563 reviews
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AI reviews summary
Fetch Pet Insurance maintains a highly positive reputation for its efficient digital platform and compassionate customer service. Reviewers frequently highlight the speed of claim approvals—often occurring within hours or days—and the team's proactive communication, which includes following up on a pet's recovery after surgery. While the majority of feedback is excellent, a small segment of users has experienced frustrations regarding the exclusion of pre-existing conditions and administrative hurdles during the initial "history check" phase.
Pros
- Rapid Claims Processing: Multiple users report receiving claim approvals and bank reimbursements within 24 to 48 hours, even on weekends and public holidays.
- Compassionate Support: The staff are frequently praised for showing genuine empathy, providing personalised check-ins, and offering "Fetch Fund" support for difficult cases.
- User-Friendly App: The mobile application is noted for its intuitive design, making it easy for users to upload receipts, track claim status, and chat with the team.
- Competitive Pricing and Coverage: Users often mention that premiums are more affordable than previous insurers while offering high reimbursement rates (up to 90-100%) and covering specialist conditions like IVDD and BOAS.
Cons
- Pre-existing Condition Disputes: Several reviewers expressed frustration when claims were denied based on minor historical vet notes (e.g., a puppy scratching or a single instance of diarrhoea) being classified as pre-existing conditions.
- Initial Verification Delays: The first claim can take significantly longer (up to several weeks) as the company performs a comprehensive medical history check with past veterinary clinics.
- Premium Increases: Some long-term users noted significant annual price hikes, with one reporting a 23.5% increase, which impacted their perceived value of the service.
- Limited Direct Vet Payments: While direct payment to vets is available, it is not yet universal; users noted it can be difficult to arrange outside of business hours or with certain emergency hospitals.
Verdict
Fetch Pet Insurance is a top-tier choice for pet owners seeking a modern, app-based insurer that prioritises speed and emotional support during emergencies. It is particularly well-suited for those with young pets who can clear the initial medical history check without many pre-existing exclusions. However, potential customers should be prepared for a more rigorous initial verification process and monitor premium costs over time.
The vet team was amazing at their customer service when my cat had received a paralysis tick and I haven’t realised that my insurance had lapsed. They let me reinstate and backpay my insurance so I could claim my medical bills. I spoke to the team and they made it all seamless and really easy for me. Very grateful for Leah’s help
We have had a few claims with Fetch and they have always been approved quickly and the money in our account really quickly. We've been with them for nearly 3 years now when we first got the two pups. Emily was great to deal with recently. She checked in all the time to see how our pup was doing. She even tried to get our vet to sign up to FetchPay to help us pay a larger vet bill. Show reply
So far my interactions with Fetch have been exceptional. Our 9 month old puppy has developed a condition that has required intensive investigations and Fetch have been prompt and helpful during this stressful time. Reimbursements have usually been within 24 hours. I did a lot of research when I was organising insurance when we purchased our pup,… Read more · 1
I found Fetch a good value policy for the cover I was looking for. I’m pleased I chose Fetch and I would definitely recommend Fetch.
Reviews with attachments
My partner recommended Fetch to me years ago, mentioning Fetch has been easy to use, quick/easy to claim, and cute in UI design, for the dog. Finally I am staring with Fetch, and it is the first insurance company that I’ve dealt with, which, in the communication, never sounded like an insurance company. Fetch’s staff members show care, they… Read more · 1
might have been sending some words or sentences that were still from a script, but they feel like a human being team who cares about my pet and me.
I’m a new member and I’m already very happy choosing Fetch for my third cat. Fetch has the option to skip the waiting period, and after uploading some required pics and vids, we just skipped the waiting period for the cat, before the policy even started! I’m in the process of transferring my other cat to Fetch from another company that just belongs to a huge “umbrella insurance company.”
The only thing is that Fetch doesn’t start new policies for pets over 10 years of age, and I’ll have to leave my 16-year-old happy and still healthy cat with another company for now.
My dog just came home after a $10 000 procedure and treatment. Fetch were there to help every step of the way and my payment was in my bank account before we even got in the car to go home. Show reply
Ann was brilliant! So far Fetch has been amazing. I was unsure about being online only and while it’s a lot of writing the team members have been very prompt and amazing. Hopefully they cover our vet bill and would not be able to recommend enough!! Show reply
The FETCH team member (Ash) was extremely helpful through my first time claiming for Izzy Bee’s MRI. The whole process was the easiest I’ve ever had with any pet Insurance company in 15 years. All my dogs are now being moved over the FETCH! Show details · 1
I highly recommend Fetch! I have been with Fetch for about 4 months after taking out insurance on my young (mischievous) border collie. I recently had to take him to the vet as he wasn’t feeling well. I submitted a claim with Fetch when he got home and it was approved within a couple of days. Submitting a claim on the app was super easy. Email… Read more · 1
communication with Darci was always very pleasant and professional and I was kept up to date with my claim. So nice to have peace of mind being able to trust an insurance company will do what it says it will do (and very good value). Thank you team Fetch!
