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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Tallash C

10/4/2023

My premiums have increased every year, last year it was 20% and this year 50%. I was told this year's increase was due to the cost of treating mixed breed dogs in my area going up. I wonder if my premiums will come down next year if those mixed breed dogs start living a healthier lifestyle and don't require as much care??? I suspect instead there will be another increase for some stat that is based on flimsy data. It seems like a pretty good strategy, get 5 years of premiums, then jack up the prices so high that people cancel and Fetch doesn't have to payout claims on aging dogs. Well played Fetch! I have cancelled my policy and will put the money i was paying for my premium in... Read More

mateo.slo3

8/13/2023

My premium has almost doubled with no explanation. Unethical and unreliable. Research others and don’t fall for whatever you read about affordability.

seasnskies

7/31/2023

Found out when I went to make my first claim ever in 7 years, (been with this company since my basset was a baby,) that I had to pay a separate deductible for each condition. My dog had a surgery to remove some lumps and some dental work done at the same time in order to be cost-effective. I had to pay a separate deductible for the dental work and a separate deductible for the surgery. What a racket that is! Since my dog had this procedures which came up with NO negative results, my premium has gone up $40 a month! What a joke! I am planning to cancel soon. The thousands of dollars we have already spent on premiums, and we had to fight tooth and nail to make one claim. I recommend going... Read More

olivia

7/16/2023

Very poor customer service and slow communication. I feel as if this company is very sneaky. Had an unauthorized charge on my card. Canceling my policy with them was the best decision I made and I really regret not choosing another company instead from the start.

alwayspositiveck

5/17/2023

(In Canada) Fetch by the Dodo (previously known as Petplan) is an unethical, untrustworthy and horrible company. For someone who is planning to enroll pet insurance, it’s better to avoid this company. I enrolled the pet insurance for my dog aged 3 months in 2021. At that moment, there was no medical check up report request but I was asked for it when I submitted a claim after 4 months because my dog got diarrhea. I felt upset and frustrated as there was no point to get a medical check up report after a vet visit with spending additional $200 for claiming $150. The most ridiculous point was that a medical report was not required when the pet insurance was enrolled. But you will be asked... Read More

patsaito9

1/6/2023

Awful rates. Go up significantly annually. Mine for one dog is now $170 a month..would never recommend..claims are cumbersome to make and slow to reimburse. Would give a zero if I could.

ally.noor

12/28/2022

They are incredibly difficult to work with. There customer service can’t answer questions about my coverage despite buying insurance before I got my dog as a pup. They use a script that’s no different than speaking with a chatbot or an automated voice recording. When you submit a claim they keep asking for more information such as the entire medical history of my dog from his vet every time. Then after submitting what I was given by the vet they still say it’s not enough details. Why don’t they just allow vets to easily submit the claims so they can work with them directly to get the information they need. I would advise anyone looking to get insurance from them to reconsider... Read More

duckyproulx

12/22/2022

Sounds like great insurance but it also says use any vet in the US or Canada but it doesn't cover Québec, that's not true. Makes me wonder what else they say that is not true.

amanbal.home

11/28/2022

One of the worst Insurance i can say, i will never recommend to anyone. It take moths get processed your claim and 99.9% they try to decline it. Also they have worst customer service i can say from my experience. They will just keep sending you emails for further and further documents without any exact nates what documents are they looking for. I am paying them since i got my pet and submitted only 1st claim with multiple documents ,so much harassment that you will end up saying that you do not need any claim .

millybattaion

9/11/2022

I am looking for pet insurance. This website put Fetch at #1 but that receives suck. I don’t get it. Please enlighten me. Thank you.

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