Fetch Canada | Pet Insurance Review

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 💖

Please, please trust me and do not use this company for pet insurance. While the fees are reasonable, the website is an actual pain in the butt to use. I sent invoices and all of my pets medical records, but my claims were denied because they kept saying the medical records were incomplete. I called, after having to search high and low for an actual phone number, and spoke to several agents who said, no everything you provided is sufficient, yet I keep getting emails that my claim is on hold because I'm missing documents. And then I find out that I can't even claim my actual visit anyway because my vet won't split out the vet visit for vaccinations, so I can't claim that either (not the fault of Fetch) however, very frustrated dealing with this company. Save your money and don't spend with this company, it's a complete waste of money.

Joshua Sabado, was very well versed in the policies of Fetch Pet Insurance and made it easy to understand. I was able to decide witch option was a better fit for me and my cat Edgar. Thanks Joshua