Fetch Canada Pet Insurance Review

Item: Fetch Canada Pet Insurance
Rating: 4.8
Author: ConsumersAdvocate

ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)

122 Customer Comments & Reviews - see all comments

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Fetch is a leading provider of pet insurance in Canada and is a company dedicated to helping pet owners keep the costs of pet treatments under control. Fetch's standard plan covers new illnesses and accidents without restrictions for hereditary or congenital conditions. The company also provides a wide range of treatment options that would typically not be available in other companies' standard offers. Medications, diagnostic testing, non-preventative dental treatments, MRI, CAT Scan and ultrasound are all offered as standard as well. What's more, Fetch does not place any restrictions on older animals. Senior pets have access to the same coverage limits and deductibles as younger ones.

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Fetch Canada Snapshot:

Fetch offers a fully customizable plan with annual limits of $2,500 to UNLIMITED. There are no lifetime or per-condition limits, and no age limits after your pet turns 6 weeks. You are also able to choose to apply your deductible on an annual or per-condition basis. Other notable features of Fetch plans include:

You can use any vet in the US or Canada
70%, 80%, and 90% reimbursement options that are based on the veterinarian's actual bill.
Covers medications, advanced testing, and hospital stays.
Non-routine exam fees are covered, this includes emergency and specialist hospitals.
Covers medications, imaging, ultrasound, and other diagnostic testing
Most comprehensive coverage of dental injury and treatment of periodontal disease for all teeth.
File a claim online in minutes
AARP exclusive pet insurance provider.

Plan details

Type of contract	12 Months
Claim limit	Maximum annual payout $2,500 to UNLIMITED coverage
Deductible	$100 to $500
Claims and policy price	NO increase in premiums due to claims made
Enrollment age	6 weeks and up
Waiting period	Injuries: 5 days / Illnesses: 15 days
Out of country coverage	US & Canada only
Age limit	None
Age Caveat	Pets six (6) years or older at the time of initial enrollment will be required to have a veterinary exam within thirty (30) days of the policy inception date.

Further Details:

Fetch policies reimburse you on the actual amount of each veterinary bill minus the deductible and up to the chosen policy limit. Deductibles reset each year when the plan is renewed and can be applied on an annual or per-condition basis. Fetch is licensed in all provinces in Canada with the exception of Quebec and New Brunswick, and is underwritten by XL Specialty, an international insurance carrier with an extensive global presence and a S&P rating of A+.

Coverage Details

STANDARD COVERAGE
Dogs and Cats	Yes
Accidents and Injuries	Yes
Illnesses	Yes
Non-routine vet exams, including ER and specialists	Yes
MRI, ultrasound, CT Scans	Yes
Diagnostic Treatment	Yes
Prescriptions & Nutraceuticals	Yes
Dental (injuries and periodontal disease)	Yes
Surgery/rehab	Yes
Cancer	Yes
Acupuncture, stem cell, hydrotherapy, holistic treatments	Yes
ANCILLARY COVERAGE (plans w/annual coverage of $15,000 or more)
Behavioral Conditions	Yes
Lost pet advertising and reward	Yes
Boarding fees	Yes
Loss due to theft or straying	Yes
Death from covered illness/injury	Yes
Vacation cancellation	Yes

What’s not covered?

Pre-existing conditions when clinical signs were showing prior to the effective date of during the waiting period.
Routine Care
Vaccines
Pregnancy - Limited Coverage

Summary

Fetch provides a good mix of coverage and benefit options that makes it a solid choice if you are looking for pet insurance in Canada. Filing a claim is easy and claims are typically reimbursed within a couple of days. The company also features a number of discount options that can help pet owners make pet insurance more affordable. AARP members, Walmart shoppers, and pet parents who adopt can save on premiums, subject to approval. Fetch pretty much covers all the standard items you'd be looking for in a pet insurance provider and more. The fact that older animals are not discriminated against is a big plus, and 24/7 support, comprehensive coverage including payment of the veterinary exam fees, and great customer service are all nothing to sneeze at as well.

