Fetch Pet Insurance

2
r/cats🐱Apr 27, 2026

Having a hard time mentally coping with cat with UTI and pancreatitis atm

Hey everyone! Haven't had to come on here for awhile, but here I am. I had my first cat, Biff, for about a year before he passed at age 3 from a urinary blockage that never got better and a history of UTIs. Was honestly one of the most heart wrenching things I've had to go through. A couple months after his death, I adopted my current lil guy Lucifer, age 4. Super spunky, sweet, and loving. I've had him about 8 months now, no huge complications, but had to take him to an emergency vet yesterday due to unusual behavior and him showing discomfort. $1k later, he is diagnosed with a UTI with crystals AND pancreatitis. He's been home for around 24 hours now and had two really good pees and then strained a couple times not too long ago, but did eventually get a decent amount out. I already called the vet and they are having me continue monitoring him since we are only two rounds of antibiotics in and he is still getting pee out. He also hasn't pooped yet so stressing a little about that too 🤦‍♀️ I do thankfully have pet insurance with Fetch that I got the day I adopted him, so I don't see any reason for what's been going on to not be covered by insurance. I am just feeling so anxious that this will be a repeat of what happened with my first cat and/or I am going to go into immense debt if for some reason insurance denies my claims. I am especially scared if he gets a blockage bc that will be one step closer to what has already happened before. Does anyone have any advice with experience with their cat going through something similar? Experiences with insurance for claims like this with no preexisting conditions? I'm just spiraling rn and need some words of support or information if y'all have any 🫶

2
r/CatAdvice🐱Apr 23, 2026

A Question About Pet Insurance

some policies treat cured conditions differently once the cat has been off treatment for a set period - call the insurer directly before enrolling and ask exactly how they classify a resolved FIP case. saves a lot of fighting claims later. Fetch has decent reps in my experience, worth a phone call

1
r/CatAdvice🐱Apr 23, 2026

A Question About Pet Insurance

I adopted a 7 month old male cat from a rescue and a few weeks later he was diagnosed with wet FIP. The Rescue has been amazing - they are covering all the costs and got me in touch with local groups for additional support. It was caught pretty early and the big guy started improving within the first week. He is already back to his snuggly & playful self. I'm wondering if anyone has insight on Pet Insurance. I've not yet enrolled him, but my other cat is with Fetch. I'm concerned that a history of FIP is going to result in claim denials or having to fight on every issue because they're going to say its related to FIP = therefore a pre-existing condition. I haven't brought him to my actual Vet yet. The Rescue encouraged me to use the Vet that works with them until the FIP treatment is complete (so costs are covered or at least reduced). When I did all the adoption paperwork I did get paper copies of his vaccinations & neuter. Also, I have already changed his name for the microchip. You can probably tell where this is going. What's to stop me from bringing the paperwork to my actual Vet (once the cat is recovered), saying I adopted him from a rescue and just omitting the FIP? There is nowhere in the insurance form to list conditions so I'm not straight-up lying. *Edit* I'm asking this because I have had several people try and tell me it's an option, and I've heard enough stories of insurance companies screwing people over that it has me stressed.

0
r/CatAdvice🐱Apr 13, 2026

Is pet inssurance worth it? recs? 🇨🇦

My cat is 1.5 years old (F), no pre-existing issues. \~$3000 saved for her. I could take around 7k from my personal savings if necessary. (Technically could also use credit in an emergency, but obviously not a great option..). I want to be protected incase anything were to happen, BUT I’m hesitant because I’m currently an unemployed university student. so the payment (\~$30/month) would come from her savings rather than -$30 from a consistent a paycheck. I’d still be paying for her regular vet visits, vaccinations, her normal living expenses etccc in the meantime and hopefully not using the insurance for years (ik thats the point though lol). I have around 3 years left of school. Does it make more sense to start pet insurance in a few years once I’ve graduated and (hopefully) have stable income? or is it worth starting it now? Open to inssurance recs, I’m in Canada. I was recommended Fetch but have seen negative reviews.