you just can’t get rid of. Beware!
Reply from Fetch Pet Insurance2026-07-27
Hi Sumesh, thank you for sharing your feedback with us. We're sorry for the hassle you experienced when filing claims and trying to cancel your policy. This is not the experience we want for our policyholders, and we would love the opportunity to make things right. If you have open or pending claims, our team would be glad to help you go over what’s needed so we can get those reviewed for you. For cancellations, we are legally required to confirm the request verbally, but it only takes one quick phone call and an agent can finalize it immediately for you. Please give us a call at 866.467.3875 (Option 5) so we can take care of this and get everything resolved for you today!
Affordable at first,unaffordable when in matters…
I insured my dog with Fetch in 2018 and stayed loyal for years. I barely made any claims. After my dog was diagnosed with heart murmur and tracheal collapse, my premium almost doubled. I accepted it because he's family. Now they've increased it again to $344/month. That's over $4,200/year for a policy with only $5,000 annual coverage, 80% reimbursement, and a $500 deductible. I contacted customer service hoping they could offer any solution, but they couldn't help at all. Pet insurance should be there when your pet gets sick—not become so expensive that you can no longer afford it. If you're considering Fetch, think about what could happen once your pet develops a chronic condition.
Reply from Fetch Pet Insurance2026-08-05
Hi Sarah, thank you for sharing your experience. We want to thank you for your loyalty all these years. We understand your frustration and concerns regarding the math between your annual cost and your coverage limit. We never penalize individual pets for their health. At every renewal rates are calculated based on a pet's age & breed, claim history, and the overall rising costs of veterinary care in your specific area. However, we know that explanation doesn't make the financial burden any easier as your dog reaches his senior years. We value your years with us and want to see if we can find a solution that fits your budget better. Please call our team at 866.467.3875 (option 5) so an agent can review your account and see if modifying your policy parameters (like your deductible or reimbursement tier) can provide a more affordable monthly rate.
Excellent pet insurance I would…
Excellent pet insurance I would recommend you to all my friends
Reply from Fetch Pet Insurance2026-07-27
Thank you for the recommendation, Linda! 🐾
Everything was great
Everything was great. Reimbursement was given and n a reasonable amount of time.
Reply from Fetch Pet Insurance2026-07-28
Thank you, Trudy! 🐾
Lightning fast claim approval
Reply from Fetch Pet Insurance2026-07-28
Thank you, John! 🐾
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