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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kirstens47

2/11/2022

WORST – STAY AWAY - I just adopted got a rescue. My dog had immediate diarrhea and I took her in immediately. My vet diagnosed it a food change issue -- obviously I rushed the new food. While I expected the meds wouldn't be covered, as it was a first visit. What I didn't expect was that a SYMPTOM - ie diarrhea - became a pre-existing condition NOT covered for the rest of her life. Diarrhea is NOT a disease as my vet pointed out -- it is a symptom that is associated with many serious medical diseases that would now NOT be covered. Tricky sons of ------. Needless to say after 2 months coverage I cancelled. Clearly they set the tone for finding any possible loop hole to NOT cover... Read More

Lisa

12/19/2021

Lousy...Not to be trusted...Increases without reasonable explanations, hidden documents such as the initial Policy Document that is not in file from 2012, changes to underwriting companies without notification

11/18/2021

Please be sure to read the reviews before falling for the #1 rating here. I've been with petplan for less than a year and its been a complete nightmare! Over 6 months for them to set up the stupid app that never worked. Every single claim they took about a month to process because they wanted me to send complete history of medical records each time I made a claim. And here's the worst part: they don't give a crap about privacy. One time I logged into my account and I could see the full name, full address, all the pet information including payouts made and credit card information of another member!! They did not contact the member to tell him they screwed it up. I contacted him and he had... Read More

masilmont

11/15/2021

Your plan sounded like the best when it was sold to us but this has turned out to be anything but the case. You say you cover diagnostic tests but fail to mention that only those tests that come back with a result indicating any issue are covered. Sometimes it takes two different tests to uncover an issue and your failure to cover any tests that might not highlight the issue is NOT the same as saying you cover diagnostic tests in general. Also, you indicate you cover holistic treatments like acupuncture and chiropractic care. It turns out these are also on the same thinking that it is not covered as routine care, but just if there is a NEW issue, not pre-existing. You say you... Read More

vasudev4468

11/2/2021

For No change in insured cover, deductible, No claims, if the premium gets double, without any specific reason, it's not worth throwing money. Reason being 6 yrs of age and Postal area and unexplained reasons, Sorry, STOP. When you talk to in person, cancelling a policy do not make any difference. Looks like by paying more premium, we are not covering health of Pet, but filling pockets of Executives for Profit making hefty Bonuses. Disgusting

Diana E

11/1/2021

I registered my healthy cat last year at age 3. No health issues at all. Monthly premium was $32.51. My annual renewal just came up, and I received an email stating that since Chloe had no claims and continues to be healthy (now age 4), that we are entitled to a 15% decrease in premiums for this year - which works out to $4.87 less, making my monthly payment $27.64. Great news! However, my monthly charge beginning October is actually $39.97…. What the heck! The difference between $27.64 and $39.97 is an increase of $12.33… or 45% increase! I’d give a zero% rating if I could. There is no where on the website to cancel the policy. You have to call. They do not send you a confirmation... Read More

Christian S

10/21/2021

Probably the worst business experience I've ever had. I had a claim approved and reimbursement issued in July 2021 for over $4,000.00 It's the end of October and I haven't received a cheque. I've inquired 10 times a month on the whereabouts and am told it's in the mail. I wouldn't trust this company at all if I were a new member, I'll be switching if and when the cheque arrives.

bctrader012

10/20/2021

I had this plan for 2 years. My plan renewal doubled and they told me it is because of my claims over the past 2 years which were modest. I will be switching companies. Their customer service people are clueless.

mcclelland.mj

10/18/2021

OMG, I am on the phone with Pet plan right now. After 2 years of no claims they have raised my monthly premium from 50.00 to over 80.00 per month. And now they are trying to tell me that with the present policy, if I do not change it has a cap on it and they will not be able to raise it over a certain amount. BUT she can not tell me what that percentage is and what the cap it. Unbelievable. Apparently many more claims in my area by other people with dogs that affect my rate. What a scam.

shawnjmitchell

10/14/2021

Crooks! STAY AWAY! I've been after them for a year to cancel my plan for my two dogs. They continued to withdraw payment for non-existing policies. Their customer service is THE WORST. You can email them all you want but they will never respond. I had to place a block on their account through my bank to stop them from withdrawing. Once, they withdrew about a total of $800 in one month in 3 separate random payments. Also none of the payments ever made sense and didn't reflect the premium. They still owe me money but I know I'll never get it back. I've never experienced such a scam in my whole life. We need better oversight and escalation for these type of scamming companies in Canada.