Fetch have been incredible! The Pre Approval process was so easy and fast. Simple to understand and I knew exactly what to expect when I arrived at the Specalist. The staff were so compassionate and caring. Fetch has proved to be a fabulous product for my 10month old puppy and I would obviously recommend it. Show details · 1
Finding out about Fetch and the process was really good. Easy to set up. Good value. The app is easy to follow. Just started out so the guidance was terrific. Show reply
I honestly cannot be more grateful for Fetch Insurance. My dog had a bladder blockage and was on the brink of death. The surgery he required cost $17,200 all up and I didn’t have to ask myself the scary question of it I can afford this or not. I knew that I was supported by Fetch. The first part of the claim I put in was paid into my account… Read more · 1
within 2 hours of me submitting it. The second took 2 days. I love how effectively it all works: the app, the customer service, and the compassion that they show. I have recommended this company to everyone I know. 20/10 ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
We are very grateful to have insurance with Fetch. Our little Italian greyhound broke her arm and the process of submission to approval for our claim was quick (a couple days) and simple. We did it all in app - and it made a very stressful situation a little easier to deal with. The customer support is excellent. Our experience has been great and I would recommend if it suits your needs! Show details · 1
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The process was very easy. Empathy, kindness and great service came through in the messages. Everything was quick and I was able to mark off my to-do list and move forward into my day. Thank you, Fetch. Show 3 replies
I can say that Fetch are life savers. They were there when we needed them, and we had only joined 3 months prior. We experienced every daschy owners nightmare, IVDD!!! We were in Singapore and got in touch with Fetch through their chat app and just amazing, they were there when we needed them, and they are still there now during our girls… Read more · 1
recovery. I HIGHLY recommend Fetch, just amazing group of people. Once everything was done and we got her home, I lodged the claim, Fetch got straight onto it, they had processed the claim and money was in our bank 4 days later. To us, they are superstars
Excellent, responsive service. Everyone that you deal with at Fetch Pet is extremely professional, polite and knowledgeable. A brilliant organisation to deal with. Thanks Fetch Pet Show details · 1
Very efficient. Went the vet for my border Collie limping issue. Uploaded the claim on Sunday. Email received Monday, telling me the claim has been finalised. Waiting for the 90% refund to be deposited in our bank account. Show details · 2
Fetch whole team makes you feel like your fur babies is there own fur baby. They make what can be a stressful time feel not so stressed. They always are very quick at replying to any messages in the app and will always try there best to help out. Just be honest and open to them and they will be with you every step of the way. Would highly recommend them to anyone. Thank you fetch family Show reply
Signing up to Fetch Pet Insurance for my cat Lilah was super easy and straightforward. The process was simple to follow, the information was clear, and I didn’t feel overwhelmed trying to understand what was included. It only took a few minutes to get everything sorted, which made the whole experience feel really smooth. It gave me peace of mind knowing Lilah is covered without having to jump through a million hoops to get there. Show reply
Latest follow-ups
As ever when Fetch are presented with a question they answer accurately and they are very helpful. Thanks Des Show reply
Follow-up · Fetch as pet insurers maintain the highest standards, they take decisive action whenever necessary. Fetch are highly recommended as your pet insurer.
Wow. Just changed my pet insurance to Fetch and I do not know what has taken me so long. Fast efficient and informed. Looking forward to a happy pet journey Show reply
Follow-up · Peace of mind and reassurance for the jump I made to Fetch. Whilst I know navigate any pre-existing conditions with a fur family of 3 and a menopausal memory at present team Fetch were quick to spot a few details I missed and reached out with the information I needed to update our file with. AMAZING!
