Fetch Canada | Pet Insurance Review

should be able to submit the claim at vets office at time of service and pay only what you owe like the dentist office pain in the neck to have to submit all this paperwork and wait.Other pet insurance companies do this why not Fetch

What I liked about Fetch so far is anytime I've phoned I was always able to talk to someone knowledgeable to help me understand my policy which I find very convoluted and confusing about what is covered and what isn't. They have also been very kind and courteous Understanding your policy is important so you know what you're actually responsible to pay for. The first 6 years I didn't use it much as our cat has been pretty healthy but lately she has had some issues that required some medical attention. Having said that there is some procedures that she needs done so it was nice to have a policy in place to help share the costs. Pet insurance can be quite expensive but so can an emergency trip to the vet. Pets are just like people and can have unexpected health issues at any time without warning. Sometimes you don't think about that when you first bring your new pet home. Fetch has been pretty good. Submit the claim form which goes in for a review and once it's completed and accepted you can have the money directly deposited into your account. The review time process is reasonable and you get constant updates as to the status of your claim. So far I'm pleased with the customer care and service they provide.

I was happy with Fetch when I first got it. It was affordable and I felt good knowing my dogs were covered. My dogs are (just turned) 4 and (almost) 3. Their premiums have doubled since I got them insured. They were insured since almost day 1 and prices have only gone up and up and up. They don't give any discount for adding a second pet and they are not simple to deal with when submitting a claim. They will try to relate ANYTHING to a pre-existing condition. My dog had a cough as a puppy and they tried to tell me her pink eye was pre-existing from the cough over a year prior. I had to fight to get $30 eye drops covered. The app glitches often and reimbursement is slow. I have contacted them already about all of these things and their response took weeks and was basically just excuses why. Including the area I live in, just like car insurance. So no matter how well I take care of my pet, if I live somewhere they deem more hazardous, they will charge me more. Like they assume if I live in a city I'm going to let my dogs play in traffic. When I first signed up they said the premium increased in accordance with yearly vet increases. This is so NOT the case. My insurance is so much now, that it would be cheaper to just pay their bills outright at the vet. Fetch does not provide more or better service for the price increases either. I would definitely do things differently next time. If my insurance continues on this trajectory I would have been WAY better off setting monthly money aside for any illness or emergencies they may have. Insurance is not affordable for the average person. It would be nice if a company that actually cared about pets' being well being existed in Canada. Right now it's just as cash grab tugging at our love for our pets.

Although the review process took a bit longer than my usual experience, what I did like is that Fetch continued to keep me updated by email or text to let me know the review is still in progress. I never needed to follow up with them.

I have had both my cats on insurance since they were just over a year old, and the rates were very reasonable! In the last year, I have had to make 1 claim for each of them, and I was extremely pleased that in both situations I did not encounter any difficulties or surprises! In both situations, the instructions about the documents I needed to provide were very clear, and I received all the money I expected back in both situations. I'm so glad I jumped on insurance while they were young, because this year one of my cats developed a very fast tooth infection that spread through her whole mouth, and required an extensive dental surgery (which involved a dental surgery that cost over $3,000). I was very pleased when I saw that literally everything pertaining to the surgery (including the diagnostics/tests they needed to run when the infection was discovered) all went toward my deductible and reimbursement. There was not a single surprise or item that wasn't covered and I got my expected 90% reimbursement (after deductible). Highly recommend getting your pets an insurance policy with Fetch as soon as you can! Please be aware that as your pet ages (and as you go making claims), your pet's premium will increase - one of my cat's premium went from $240 in 2022-2023, to $411 in 2023-2024 (after I made 1 $700 for him)... so we will see what happens to my other cat's premium after his year's dental surgery claim...