Great response from Fetch. Very high expense for my cat taken care off and reimbursement quickly provided. Grateful for this pet insurance! read more

Fetch Pet Insurance - My kitty after spinal tap, MRI and a number of trips to vets. - Pet Insurance Near Me - New York, New York

This is my first time having Fetch insurance for my Ozzy and I submitted a claim after his yearly vaccinations. Fetch paid back about 60%. My claim was reviewed quickly and I linked my account with my preferred payment method and got paid right away. So far so good! 10/10 recommend! read more

As this is my first time signing up for pet insurance I had questions about my claim. Nicole was very friendly & knowledgeable and answered my question. This experience has most definitely reassured my decision to sign up for insurance read more

I insured my Pomeranian, Chance, with Fetch for over a decade (since they were GoPetPlan), and after looking back at his policy and claims history, I can say that choosing Fetch was one of the best decisions I made for his care. There were many years where I had no claims, but as Chance got older, his medical needs became increasingly complex. He was treated by multiple specialists and required ongoing medications, diagnostic testing, emergency care, and some hospitalization. I was committed to getting whatever care he needed, and having Fetch alongside us through those years made a big difference. As his medical expenses grew, it was reassuring to know that the insurance I had maintained for him for so many years was there when we needed it most. Over the years, I submitted a significant amount in claims. Fetch always processed them quickly and fairly, and the process was straightforward and the explanation of benefits were easy to understand and verify (unlike human health insurance EOBs!). You have 90 days to submit claims so I never felt like I was rushing to meet that deadline right away and I could focus on Chance. We had to say goodbye to Chance in June at 13 years old. Even the final administrative process reinforced how positive my experience with Fetch always was. Their communication after learning of his passing was compassionate and thoughtful, his remaining claims were handled promptly, his policy was closed automatically, and the unused portion of his premiums was refunded without me having to chase it down. Losing Chance has been devastating and heartbreaking and I miss him every single day, but I'm so grateful for the role Fetch played in helping me care for him throughout his life. Insurance is something you buy hoping you won't need very much. We ultimately needed ours a lot towards the end, and Fetch was there when we did. Thank you for helping me take care of my little bear. I will always be grateful. read more

Fetch Pet Insurance - Chance, my sunshine bear - Pet Insurance Near Me - New York, New York

I insured my elderly Australian Shepherd with Fetch for years. Then my dog developed cancer, and I learned how little financial protection the policy actually provides. My accident-and-illness coverage has a $5,000 annual payout limit, $500 deductible, and advertised 80% reimbursement rate. This year my dog underwent extensive cancer diagnostics and treatment. I incurred about $8,784 in vet bills and paid about $2,264 in premiums. Fetch reimbursed about $5,185, including wellness benefits. So yes, insurance saved me some money in an exceptionally expensive cancer year, but that is exactly when insurance is supposed to help. Now Fetch wants to raise my premium from about $189/month to $364/month, a 93% increase in one renewal. We have made the very difficult decision to stop cancer treatment, so next year is unlikely to be as expensive. If I had $3,000 in fully covered vet expenses, Fetch would reimburse about $2,000, while I would pay about $4,368 just to carry the policy. I would be about $2,368 worse off than simply paying the vet bills myself. The deductible handling was also awful. Because I moved states, Fetch changed my policy and reset my deductible. I ended up satisfying three separate $500 deductibles within 85 days while my dog was being diagnosed and treated for cancer. One resulting policy lasted only 52 days but still carried the full $500 deductible. Fetch also denied a $450 imaging claim as pre-existing. Later diagnostics showed a different cancer, but Fetch refused to reassess because more than 90 days had passed. I spent several hours reconstructing EOBs, premiums, deductibles, reimbursements, and policy changes because this feels fundamentally exploitative. I am cancelling Fetch and self-insuring instead. I urge anyone considering this plan to look very closely at what it actually covers and whether the protection is enough to make you feel financially secure. read more

