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Fetch Pet

Fetch Pet

 Verifiedfetchpet.com.au
Fetch Pet
4.8

571 reviews

Positive vs Negative
95%5%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.7
Customer Service
4.8
Value for Money
4.7

 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.

571 reviews
5 Taylor  · The app is fantastic to use, and they’re super helpful to deal with. My claim was processed within 36hrs!
5 reem a.  · Excellent customers service by far, very helpful staff members Highly recommended
5 Donna  · Easy to contact with positive interaction and outcomes. Very happy customer
5 Sudeep  · Very prompt and responsive team. Every queries were responded and explained very clearly and in simple language...
5 Tarn  · Easy to join and efficient with communication and changes required.
5 Corine P.  · Friendly & helpful staff, my queries were answered promptly & courteously. Very thorough checks on vet history.
Kate R
Kate RNSW3 posts
  Verified

Prompt response, quick turn around in claiming, reviewing and payment.example vet appointment at 10.30, put claim in at 12.30, processed and money in bank by 4pm. All in the one day. Had a question, was responded to with the answer and help needed to progress in submitting another claim very quickly and clearly with what I needed to do. Thanks to Laura and the rest of the team.

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Leeanne L.
Leeanne L.TAS
  Verified

I absolutely love Fetch, ease of use, always someone to answer my queries. Best thing I ever did was getting my fur baby insured through these guys, definitely not regrets.

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Great Dane mum
Great Dane mumSA
  Verified

Once again, Fetch has stepped up. So glad I chose them! Claims are simple to submit, approvals are quick, It’s reassuring to have an insurer that delivers exactly what it promises. Highly recommended! Kizer also says thank you FETCH !!

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Reviews with attachments

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Natalie
NatalieWA
  Verified

Staff are very helpful and claim lodgements have been super easy 100% recommend

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Yanyu C.
Yanyu C.WA2 posts
  Verified

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.

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Kylie C.
Kylie C.NSW
  Verified

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

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Emma
EmmaWA
  Verified

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

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Lis Marshall
Lis Marshall2 posts
  Verified

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

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Leah
LeahQLD
  Verified

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!

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Michelle
Michelle
  Verified

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

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Kellie
Kellie21 posts
  Verified

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

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Jordyn
JordynNSW
 

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 ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

Find out how Fetch Pet compares to other Pet Insurance

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TTI
TTI VIC2 posts
  Verified

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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Jan
JanQLD2 posts
  Verified

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

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Beau B.
Beau B.
  Verified

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

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Penny E.
Penny E.NSW
  Verified

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

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Marie Varrone
Marie VarroneWA2 posts
  Verified

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

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ALEXANDER G.
ALEXANDER G.QLD
  Verified

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

Latest follow-ups

Deborah M.
Deborah M.3 posts
  Verified

Fetch has been a dream to deal with, pre authorizing my dogs knee ligament surgery without a quibble. I have been very impressed with their… Read more ·  1

communication and the speed with which I received my refund. Can't recommend highly enough - tell your friends! Been with them 3 years now

 Follow-up  · Continued excellent service, money was in my account within days after my dog's surgery.

 Follow-up  · No changes to my premiums despite both dogs having surgery. My plan renews monthly. Routine visits for vaccination not covered. I remain very happy with Fetch and their communication is superlative.

Warwick
WarwickNSW
  Verified

A no fuss quick claim payment on our little miniature dachshund, after ingesting a lot of plastic. We find Fetch to be easy to deal with and very responsive, with added advice as well. Very quick to reply and quick to pay up when covered. Highly recommend FETCH to any pet owner. The best pet insurance we've found. Show reply

 Follow-up  · Our experience with FETCH has not changed. Responsive and quick payment. Highly recommended.

Desmond P.
Desmond P.QLD2 posts
  Verified

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.

Find out how Fetch Pet compares to other Pet Insurance

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In-depth reviews

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mandy m.
mandy m.
 

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.

Christine
ChristineWA3 posts
  Verified

⭐️⭐️⭐️⭐️⭐️ 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

Eric T.
Eric T.NSW
  Verified

My cat recently required emergency treatment at SASH due to a urinary obstruction and the team at Fetch could not have been easier to deal with - especially as this occurred during the weekend. I was able to submit my pre-approval on Saturday with their Team providing timely communication in regards to its progress and any additional information… Read more ·  1

they needed to finalise the claim. My cat was discharged on Sunday and by Tuesday morning the claim was finalised and paid to my account.

However, it would be amazing if they were part of the GapOnly Partners as, while they offer Direct Payments to Vets, this does not seem to be as widely available as the GapOnly service and was not accepted by SASH. Not necessarily an issue if the customer can make the upfront payment to the vet but I can see this being an issue in some cases.

In short - highly recommended for anyone looking for a great insurance provider that has an easy to use phone app, quick claims process and a top-notch team with fantastic service.

Recent reviews

Kate Dabner
Kate DabnerTAS
  Verified

Fetch have been amazing each time I have had to take my boy to the vet and I’m very impressed with the fast turn around of the reimbursement. I lodged a claim on the Thursday and the money was back in my account on Monday!!

Michael L.
Michael L.SA7 posts
 

I have had to make several claims this year for my 2 year old cat’s Gingivitis treatment. Have found Fetch claims to be hassle free & paid very fast, usually same or next day. My vet is recognising Fetch as one of the more reputable insurers now. Show 2 replies

Billie
Billie
  Verified

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 Show reply

JoB
JoB2 posts
  Verified

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

Ang
Ang5 posts
  Verified

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.

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