Fetch Canada | Pet Insurance Review

We have been paying this provider for over 9 years. It went from $70 payments to $210 a month over the years. We calculated we have paid over $14,000. In our dogs 9th year, he started having issues. Several visits to the vet and zero reimbursement from Fetch. Also, with each visit comes a possible claim, and each claim has a $400 deductible. There is no winning. You are better off to take that money every month and put it in a separate account, then use it as needed. Bonus if your dog hardly gets sick, then you can use it as you see fit. Pet insurance is a total scam. Very disappointed. Waste of money, would not recommend.

The marketing on what Fetch covers is very misleading. I chose them as I thought I was getting my puppy premium coverage. 2 years later and many claims rejected with zero reimbursement, I have recalculated the math. Yearly you will have to pay approximately $1.2k in insurance and vet bills before they will cover emergencies and new health conditions. I recommend putting that $1.2k in a savings account yearly to cover your own pets issues as you see fit. Say your pet has $4k vet bill when they are 2 years old. You would have already paid $2.4K towards achieving the insurance requirements. Then they cover 80 percent of that. You are now paying at least $800 of that vet bill. So technically you paid $3200 of that $4k vet bill.

Our cat had a respiratory infection that initially only presented itself as a fever. When symptoms got worse, the vet thought we were dealing with a digestive blockage before referring us to an internal medicine specialist who diagnosed the condition. Fetch has been amazing at paying us back for everything although it did take a while for our first claim to be approved. We were really happy to have insurance though as we racked up a total of $4k in vet fees. It was a relief to know we didn't have to worry about coming up with the money for all our cat's treatments. I recommend Fetch to anyone who has pets - I think it's a must in todays' world.

The customer service was very helpful, speedy, and calm mannered.

Feeling completely scammed by Fetch right now. Our puppy had giardia when we adopted her from a rescue - before we had insurance. We got her treated and lab work confirmed it was resolved. Last week she was vomiting and the vet suspected an obstruction. Ordered x-rays which I felt confident approving because I thought I had insurance. Fetch just denied my claim because our dog had vomited in the last year. The two incidents having nothing to do with each other. I wish I was kidding. Vomiting in dogs happens all the time for so many possible reasons and is not a "condition". I'm going to find a better company who knows the actual definition of pre-existing condition. Updated: this is now resolved thanks to advocacy from my vet. If you're denied by Fetch, I recommend asking your vet to help. Not a great experience, but I did get reimbursed.