Fetch Canada | Pet Insurance Review

After five years with Fetch Pet Insurance, I can honestly say I would not recommend them to anyone. What started as a fair, reassuring policy for our dog, turned into an overpriced, frustrating experience filled with premium hikes, reduced coverage, and denied claims. When I enrolled in late 2020, my policy offered 90% reimbursement with a $250 deductible for $211.17 per quarter. By 2025, that same plan ballooned to $602.71 per quarter / $2411 Annual — a 185% increase — despite me barely using the insurance. Over the five years, I paid $7,676.83 in premiums and received only about $1,000 in reimbursements. That’s a net loss of roughly $6,600, even after lowering my coverage to 70% reimbursement with a $500 deductible in an effort to keep premiums affordable. Within two quarters of reducing coverage, Fetch raised the rate back up anyway. The company also disputed a simple allergy claim, labeling it “pre-existing,” despite no record of prior symptoms. They later reduced the claim submission window from six months to just 90 days — a quiet policy change that makes it easy to disqualify claims. When I called about the steep price jumps, a representative told me, “Other dogs in your area had more claims, so everyone’s rates went up.” Routine care, vaccines, and tick medication aren’t covered, so you’re paying thousands for coverage that’s increasingly limited. The structure feels designed to collect premiums while discouraging actual use. If I had put the same $2,000 per year into a savings account or TFSA, I’d have nearly $12,000 set aside for vet bills instead of watching premiums rise every few months. Fetch’s model seems built to price out long-term customers — especially as pets age and are more likely to need care. It’s hard not to see this as predatory. Save yourself the stress and disappointment. Build your own vet fund instead. Fetch is not worth it. Oh and if you want to cancel, you have to wait until the last day of your policy or they cut you short. Hoping you will miss the 48 hour window by mistake so they can gauge you again! --------------------UPDATE-------------------- Thank you to Fetch for replying to my review. I appreciate that you took the time to respond, but unfortunately your explanation reinforces the core issue: customers like me are being priced out of coverage despite minimal usage, not because of our pets’ age or claims, but because of a business model that shifts collective costs onto loyal policyholders. To clarify: My dog Freddy is healthy, and in five years I submitted small claims (about $1,000 total) — which Fetch disputed as “pre-existing.” And all it does is go against your deductible. It's very hard to ever see any money. Despite this near-zero claim history, my quarterly premiums rose from $211.17 in 2020 to $602.71 in 2025, a 185% increase. I reduced my coverage from 90% with a $250 deductible to 70% with a $500 deductible just to stay insured — and within two quarters, rates shot back up anyway. I understand costs of veterinary care have increased. But a 185% premium hike for a healthy dog with virtually no claims is not a reflection of inflation or age — it’s an unsustainable business practice. Fetch’s own explanation that “other dogs in your area had more claims” makes this feel more like a community subsidy than individual insurance, where responsible pet owners end up footing the bill for others. Regarding the allergy claim, I would welcome a reassessment. However, that denial — combined with policy changes such as shortening the claim submission window from 6 months to 90 days — reflects a consistent pattern of tightening rules that disadvantage long-term customers. Over five years, I paid $7,676.83 in premiums and received $1,000 in reimbursement — a net loss of $6,676.83. I could have invested that same amount in a dedicated savings account or TFSA and been far better off. Fetch’s communication is polite, but the financial reality remains: the model doesn’t hold up for responsible owners who rarely claim. I stand by my warning to others — build your own vet fund instead.

Nadine was friendly and professional, answering all our questions and concerns comprehensively. Very happy with setting up coverage with Fetch....changing from another provider from whom we've received nothing but increases in policy prices!

Karley was very sweet and helpful in starting my insurance plan

Amanda was very informative and helpful. Fully explained options and and benefits as well as how billing system works. I switched from Trupanion and the services offered are beyond what they can offer.

Beware of all pet insurance , do your homework read everything. Every year your premiums will go up they will always say cause the increase cost of vet care in your postal code ..The more claims you make will definitely be calculated in your renewal premiums. When I first started out with pet insurance before they changed name to Fetch it changed everything.