Samantha was excellent! I had been going back and forth with multiple agents over the past week trying to understand an issue with my account. After lowering my cat's coverage, the updated premium amount was not reflected in the app, which caused some confusion. Samantha took the time to thoroughly explain the discrepancy, clarify all of the policy changes, and answer my questions clearly. She even went above and beyond by reaching out to the previous agent I had spoken with and documenting everything in my account notes for future reference. Her professionalism, attention to detail, and commitment to resolving my concerns made the entire experience much smoother. Thank you, Samantha! read more

Great! I've already sent in several vet visits and the prescriptions. The review and payments was really quick.

Thank you for such prompt service had you for 4 years and this is the first time I've used it

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

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

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

Fetch has been awesome so far. My chow needed a surgery and Fetch made it a hassle free experience to put in the claim. They were quick at processing it. I wish I knew about pet insurance before with my other pups. It really takes the stress out of getting pet care. read more

I am a first timer with pet insurance and thank the lord I had it on my 7mo puppy when she was injured and required emergency care and specialized hip surgery . The process was quick to submit a claim and it took less than a week to be reimbursed. Truly a life saver . read more

I have been using this pet insurance since 2017. My premium has been going slowly up every month until it finally reached $269.00 a month. That was in April my May premium was $968.00. They had the nerve to tell me it was because of his age of course he's older I've been with them since 2017. I managed to find out they have a new underwriter who clearly didn't look at the entire history, they looked at age of the dog. Nobody at the company was able to do anything about the premium or the fact that I was never notified that the premium is going up such a large percentage I wouldn't use them if I were you they're expensive and they clearly don't care about the customer they only care about the money 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

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

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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Fetch is such a scam. I purchased insurance for my senior cat. (Months later I used the service) because my cat scratched her eye when grooming herself. I submitted it to the insurance and it got denied because she has no other medical files. (Where is the cat going to get medical files that doesn't exist?) this was a total waste of money and we totally been scammed. GO WITH OTHER WELL KNOWN PET INSURANCE COMPANIES! DO NOT RECOMMEND read more

Easy to submit and claim was reimbursed fairly. I wish there was a multi pet discount though!!

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

It was great, I never have to guess the status of my claims. I'm kept informed the whole time. And the claims are processed really quick. I appreciate it. read more

We recently got our very first puppy, Stella, and we love her to death! Being new pet parents, we've already had our fair share of initial appointments and unexpected vet visits. So far, Stella has hurt her hip, had an allergic reaction to medication, dealt with a strange eye issue, and had her first round of shots and labs. Fetch has completely paid for itself already. Claims processing usually takes about 4 to 7 days depending on the volume, but we haven't had a single denial, which we're thrilled about. Plus, their customer service emails are always incredibly pleasant. Highly recommend! 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

Josh was helpful in helping me find the right pet insurance policy for my dog. He was helpful in helping me change my pet's name on the Fetch Insurance policy. read more

This was the first time I had to use the insurance and was pleased the response was handled very quickly.

Josh sabado was amazing I had many questions within a few days and he responded immediately very pleasant and patient I hope my experience with fetch is all it says to be. I will follow up in the near future read more

The main reason we chose Fetch insurance was because of Joshua. He was so informative about his product. We knew nothing about pet insurance and didn't know much more after talking to several other companies. We then called Fetch and talked with Josh who explained how pet insurance really works. Again THANKS JOSH! read more

I'm really glad we have Fetch. We've had 2 claims, and a quick resolution for both. I like the thorough Explanation of Benefits that comes with each claim. Easy to file and also easy to understand. 10/10 recommend read more

Fetch Pet Insurance - Oscar Wilde 03/08/26 - Pet Insurance Near Me - New York, New York

Once all requested documentation was uploaded, the claim was processed in a timely manner. Very happy customer!

took a bit to figure out how to get records to you. but I am old...haha. but got it done. I did send the info and it never got to you. so I had to redo it, even though it said it went. don't know if the problem was on your end or my end read more

I was payed promptly on my claim I was very pleased I have insured my two dogs with Fetch for years they are the best!!! read more

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 knowledgeable and answered all our questions. His responses and emails came right away. Thank you!