Affordable - Great coverage - easy to enter a claim am- fast payout- dog is doing wonderfully! What more could I ask!!! read more

Easy to start a claim & fast to recover % But.... Last month my monthly payment went up, I am now looking for affordable pet insurance. read more

Very easy to upload vet visit to fetch. Returns were quick ad a payment for covered shots were sent back to me into my checking account

Very happy with our purchase of health insurance. Fetch has been very responsive to our requests for payment. Very easy to send info of appointments via their site. hear back from them very quickly. pleased with our choice to pick Fetch as our insurance provider for our little mini Schnauzer. read more

Out of my claim for $1,962 Fetch only reimbursed $200! After monthly premium simply unworthy! Planning to cancel soon!

Very responsive team at customer service. Orders arrive timely. Claim filing is very easy and they follow up with the customer. read more

Easy app to use. Updates provided and after deductible payment was made. Efficient all around. read more

First time I had to fill out a claim and it was so easy. Fetch kept me up to date on the status and was fully reimbursed in a timely manner. I'm so happy I picked them fir my pets and would highly recommend them. read more

For Anyone Considering Fetch and Everyone Leaving 5 Star Reviews Dogs are amazing, and bringing one into your life is pure joy. Wanting to protect them with insurance makes total sense. If you are currently enjoying Fetch's low starter premiums, it is important to understand exactly how this works before you commit long term. Fetch's pricing model relies on locking you in early & then raising rates once your pet has a medical history. My dog, Gabi, is a 4 year old mini Goldendoodle. Had her birthday Nov 2025. Here is what Fetch charged me; 2022 $432; 2023 $640 which is a 48% increase conveniently right after puppyhood ended; 2024 $653 which is a 2% increase; 2025 $784 which is a 20% increase. Those increases were tolerable. What happened next is not. Fetch increased my 2026 premium from $784 to $2,074 per year. That is a 164.5% increase in one year. Thats with me even removing the wellness plan! This is NOT a one time adjustment. This resets the policy at a dramatically higher baseline so that every future increase compounds from an already inflated number. This has nothing to do with my veterinarian raising prices or so called increases in vet costs in my area. My vet has not raised rates in years. Fetch also points to age and claims history. Over the span of 4 years, she had knee injuries from a single accident, some abnormal bloodwork, & very minor issues like a rash & a brief belly upset, all of which were treated & 100% resolved. Both knees were surgically repaired, are stable, & she has no ongoing issues. This is not a chronic condition. The increase happened for one reason. Fetch knows I cannot leave without consequences. Fetch, like all other pet insurance companies, does not cover pre existing conditions. Once your pet has any serious injury or illness, switching providers means those conditions will not be covered elsewhere. Fetch relies on this. They keep premiums low early to attract customers, then dramatically raise rates after claims because they know you are effectively stuck. That is the manipulation. Calling a 164.5% increase market pressure is dishonest. This is not inflation. This is not veterinary cost increases. This is a calculated strategy that exploits pre existing condition exclusions. If you are considering Fetch, understand this before you sign up. The low entry price is temporary. If your pet ever needs real care, your premiums can and will skyrocket. Get Fetch. Smile big when you get a reimbursement. Just understand that you will pay every single penny back once they decide to raise your premiums the way they did mine. They WILL hold your claims history against you. When they do, you can come back here, like this post, & wish you listened to me. I am sharing this so other pet owners can make an informed decision before they are locked in, not after. read more

Fetch Pet Insurance - Pet Insurance Near Me - New York, New York

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Fast and fair review. Just waiting on reimbursement to hit my account. it's good to feel protected and not worry about having to take a pet to the ER, where bills grow fast! read more

Joshua Sabado was very helpful in getting me started on a Fetch Pet Insurance plan. Josh made the whole thing effortless and he answered all my questions. Highly recommend. read more

