Fetch Canada | Pet Insurance Review

Amanda was very patient and informative

Amanda was very informative and made me feel at ease with policy questions I had prior to signing up. She was encouraging and supportive without being pushy. She was great!

I am beyond frustrated with Fetch Pet Insurance. After carefully reviewing my policy before purchasing, I was led to believe my dog would be covered as of the policy’s effective date (November 1, 2025). That turned out to be completely misleading. When I submitted my first-ever claim for a vet visit on November 10, 2025, Fetch denied it, citing a 15-day illness waiting period that was never clearly disclosed upfront and only emphasized after my claim was denied. They then stated that any illness diagnosed during this waiting period is automatically considered pre-existing, even if the pet had no prior history. Let that sink in, you pay premiums from day one, but illness coverage is essentially useless for the first 15 days and anything found during that time is permanently excluded. What makes this worse is the exhausting back-and-forth with representatives, inconsistent explanations, and the burden placed entirely on the customer to prove coverage — even when quoting their own policy language and page numbers. Reassessments are slow, communication is unclear, and the process feels intentionally designed to wear customers down. This experience has completely destroyed my trust. Insurance is supposed to provide peace of mind, not fine-print loopholes that leave responsible pet owners paying out of pocket after doing everything right. Strong warning to other pet owners: Any illness-related vet visit during the first 15 days will be denied and those conditions may be labeled “pre-existing” forever. Very disappointing. I regret choosing Fetch.

Amanda was wonderful. She made the process straightforward, organized, informative and had a delightful charm. Came off very warm and compassionate towards both me and my dog, Goose. Excellent customer service, all around.

Pricing and coverage are at point and flexible which gives you a choice on your monthly payments. Good coverage at a decent price point. Amanda Mello was helpful and explained the wellness package as well.