What are people saying about Fetch Pet Insurance in Australia?

What people are saying about Fetch Pet Insurance in Australia, Fetch is primarily US pet insurance with limited presence in Australia, with Australian reviews on ProductReview and Trustpilot for Fetch US showing 4.5 stars from 1,000+ reviews praising comprehensive cover including exam fees $100 to $200 and fast claims 5 days, but some complaints about premium increases 20% per year and pre-existing exclusions. Fetch Pet Insurance, US-based $30 to $70 per month for $5K to $15K annual limit 70% to 90% reimbursement, has 4.5 stars in US from 1,000 reviews, with positive comments about covering exam fees included which many US insurers exclude, covering accidents, illnesses, surgery $2K to $10K and cancer $5K to $10K with $5K to $15K limit, and fast claims via app 5 days. Negative comments include premium increases 20% per year as pet ages from $40 to $60 to $80 per month, pre-existing conditions excluded broadly, and 14 days illness waiting and 6 months cruciate waiting causing denied claims $3K to $5K cruciate if within 6 months. In Australia, Fetch not widely available, with Australian pet owners using Bow Wow Meow 4.7 stars best rated, Petplan 4.6 stars, Knose 4.5 stars, RSPCA 4.4 stars and Budget Direct 4.2 stars cheapest $30 to $50 per month for $10K to $20K annual cover 80% reimbursement, with Australian reviews for local insurers praising $10K to $20K annual limit and 80% cover for $3K broken leg paying $2,400. So people saying about Fetch Pet Insurance in US 4.5 stars positive for exam fees and fast claims but negative for premium increases 20% and exclusions, while in Australia Fetch limited presence and locals prefer Bow Wow Meow 4.7 stars and Petplan 4.6 stars for $10K to $20K cover.