I called customer service, and Katherine was so very kind, patient, helpful, and understanding. There was some kind of glitch after the call, so I couldn't leave my review on their system. I highly recommend Fetch. We have been with them for years for our pets, and I am 100% satisfied with the service. Thank you, Katherine! read more

They are great we got our refund fast thank you fetch Insurance. So glad we got such a great response and fast everyone was fantasti.

Process was Easy peezy to submit pet history and claims. Claim review and reimbursement took less than two weeks for a new puppy , considering it was done on 12/30. read more

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

This was my first time submitting a big claim. Very easy and painless. I was kept informed of the process the whole time with emails and texts. I was pleasantly surprised that I was reimbursed more than half of my claim. Thank you! read more

Pretty straightforward pet insurance. No drama (so far). The app makes an already stressful situation easier to deal with by making the process quick and simple. Tip: Always have your itemized hospital invoice, diagnosis with you, preferably in digital format (PDF). It makes submitting required documents a lot easier. read more

I just got my renewal for my 5-year-old dog and the premium doubled from two years ago (40% last year and another 50% this year). I checked my original policy and found it is silent with regard to premium increases. I bought the policy to protect against a catastrophic event and never made a claim, so I have five years of premiums in the rearview mirror. If my dog turning 5-years-old can trigger this kind of increase, it seems the sky the limit on future increases as she gets older. Turns out the catastrophic event I needed protection from was Fetch premium increases. Grr. read more

I've been paying Fetch Pet Insurance for 11 years for my 12 years old dog Whozy and only made 10 claims in that entire time. My premium increased from $857 in 2020 to $3,253 in 2026 -- nearly 4× higher. In the last two years alone it increased over 60%. As you can see the pictures. My dog had 2 vet visits in 2023, none in 2024, and 3 in 2025, yet the premium keeps skyrocketing. When I called company to discuss this, the only solution offered was reducing coverage, which defeats the purpose of insurance -- especially for an older pet. No one suggested me to lower my premiums when my dog was young and healthy. After over a decade of loyalty and support the company,it feels like long-time customers are priced out exactly when they may need coverage the most. read more

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The fast review process and reimbursement hekped to make a tough situation a little easier.

I have trusted Fetch Pet Insurance for my puppy (now a senior) for the past 11 years! Submitting a claim is quite easy, except for the list of Reasons that sometimes don't cover a specific situation. Adding details is sometimes overlooked. But approval and payment are fast and usually correct. When I call Fetch customer service and talk to a representative, and I would like to especially mention Donna, each one is very helpful, professional, and compassionate, and knows what to do! The one complaint I have is that the annual premium keeps rising steeply! But it is the same with every pet insurance. Caring for a pet is an expensive ordeal, here in Canada. Still, I recommend Fetch Pet Insurance if you are looking for a reliable and trustworthy one. Esti B. read more

I love Fetch! It's nice and easy to file a claim and good communication. They kept me updated throughout the process.

In the wellness benefits FAQ section it says... "Is there a waiting period for wellness coverage?" and the answer says.... "NO, THERE IS NO WAITING PERIOD FOR FETCH WELNESS. You can submit wellness claims on or after the effective date that's given in your enrollment confirmation email. IN OTHER WORDS, YOU GET WELLNESS COVERAGE ON OR AFTER THE DAY OF ENROLLMENT" 2 out of those 3 sentences imply that the coverage will be available immediately or (at the very least) the day after. In the email I received after signing up, the first sentence says "[your dog] NOW HAS THE MOST COMPLETE COVERAGE" Everything up until this point made me feel I had coverage so I took my dog to the vet. 2 claims were denied as a result. I go back and check the confirmation email and 7 lines down from them saying "[YOUR DOG] now has the most complete coverage", it says that the enrollment date is actually 2 days after the email date. When I called in they said "oh yeah coverage always starts 2 days after enrollment" THAT SEEMS LIKE IT WOULD BE HELPFUL INFORMATION FOR PEOPLE SIGNING UP TO USE THE BENEFITS. It's known information within the company that it starts 2 days after signup. read more