122 Customer Comments & Reviews

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Julie

10/8/2018

I would never use PetPlan again, it was the best option when I first researched. However, after the first year with no claims went up by $15 per month, after second year with no claims went up by another $32 per month! Don't get taken in....look elsewhere

laura

10/1/2018

My dog got super sick and needed blood work, ultrasound, x-ray, everything. We couldn't figure out what was wrong. After everything we spent around $2000 and were eagerly awaiting a cheque in the mail, when we got it, we were shocked. $0. Nothing. It was so stressful financially for us especially considering I was already paying a large monthly fee for this insurance. They said it was because it was a preexisting condition....why? Because my dog has previously been to the vet for vomiting...so if your dog has ever ever vomited before and been to the vet for it, forget about it, you won't get anything back. Scam.

M W

9/30/2018

Beware the annual policy increase. We're going into our third year of a policy with PetPlan and the rates went up significantly. I was expecting an increase, but not this much and given that we still have to pay a deductible, I don't know if we'll be continuing with PetPlan. We've made a few claims with the policy, all for small items, and it did take a very long time to be reimbursed. Once, they had the wrong file entirely and had I not followed-up, they would likely never have paid us. I was expecting better, but they are like any other insurance company at the end of the day.

Rose B

8/7/2018

Worse service I have seen... I having paying this insurance for the last 2 years. Started with Pc and now sold for another company. Trying to contact for cancel the service for the last 2 months. Nobody are available in the all Province of Ontario to cancel my apolice. Had to cancel my Visa to stop the payment 😡😡😡😡😡😡😡 Not recommended this insurance for nobody they want just take your money

carlos

8/6/2018

This PetPlan insurance is not worth it...you will pay thousands more than you can ever recover. Many obstacles and headaches to make a claim, all intended to frustrate the consumer. Do not waste your time or energy.

Brittany S

7/25/2018

My dog has had diarrhea and vomiting a few times in her short 9 month life. When she was 8 weeks old, she went to the vet because she had these symptoms, in December 2018. In January I signed up with petplan. Mothers day 2019 my dog was so sick she nearly passed away at the emergency hospital. In order to save her, the bill was outrageous. But it's ok because we have pet insurance. They will cover it, right? WRONG. NOT PET PLAN. Because she has had vomiting and diarrhea, when she was 8 WEEKS OLD, from getting in the garbage, she will never, I repeat, never. Ever. Be covered for those symptoms again. Never. Its preexisting now. When my dog is sick, she throws up. Telling me something is... Read More

Toly V

7/25/2018

The worst insurance company Ive every worked with. They always find loopholes in their terms & policies not to cover your vet expenses. I've been with them for 6 months now. I took my dog to a vet for different reasons a few times. PetPlan denied all claims. $0 paid back

Michael F

7/18/2018

I agree with the majority of the reviewers that Petplan is a rip-off. I had it for my first dog who had iBD requiring more frequent blood tests and antibiotics than usual. It was covered but premiums kept going up to over $200 per month. Later he had a bowel obstruction and then at 12 developed cancer. They did cover all the costs, subject to a deductible which ended up being about $500/ year and then they reduced the payable amount to 50%, (50% co-pay) all the while raising premiums. For my next pup I switched to OSPCA Insurance and had a much better experience. this pup has epilepsy and is on a slew of medications all of which is covered and I pay about $90 per month. No problem... Read More

Deb

7/16/2018

I was very pleased with Maddie’s policy but received my renewal letter only to find out they increased it. Maddie is 2 1/2 and I have never made a claim. Someone is getting rich off of pet owners, no one told me that the policy would increase every year for no reason. i’m So disappointed with this company and will be cancelling Maddie’s policy.

Michelle

7/14/2018

Although my premium went up after the change in Petplan’s underwriters, I am very pleased with them. Their customer service is great and they go out of their way to help and keep me informed as to what is happening with my claims, etc. I have used Petplan twice during emergencies and they have rushed the pre-authorization through so the emergency specialty vets could get to work. Claims are paid in an expedient manner with Canadian funds through a local Canadian bank. The plan asks that you take your pet in for an annual visit which is something that should be done anyway. I highly recommend Petplan. They are worth the money!