Fetch reviews my claims and reimburses me according to the terms of my policy in a very timely manner. Fetch has saved me hundreds of dollars just this year alone when my pup had to go to the emergency hospital. read more

Agents were very helpful and friendly. The claim was paid within one weeks time. The only thing I would have liked would be for the emails you send to clients be more specific, it would save time from having to call for explanation. Aside from that, I was very pleased. I shared my first experience on my FB page recommending Fetch. read more

h was my tech... he was knowledgeable and proficient. He made quick work of my experience which i liked. He made me feel I relaxed and knowledgeable about my coverage. Thanks Josh. Christina. read more

Fetch Pet Insurance - My dog Kenji - Pet Insurance Near Me - New York, New York

1. happy to have this insurance. 2. the claims review process by fetch takes alot of time especially if more information is needed by fetch to complete the claim. 3.uploadng multi documents needs to be looked at. read more

Was very good, first time claim & payment in about 10 days. Monthly premium is less than I was paying at Nationwide, who I was with for 20 years. read more

Josh was pleasant, up front about everything, and thorough! He carefully went through information and how to save money by paying annually!

Uploading files on an App on your iPhone can be challenging for senior citizens who may not be tech savvy. That's where a phone call to Fetch customer service can help. I was so pleased with the assistance I received from Donna who went overboard to help me. Her customer service was excellent and a great credit to Fetch Pet Insurance. She took the time to assist me in a very professional way. There are many companies to choose from for pet care. Her response was 10 on the customer service scale. read more

everything went smooth in getting my claim submitted.Staff took care of everything and it didn't take long for them to send a response on my reimbursement claim.Fetch pet insurance is one of the greatest insurance that you can have for your pet it shows that the care and service that they give for your pet is just like the love and care that we give to our own family members. read more

Explained the product and very good customer service. Josh was awesome and very patient. read more

Fetch was extremely easy to use. The claim for our cat was processed quickly and we received the reimbursement in our account the day after it was approved! Those I spoke to over the phone were helpful and kind and it's nice to find an insurance company who cares. read more

We purchased Fetch when we adopted our puppy and we are so glad we did! He has been sick twice and Fetch makes it so simple to submit claims. Oftentimes my claim and reimbursement are approved within a week. The Fetch team is amazing!! read more

Good experience with getting paid...but after trying to upload the vet bill, wasn't sure it went through because you can't immediately see if it was done correctly. read more

So thankful to have Fetch insurance. It was stressful enough to know our dog needed emergency surgery but not having to worry about how it would be paid for was a blessing. From the beginning to the end of the claim process everything went well. I was able to upload and send the documents requested straight from my phone. Within 6 days my claim was processed and reimbursement was direct deposited into my bank account two days later. I highly recommend Fetch insurance. read more

The claim process was quick and easy and the reimbursement funds were deposited promptly Monthly premiums are little high but overall satisfied with the process. read more

Finally you guys did the direct deposit after all this time. But you take way too long to settle a simple claim of allergy medication. Nothing to figure out. Don't drag it out so long. read more

I signed up for Fetch today for my dog. I had a very nice representative,Josh, helping me. He was very kind and patient in explaining to me the details of Fetch pet insurance. He answered my questions. Thank you for the laughs and easing my pain at the price. read more

I purchased a policy with Fetch Pet Insurance for my Pomeranian puppy, Baby Bear, expecting coverage for unexpected medical expenses. Unfortunately, my experience with the claims process has been disappointing. My claim for retained deciduous teeth and an undescended testicle surgery was denied based on findings documented during a routine wellness examination when my puppy was only five months old. At that visit, the veterinarian diagnosed Baby Bear as a healthy, normal puppy. The records specifically state "Appears normal" and "Healthy animal." The veterinarian noted retained baby teeth and one undescended testicle, but also advised waiting until the puppy was at least one year old to allow time for the testicle to descend naturally. In my opinion, developmental findings observed in a five-month-old puppy should not automatically be treated the same as a confirmed permanent medical condition. Retained baby teeth and delayed testicular descent are commonly monitored in young puppies, and my veterinarian did not recommend immediate surgery or diagnose a permanent condition at that time. Despite this, Fetch classified these findings as pre-existing conditions and denied coverage for the surgery. I am currently appealing the decision and hope Fetch will reconsider after reviewing the complete veterinary records. Pet owners should carefully review Fetch's policy language regarding pre-existing conditions and understand how routine findings during a puppy's first examination may affect future claims. read more

