Fetch Canada | Pet Insurance Review


out of 5

Number of reviews 139

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.1
  • 1.6
  • 4.9
  • Count
  • 7
  • 25
  • 139

Updated: November 13, 2023

Fetch offers the most comprehensive pet insurance Get paid back up to 90% on unexpected vet bills Save $25 or more with quarterly or annual payments $1000 in online vet visits included at no extra cost Protecting 370,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot Exam fees are included which saves you $50-$250 per sick visit No enrollment fee – cancel anytime. Fetch covers hereditary conditions at no extra cost Fetch covers injury and disease in every adult tooth – not just the canines Use any licensed vet in the U.S. or Canada Fetch covers what other providers charge extra for or don’t cover at all

out of 5

POSTED: | BY: kim dixon

I like the ease of use on your app

I like the ease of use on your app. I’m happy to know my pups are able to get the care and compassion they need and deserve knowing I have coverage.

out of 5

POSTED: | BY: Shelby Wright

Fetch is amazing!!

I have a very accident prone lab who this year alone has cost me $10,000 in miscellaneous that bills. Fetch has been completely hassle free, has approved all of my submissions without question, and gives me peace of mind knowing I can get my dog, the proper care he needs, without worrying about the cost. I highly recommend fetch!!

out of 5

POSTED: | BY: Lori Chang-Shivji

Simple and straightforward process for claims

Submitting claims is super easy and the follow up communication until we received our reimbursement kept us updated with the process.

out of 5

POSTED: | BY: Andy

Getting better

Waited for auto deposit get set up but it took too long my claim became denied. Processing times are horrible.

out of 5


I wish I had shopped around more…

I wish I had shopped around more and read more reviews when choosing a pet insurance company for my puppy. When I joined, this was called Pet Plan. Maybe I joined right before the transition to fetch but there was no website to use, only an app that never worked. For about a year the app didn't work. Now it seems ok but its the hugest pain to submit a claim because they don't just accept the straightforward invoice that other companies want...no, no, no, this company wants you to send the vet notes and all of the documents from all of the previous visits before they take their sweet time to process the claim. I mean the longest processing time I've ever experienced. Oh and if you're in Canada, they can figure out how to take your money directly out of your bank account, but not how to deposit it there once you finally see some money back. So they mail you a cheque in the mail!! Also, every single year, my premiums have gone up about $10 per month!! So if you think you're getting a deal with the initial quote, think again!! I just got my renewal letter for the coming year. The premiums are going up to over $60/month when I've been paying $45 per month; this is AFTER I halved my coverage last year because the monthly payments keep going crazy high upon renewal. Don't forget, with these pet insurance companies, if your puppy ever gets something like an ear infection, good luck changing to another insurance company because that's called "pre-existing condition" and that will not be covered going forward. The other thing I'd like to mention here is the fact that one day I looked into my account and could see all of the personal information of another person! Names, addresses, phone number, all pet information and history and even some payment information. I immediately contacted Fetch and they acted like this total breach of private information was no big deal! I personally contacted the person to tell them what had happened and this company didn't even tell them it had happened! I take great issue with that and so should you. I feel stuck using them now since my pup has had a few claims. I think it would be better to take the money I'm paying in premiums and put it in an account for a day I might really need it for my pup instead. Funny how the company reached out to me after I left this honest review, but has never tried to resolve anything when I call them.

Monthly Cost

Plans average $35/month for dogs and $25 /month for cats


You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.


$250, $300 and $500

Age Limits

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Waiting Period

Fetch’s waiting periods are 15 days for accidents and illnesses and six months for orthopedic events.


Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.
Fetch by The Dodo brings together insurance industry expertise and the animal-loving sensibility of The Dodo. It’s the only pet insurance recommended by the #1 animal brand in the world, The Dodo

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