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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Janice

1/19/2019

I enrolled the Petplan in Oct, 2017. My monthly insurance policy is $83.2 at that time. Started from Oct, 2018, they increased my monthly policy by $21.70 without any reason. And they didn't give me any notification. When I asked them, they said it maybe in my Junk mail. I checked my junk mail box and didn't find it. I only had two small claims in the year. I made a claim on Oct 30, 2018 and I didn't receive any cheques until I talked to them on Dec 28, 2018. I received the cheque in Jan, 2019 finally. I made the second claim in Nov, 2018. They have not processed it yet. They said the doctor didn't send them any medical records. But my doctor sent us an email to confirm that the record... Read More

Doreen s

1/18/2019

Petplan So I’ve had my 2 dogs with pet plan, part of fetch Insurance Services, LLC . , for almost 5 years. My dogs are now 12 and almost 8. I pay approx 50$ with a deductible of 400$ per condition for the youngest and 100$ with a 500$ deductible for the oldest. I had to get a higher deductible in order for the prices not to jump like crazy over the years. In June my oldest got diagnosed with cushings. I took him to my vet and a holistic vet and had spent about 2500$ at this point on care. I put my regular vet claims in during sept. And after a few weeks I checked and they said they hadn’t received the vets records. So I get Vet office to fax them again and told them I had not had him... Read More

ejm

1/16/2019

complete waste of money...took months to respond...and amount awarded was a joke considering how much i have paid into scheme

Marisa D

1/2/2019

Sorry to say I had to cancel my policy with this company. I submitted 2 claims and did not get a response from them. When pressed they asked for the moon. Even after I sent them information, never heard from them. Is there a company for pet insurance that is honest and worth the money paid into it????

vattisano

12/12/2018

Waste of money. I have sent in many claims and they continually find excuses not to pay. In four years they have refused all claims, even new treatments and I have not been reimbursed $1 in four years. My most recent 3 submissions they ask for the following. "Updated medical records and lab work results from ALL treating veterinarians that have seen dog from 12/2016 to 11/2018" They have this information as I spent many hours during the last refused claim obtaining this information. Very disappointed and feel like I have been taken advantage of. If 0 was an option that would be my rating.

Serge

12/7/2018

They increased my dog police price by 50% after one year of coverage with no claims. DO NOT RECOMMEND THEM AT ALL.

Sharon T

11/21/2018

I took out a Petplan policy on my dog last year when he was a puppy. I wasn't sure if it would be worthwhile and had serious doubts, but thought I would wait one year and reassess at renewal. I just received the policy renewal letter., and after zero claims, they want to increase my pet's premiums by over 20% in one year. The dog is not even 2 years old, and is not a purebred. The lady I spoke to when I called to cancel the renewal told me that since he is so young, this would be the absolute minimum yearly increase that I could expect. There is no information on the certain annual increases that you will see on these ridiculous policies anywhere on their website, but unless you are... Read More

M W

10/30/2018

Just learned that PetPlan charges $3/month for processing ON TOP of the already pricey premiums they raise annually. They just started putting this on the website, but having been accumulating the fees all along without telling their customers. Beware!

nadine

10/17/2018

Pet Plan hardly paid for anything in the last 2 yrs. Had my dog in for his initial visit when I got him as asked. Clean bill of health. Later (before coverage) took him in for dandruff. My dog is a rescue so figured it was new subscribed vet food or that fact that he never really when outside and had some adjustment. A while after coverage kicked in took him in due to the fact that he started really scratching and chewing his feet. It ended up being allergies. They decided that since he had dandruff then he had allergies. Even though he didn't show signs at that time. The initial bill was 1200 and now I pay 300 ever 3-months for allergy serum and 68.00 month for anti itch needle. Then... Read More

Pranali G

10/16/2018

Petplan is the worst. My dog got a UTI recently. Petplan said since I didn't get a UTI test done before, my dog's current UTI will not be covered. My questions is : Is someone suppose to get a costly test done for every probable disease before buying a plan? sounds ridiculous to me.