I had a fabulous experience with Nicole. She was friendly and took her time looking up my different options as I was looking to change my policy. Fetch has been a great help to us with our mini golden doodle, Daisy, and I would recommend them to anyone getting their new fur baby. Thank you, Nicole, for a lovely start to my Monday morning:) read more

easy to submit claims and it's usually a quick return. the only downside is you can't click on several photos (medical records) at once. you have to do one-by-one. read more

Overall satisfied with the coverage, but when it was up for renewal, I thought to check for a new quote and play a little more with the coverage options. A policy similar to mine with a deductible $200 less than my current one, and a whole 5K extra coverage was available for only $55 more a year. I called in to have it changed to that, but apparently you can't up it once you "use" it, only downgrade. I wish they made this CLEARER when initially signing up, but also they seem to forget what they are FIRST... an insurance company. the app is full of bloatware and ads to their partners. Put that stuff somewhere else in the app, not when I first open it. read more

BE AWARE! We have had Fetch insurance for a year now, and we just received our renewal notice with a 55% increase. After doing some research, I discovered that pet insurance companies often trap you once you join because you cannot switch to a different company if your dog has preexisting issues. Since our dog has developed allergies, we are now forced to either pay the 55% increase or lose coverage entirely. I truly believe they lowball the rate for the first year and trap you from that point on. Please make sure you ask all the right questions before getting insurance with this company. read more

Belinda provided amazing customer service support and helped me really understand my new insurance policy and walk me through my first approved claim and confusion. Thank you Belinda! read more

Fetch Pet Insurance - Pet Insurance Near Me - New York, New York

If you're thinking of using Fetch Pet Insurance, don't. I've been with Fetch for nearly two years and recently decided to cancel my policy, which was set to renew on Sunday, 1/11/26. I attempted to cancel on Saturday, 1/10/26, the day before my card was to be charged. But because Fetch doesn't have their phone lines open on weekends, I was forced to use their chat to try to cancel my policy. After being told several times by a chatbot that I needed to call in to cancel my policy, I finally found a way to connect with a human. As expected, the human told me I couldn't cancel my policy via chat and that I needed to call in to do so. I then emailed the support team to attempt to cancel and was told the same thing: I needed to call in to cancel my policy. I was then charged $93.82 the next day. Annoying, but I figured that because I had created a paper trail of wanting to cancel BEFORE my renewal date that I could just call in on Monday, speak to a human, explain my situation, and get Sunday's charges reversed. I was wrong. After over 20 minutes on the phone with "support," I was told that Fetch was unwilling to reverse my charges and retroactively cancel my policy because their terms of service state that all cancellations must take place over the phone (even though I had attempted several times the day before my renewal date to cancel my policy). If Fetch is going to force people to cancel over the phone, they need to be available by phone 7 days a week. Yes, I understand that I was bound to the ToS I agreed to when signing on with Fetch, but I figured the company would be willing to work with me since I'd requested cancellation before my renewal date. I was wrong. Fetch is a predatory company that enacts predatory practices. If you're reading this, know that Fetch's main goal is to extract every single dollar from you that it can. They intentionally make it impossible to cancel policies on weekends, and are unwilling to retroactively cancel policies and refund customers even if they'd submitted a request before their renewal date. My advice after two years with Fetch is simple: Go find another pet insurance company. I'm going with Progressive. read more

Josh was very helpful and helped me decide the best insurance to purchase for my dog. Greg customer service.