Fetch Canada | Pet Insurance Review

Amanda was fantastic, she made signing up for pet insurance quick and easy. Her friendly expertise put me at ease, and I’m confident my pet is in good hands. Highly recommend her service!

What I find disturbing is my pup got insurance with fetch my pup was 8 weeks old and was told it will be $150 a month my sister also signed up and her play was $56 I called and was told it is because of her postal code we live 10 minutes away from each other so that makes absolutely no sense. So today a payment was due and they tried to take twice the amount that was her plan price. I will be canceling Maizie’s policy tomorrow along with my sister as she said the same thing. My vet said it is better to just save the money and if we don’t use it then we won’t be wasting money. Smart vet

We chose Fetch because it promised peace of mind. For years, we paid our premiums without issue. But after our dog was diagnosed with a chronic condition and we submitted a large claim, our coverage was downgraded at renewal—with no option to keep the plan we originally signed up for, even if we were willing to pay more. Now we’re left trying to afford ongoing medical care for a condition we assumed would be covered for the life of our pet. We can’t switch insurers because of pre-existing condition exclusions, so we’re essentially trapped with reduced coverage and rising costs. Fetch may offer decent coverage when your pet is healthy—but if your dog actually needs long-term care, don’t assume your plan will stay the same. I would advise anyone considering them to read the fine print carefully and ask specific questions about how renewal decisions are made.

Update: Thank you for responding, Fetch. I’ve followed up via email, as I’m documenting this issue for a formal complaint. I’ve also submitted a PIPEDA request to better understand how this decision was made. I’ll continue to update this review based on how the situation unfolds. At the time of this update, I have not been offered any option to restore my original coverage—even with increased premiums. I’m hoping for transparency and a fair resolution, especially as a long-standing customer managing a chronic illness. Original post: I’ve been a Fetch customer for several years. Our dog was recently diagnosed with a chronic condition, and shortly after filing a claim, I was informed that our reimbursement rate would be reduced from 80% to 60% at renewal. I was not given the option to maintain or upgrade the coverage—even at a higher premium. This feels particularly unfair, especially as we now depend more than ever on consistent reimbursement for ongoing treatment. It also appears that this downgrade was triggered by higher claim use, which raises serious concerns about how long-term customers are treated once their pets become expensive to insure. I’ve submitted a formal complaint to Fetch and am currently gathering stories from other policyholders to determine whether this is an isolated experience or part of a broader pattern. I hope to see better transparency and support from Fetch moving forward.

I spoke with Amanda H. about my current pet insurance for my dog and she gave me wonderful answers and recommendations. We spoke about options and then got a bit personal about my recent loss of a pet. Amanda was so caring and genuine in speaking with me, giving me love and grace and I truly felt like I was talking to a friend. It honestly made me tear up saying goodbye to her. Thank you for being so caring to me and my sweet fur babies 💖