Fetch Canada | Pet Insurance Review

I have been a Fetch customer for about four years, after having to make a really tough decision for my cat that I never had to make again. All my pets are covered with 90 percent coverage, as I find it much easier to budget for the monthly premium than a surprise vet bill. While I haven't needed to use it for two of my pets, my cat Luna eats everything off the ground and has needed two linear foreign body removals and treatment for gastro upset. In total, this would have cost me about 10k over the last few years. The process for submitting the necessary paperwork is easy with the app, and they are very communicative with the status While the time between submission and decision can take a bit and that's a stressful time, they have always provided payment. I recommend them to all my friends and family who have pets.

I guess it’s not for everybody. We got our 11 month old rescue insured. Despite an email that noted only hip/leg issues would be declined within the first 6 months (this would be deemed “pre-existing”)… our first claim for a UTI (at least four months after getting her insured), they said it was pre-existing and denied the claim. This happened again with an ear infection. An eye infection (about a year into this) was finally accepted, but after the deductions, was almost negligible. It should be noted we provided the “soap notes” from the initial vet visit, which showed she was healthy. (We are family to the original owners who could not manage her). In the end, we cancelled the insurance and were rewarded with multiple offers to renew with no penalties! To us… this felt like a scam! Your mileage may vary!

Submitting a claim was easy enough, but wellness reimbursement is abysmally low and honestly probably not worth it. No vet has charged that little for either exams or vaccinations in decades.

Had a great experience, Kelsey answered my questions in detail.

Not happy with the process. It took over 2 weeks for Fetch to tell us they needed more documentation. This documentation had already been sent when we joined and we resent the information again. We received another automated message via email saying the claim review would take another 2 weeks. We still don’t know if it will or will not be approved. It’s not a very transparent process and support is just chatbots.