Fetch Canada | Pet Insurance Review

We have been with Fetch for both of our dogs for 3 (younger) or 4 (older) years. The premiums have been ticking up annually, but usually manageably. In 2023, they decided to introduce something they have called a "claims surcharge" - essentially a penalty for having used your insurance. It took months of talking to tens of customer service people to figure it out, but we ultimately found out that there are 10%, 20% and 30% penalty tiers based on how many years you have been reimbursed over $250 for. We were in the 20% camp. With a 6 year old dog, 20% of our premium in surcharge is A LOT of money - more money than we were willing to pay on top of the already-sizeable annual premium increase. We were also told that it would take 3 years of claims under $250 to be reduced to the 10% penalty camp. This whole thing seems SUPER SHADY and we have cancelled and are taking our chances with a new insurance company as we can't keep paying hundreds of dollars per month only to get slapped with a "claims surcharge" for ever using the insurance we pay so much for. Hard nope. Do not recommend.

Excellent company to deal with. Very helpful and accommodating. Very pleasant representatives to speak with.

Excellent customer service, response to claim and payout is immediate and efficient.

They raised the rate 23% after the first year for a healthy puppy! Gross!! I spoke with a rep and was informed that if you put in claims, the rate goes up. We looked over mine and she agreed that the dental preventative (removed 11 teeth from a teacup poodle during her spay b/c she's so little and we don't want to put her to sleep for dental work regularly) contributed to the increase even though it was a one off. I asked her to have the underwriters review the notes more clearly and she said it's impossible. They will never review again (so human error means nothing to them). Don't use Fetch - with annual increases this high -won't be worth it in a few years. UPDATE Fetch did get in touch after a few days but it's been a colossal waste of time. I was told that they'd try to get the underwriters to review the policy (and look more closely at the notes as they'd incorrectly deemed my pet has conditions she does not) but couldn't promise anything and alas, they wouldn't review it. So Fetch doesn't take their errors into consideration. Fetch rebranded - they used to be called PETPLAN. Read those reviews to get a more accurate picture of the company, their integrity (lack of), and service before deciding on this company.

Terrible scam! I have 3 dogs and got it for all. Denied claims 🙄 100.00 back on a $300 bill how is that 80% The only thing that was easy was canceling however we will see if my payment still comes out. Scam don't be fooled!