My dog Shunka had a CCL operation on her rear right leg. I paid the account and It was expensive and received my refund within 5 working days. This… Read more · 1
Pet insurance is a no nonsense, true to it's word insurance. I highly recommend. I have been with Fetch for over two years and my baby girl is worth every penny. Thanks Fetch for being efficient
Follow-up · The support was fantastic. The Policy I purchased for Shunka was I pay 20% of the costs, and since she has issues now with her leg I am able to claim and receive my refund in any ongoing issue with her CCL operation. I have always being skeptical about insurance and really resourced hard to find the pet insurance that best suited me. My refund… Read more
Follow-up · Shunka is doing well. She has had her last xray and the operation was a great success. We are doing Physio exercises three times a day, half hour walks up a hill in her harness. Her sister Rebel and big brother Buster come along to encourage her.… Read more
Find out how Fetch Pet compares to other Pet Insurance
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In-depth reviews
As a first-time pet insurance customer and first-time dog owner, I was extremely disappointed with my experience. My dog required emergency exploratory surgery just one day before the waiting period ended. While I understand that waiting periods exist, I was disappointed that there was no flexibility or discretion applied given how close the… Read more
incident was to the end of the waiting period and the circumstances involved. The surgery placed a significant financial burden on me and I had taken out insurance believing it would provide support during unexpected emergencies. Having my claim denied was incredibly stressful at a time when I was already struggling to afford the treatment my dog needed. What was even more frustrating was that after the claim was denied, the condition was then classified as a pre-existing condition and excluded from cover. I felt this was unfair given the nature of the incident. I was advised that the exclusion would only be reassessed after 18 months, which was very discouraging. While the staff I spoke with were polite, the overall experience left me feeling unsupported and disappointed. I joined for peace of mind during emergencies, but when faced with one of the most stressful situations I've experienced as a pet owner, I felt that the policy provided very little assistance.
⭐️⭐️⭐️⭐️⭐️ ABSOLUTELY OUTSTANDING – Fetch Pet Insurance I cannot recommend Fetch Pet Insurance highly enough. They have been nothing short of incredible during one of the most stressful weeks of my life, after finding out our little Frenchie, Bowie, needed BOAS surgery. From the moment I requested the pre-approval, Fetch were attentive,… Read more · 1
supportive, and proactive. They liaised directly with the vet, kept me informed every step of the way, and handled the entire claim with zero stress on my end. They even settled the bill before I had picked Bowie up, all I paid was my excess. No delays, no complications, no runaround. Just genuine support when it mattered. In times like this, you realise how important it is to have the right insurer. I am SO thankful I did my research before choosing Fetch they have proven to be the BEST by far. Honestly, can you afford to be with anyone else? If you want an insurer who actually shows up when you need them, choose Fetch. They’ve been amazing, and I’m beyond grateful. Thanks again Taylor and the whole fetch team
I honestly can’t recommend Fetch enough. I’ve only been with them a short time, but I’ve already had two claims in three weeks — both handled flawlessly. The process was quick, clear, and genuinely stress-free. I received a call from the vet saying my dog’s surgery was over, and within minutes the invoice was emailed to Fetch. They processed the… Read more · 1
claim and sent my gap payment request through their app almost immediately. I paid my portion, and Fetch settled the rest with the vet right away. No arguments, no delays, no confusion — just smooth, efficient service.
The customer service team were on the ball and incredibly easy to deal with. It’s such a relief having a pet insurer who actually does what they say they’ll do. After years of hearing horror stories about slow or difficult claim processes, Fetch has been a breath of fresh air.
I’m genuinely impressed — they’ve earned my trust completely. If you want reliable, honest, fast pet insurance that actually cares about helping you, Fetch is the one to go with.
Recent reviews
Emily went above and beyond for us during a difficult, unknown time with our boy at the emergency pet hospital. She liaised with the vets, removing that layer of worry for us and checked in daily (including in her time off!). Couldn't recommend Fetch more! Thank you Emily! Show reply
I just wanted to say thank you guys so much for your prompt service , it’s really appreciated , I knew I chose the right pet insurance a year ago when I decided to change from my previous provider. Makes it a bit easier for families when they know that the financials are okay while going through a stressful time with their pets❤️ Show reply
Being new to Fetch and pet insurance I have found that they have been most helpful. The process was really easy once I understood the app and they were very quick to pay and preapproved treatments. So far on this very disappointing journey for a young pup I am very impressed with fetch and so glad that I have them behind me so that I can offer my dog the very best of care . I could only wish the breeder was as supportive as fetch. Show reply
I was most impressed with Fetch during my recent experience. The whole team was attentive, prompt and approachable with constant updates and advice. Thank you Emily, Tash and Pip. Show details · 1
Fetch have insured our little dog for almost two years. We have made two claims. One for an eye condition and the latest anaphylaxis. Both were very easy to process and resolved by the following day. Show details · 1
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