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Easy enrollment process
Great enrollment process … easy to understand and quick
Insurer: MetLife
By: Joanne
5 Years of Rising Costs and Broken Trust
After five years with Fetch Pet Insurance, I can honestly say I would not recommend them to anyone. What started as a fair, reassuring policy for our dog, turned into an overpriced, frustrating experience filled with premium hikes, reduced coverage, and denied claims. When I enrolled in late 2020, my policy offered 90% reimbursement with a $250 deductible for $211.17 per quarter. By 2025, that same plan ballooned to $602.71 per quarter / $2411 Annual — a 185% increase — despite me barely using the insurance. Over the five years, I paid $7,676.83 in premiums and received only about $1,000 in reimbursements. That’s a net loss of roughly $6,600, even after lowering my coverage to 70% reimbursement with a $500 deductible in an effort to keep premiums affordable. Within two quarters of reducing coverage, Fetch raised the rate back up anyway. The company also disputed a simple allergy claim, labeling it “pre-existing,” despite no record of prior symptoms. They later reduced the claim submission window from six months to just 90 days — a quiet policy change that makes it easy to disqualify claims. When I called about the steep price jumps, a representative told me, “Other dogs in your area had more claims, so everyone’s rates went up.” Routine care, vaccines, and tick medication aren’t covered, so you’re paying thousands for coverage that’s increasingly limited. The structure feels designed to collect premiums while discouraging actual use. If I had put the same $2,000 per year into a savings account or TFSA, I’d have nearly $12,000 set aside for vet bills instead of watching premiums rise every few months. Fetch’s model seems built to price out long-term customers — especially as pets age and are more likely to need care. It’s hard not to see this as predatory. Save yourself the stress and disappointment. Build your own vet fund instead. Fetch is not worth it. Oh and if you want to cancel, you have to wait until the last day of your policy or they cut you short. Hoping you will miss the 48 hour window by mistake so they can gauge you again! --------------------UPDATE-------------------- Thank you to Fetch for replying to my review. I appreciate that you took the time to respond, but unfortunately your explanation reinforces the core issue: customers like me are being priced out of coverage despite minimal usage, not because of our pets’ age or claims, but because of a business model that shifts collective costs onto loyal policyholders. To clarify: My dog Freddy is healthy, and in five years I submitted small claims (about $1,000 total) — which Fetch disputed as “pre-existing.” And all it does is go against your deductible. It's very hard to ever see any money. Despite this near-zero claim history, my quarterly premiums rose from $211.17 in 2020 to $602.71 in 2025, a 185% increase. I reduced my coverage from 90% with a $250 deductible to 70% with a $500 deductible just to stay insured — and within two quarters, rates shot back up anyway. I understand costs of veterinary care have increased. But a 185% premium hike for a healthy dog with virtually no claims is not a reflection of inflation or age — it’s an unsustainable business practice. Fetch’s own explanation that “other dogs in your area had more claims” makes this feel more like a community subsidy than individual insurance, where responsible pet owners end up footing the bill for others. Regarding the allergy claim, I would welcome a reassessment. However, that denial — combined with policy changes such as shortening the claim submission window from 6 months to 90 days — reflects a consistent pattern of tightening rules that disadvantage long-term customers. Over five years, I paid $7,676.83 in premiums and received $1,000 in reimbursement — a net loss of $6,676.83. I could have invested that same amount in a dedicated savings account or TFSA and been far better off. Fetch’s communication is polite, but the financial reality remains: the model doesn’t hold up for responsible owners who rarely claim. I stand by my warning to others — build your own vet fund instead.
Insurer: Fetch Canada
By: Kyle
Very good experience.
Very good experience.
Insurer: Nationwide
By: customer
Straight forward application that was a Breeze.
Straight forward application that was easy and intuitive to complete
Insurer: Nationwide
By: Steven P
Love our pet insurance
After losing my beloved dog Max to lymphoma cancer, we decided after getting a new puppy named Poppi, that we would get pet insurance so should we ever face a life and death diagnosis again it would help make our decisions easier. We chose this company after taking to another pet owner during Max's surgery when she told us how wonderful Pets Best insurance is. She was right so far we are very pleased they have covered our new puppy's care. We did purchase their best well care program through Pets Best
Terrible service, money wasted
They never pay claims, they always find a way to avoid it. It's the worst service I know; paying for this is practically a charity.
Excellent service to get started
The representative I spoke to was very helpful. Answered all my questions and pointed me in the right direction. Very simple process. I hope our pet never needs the insurance, but we are grateful that she now has it, just in case.
Insurer: Prudent Pet
By: John Hlas
It was very easy.
It was very easy.
Insurer: Nationwide
By: Patricia Young
I have been with Trupanion since 2010
I have been with Trupanion since 2010! Rusty is my 3rd pet I’m insured with. My baby has heart disease and Trupanion is always by my side. I recommend it to every pet owner. I don’t particularly like the increases in my monthly payments cuz I’m not working but they always do the right thing for me and my fur baby! With insurance I can always do the right thing for my pet, my baby. I never question taking him to veterinarian because I’m confident Trupanion will be with me! I Highly recommend Trupanion pet insurance company for all pets!
Insurer: Trupanion
By: Anet