Fetch Canada | Pet Insurance Review


out of 5

Number of reviews 152

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 2.0
  • 1.9
  • 4.9
  • Count
  • 4
  • 21
  • 152

Updated: May 31, 2024

Fetch offers the most comprehensive pet insurance Get paid back up to 90% on unexpected vet bills Save $25 or more with quarterly or annual payments $1000 in online vet visits included at no extra cost Protecting 400,000+ dogs and cats (and counting) & rated ‘Excellent’ on Trustpilot Exam fees are included which saves you $50-$250 per sick visit Optional coverage for routine and preventive care. Fetch covers hereditary conditions at no extra cost Fetch covers injury and disease in every adult tooth – not just the canines Use any licensed vet in the U.S. or Canada Fetch covers what other providers charge extra for or don’t cover at all

out of 5

POSTED: | BY: Sandy MCcuaig

good experience

Submitting online through computer was quick efficient received my money back within 3 weeks The mobile app although good for communication and information tried submitting through the mobile app and wouldn't go through went through online through a desktop no problem

out of 5

POSTED: | BY: Richard


Once paperwork sent, they quietly got on with it. Could have been quicker but I can’t fault them. Recommended.

out of 5

POSTED: | BY: Nikki Terry

Great Service

My experience today was great with Fetch, as always. They have been taking care of my fur babies for 7 years approximately. Ananda and Kelsey provided extremely efficient, friendly, knowledgeable and patient service, as I had many questions and changes to make. Highly recommend this company and thanks lafies for all your help today. It was fabulous talking with you. Great job 👏

out of 5

POSTED: | BY: Emil Mihaileanu

Extremely expensive!

The dog's insurance premium is over twice the SUV I drive! Started with $50/month 4 years ago. Now it is #130/month. EVERY YEAR THE PREMIUM WENT UP 30-60% MORE THAN LAST TIME. Compared to previous years: - after the 1st year it went up 24.27% - after the 2nd year it went up 43.46% - after the 3rd year it went down 5.07% - after the 4rd year it went up 55.00% It is impossible to get a claim done in one shot and it takes 1-2 month of back and forth with them requesting documents over documents. There is no option to upgrade the policy, only to downgrade or change the deductible. If you need to upgrade you pay a totally different premium and you are not covered for some procedures unless the policy was with them since the dog was a puppy! Very inflexible!

out of 5

POSTED: | BY: Tia Thompson


Hi everyone, I took out my first ever pet insurance coverage plan in January this year for my (then) 2-year-old GoldenDoodle. He's up to date on everything, clean bill of health etc. So, he starts itching a lot about 6 weeks ago. I take him to his new vet. She suspects he has seasonal allergies and says "Let's try him on meds until November. When allergy season rolls around again next year, if he starts scratching again, we'll know it's likely allergies..." Ok, fine. I buy the meds. I go to make a claim on Fetch. First ever claim. They send me an email today denying the claim on the premise of 'Pre-Existing Condition." Excuse me? No. When I call to ask "What the heck...?!" I'm told that "Well, the vet you saw a year ago wrote a note saying he scratched himself 3 times during his wellness check and that she thinks it might be allergies....." I reply that the vet back then asked me if he was itching a lot and I answered "No. No more than what would be considered normal dog behaviour." And that she had said "Well, if you ever want to, there are allergy tests you can do down the track etc." That's it. The receipt from that visit outlines his vaccines, visit fee, heartworm/tick/flea preventatives and off we go. No issues since. It was only 6 weeks ago that he itched a lot and I got him checked out. What gets me is insurance companies can play these little loopholes where something just needs to be discussed during a visit, in this case he scratched himself, and in insurance companies eyes, they can use it to get out of paying a claim later down the track by claiming it as a 'pre-existing condition'. Nothing officially diagnosed. You only need to have your dog do something or have a symptom that could potentially point to a condition and it becomes classified under 'pre-existing'. So, does this mean that, because he scratched himself a year ago and a vet saw it, he is now excluded for other conditions itchiness may point to? Because it's potentially a symptom of x number of conditions? Flipped the other way, if I were to submit a claim for....oh I dunno, treatment for blindness for my dog because my vet saw him bump into another dog and made a note "He kept bumping into other dogs, symptom of failing eyesight?" Shouldn't I be able to make a claim for treatment for failing eyesight? Because I guarantee the insurance would deny that claim based on the fact that he has never been officially diagnosed with failing eyesight. Even though the vet made a note concerned about his vision. But.....they can claim he has a pre-existing condition based on a potential symptom a vet observed a year ago. Funny how everything is in their favour. Anyway, long rant. Avoid Fetch. They'll play all the regular dirty insurance tricks to not pay claims.

Monthly Cost

Plans average $35/month for dogs and $25 /month for cats


You choose a reimbursement level of 70%, 80% or 90% after your deductible.

Payout Limits

Annual limit of $5,000, $10,000 or unlimited depending on your chosen plan.


$250, $300 and $500

Age Limits

Fetch doesn’t enforce upper age limits, so you can enroll your pet any time after it turns six weeks old. Some providers limit coverage for older pets to accident-only. Fetch doesn’t limit coverage by age so that you can get the right care for your buddy, no matter what.

Waiting Period

Fetch’s waiting periods are up to 15 days for accidents and illnesses and six months for orthopedic events.


Fetch won’t cover pre-existing conditions, cosmetic procedures, boarding costs, breeding costs, wellness care items, or accidents and illnesses that occur during waiting periods.
Fetch Pet Insurance brings together insurance industry expertise and the animal-loving sensibility of The Dodo. It’s the only pet insurance recommended by the #1 animal brand in the world, The Dodo

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