Fetch Canada | Pet Insurance Review

After posting my original 1 star review (left in tact below), the company responded with the contact number to discuss with an agent and it appears the error will be corrected. Other than this instance, the rest of my experience with Fetch has been very good so I am changing my rating. [ORIGINAL POST: June 9 /2025 TITLE: Bots limited service. Inconsistent application of policies for checking invoices claimed. BODY Appears to be run by bots which is fine if everything goes smoothly, but not good when it doesn't. Good luck trying to find a person of phone number to handle errors. The system was quick to remove uncovered veterinary prescribed food on one invoice (which is fine), but then failed to remove the refund for same food from the next invoice claimed. Ridiculous. ]

I’ve been with this company for over 4 years, paying premiums faithfully every month to ensure my dog was covered in case of health issues. Like many pet owners, I got insurance to help during emergencies—not to be punished for actually using it. Over the years, my dog developed health conditions (which is exactly why we get insurance), and I submitted claims when needed. Now, I’m being hit with a massive premium increase—from $83 to over $128 a month—because I used the insurance I paid for. Disgusting. What makes it worse is that no other provider will take on my dog now due to pre-existing conditions, so I’m stuck with this company that clearly doesn’t care about animals or loyal customers. It’s a trap, and it feels like a scam. I now have to consider a second job just to afford this nonsense. This company claims to care about pets, but in my experience, they only care about profit. Please do your research and think twice before signing up. Once you're in, they know you have no way out—and they take full advantage of that.

Amanda was so helpful and friendly after the previous people I spoke to suggested they couldn’t help me change my policy and I would be stuck with something that wouldn’t work for my dog. Amanda talked me through my options and explained them all. Although I had to cancel my preexisting policy, I was able to update to something that wouldn’t ultimately work better for me and my dog.

I researched several pet insurance companies and plans but I found Fetch to be the easiest to navigate. I have been dealing with Josh Sabado as my go to agent and he couldn't have been more helpful and informative. I received an immediate answer, be it by mail or phone, to all of my queries. I have to assume that when I need assistance it will be just as efficient.

If you are in Canada DO NOT BUY THIS INSURANCE! My Bill is never the same, they charge in U.S. dollars and convert to Canadian so that "rate" you are quoted is BS. Also, (at least from Canada) I could not see a breakdown of my Bill, I just had to "trust" that everything was okay. Some months my Bill would be $90, others it would be $120. I also was Never given a copy of my agreement. Don't do it!