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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Yeonju O

7/6/2018

I have a same problem as others have. I paid the insurance over 2 years and my cat passed away a month ago. I spent over $3000 but they declined my claim because I didn't do health check-up every year. I even didn't know it until they said that. I asked them where I could find the regulation and it was on page 12 with tiny font. They should put that on the first page and remind it to customers every year. Don't waste of your money, just save it to your account better.

David

6/26/2018

I don't know why this company got 5 stars??? I have been with them over 2 years, recently my pet got urine blockage and spent $7000 but this company refused the claims because we didn't do check up every year as the reason they told. I told them even we do check up every year won't find out urine blockage which happend as emergency and we insured over 2 years. but they still refuse to pay due to the check up policy. I think they only want collect money won't want to pay. STAY AWAY

Panamount2

6/18/2018

I used Pet Plan for my last dog and when I used it they reduced my percentage paid by them and when she got old they made my premiums very high. Will not use for my new puppy.

Eddie

6/4/2018

I recently make a claim with Pet Plan. My plan is $300 deductible and they reimbursement 90% after deduction. They are using creative calculation. They deduct 10% from the overall payout first before they deduct my deductible. So I have to pay 10% more on my deductible. For example, if I pay out $500. I am paying out 10% of $500 first. That is $50 and then they use the reminding balance which is $450 and deduct $300 for my deductible. So I am paying $50 + $300 which is $350 and I only get $150. If they deduct my deductible first, $500 -$300 = $200 and apply the 10% which I means I only pay out $20. I would get $180 from Pet Plan.

gesekams2004

5/31/2018

I am writing today to complain about the poor customer service I received from Petplan insurance company continuously over the period of my pet's insurance plan. when I first signed on, I was asked what my pet is breed was and as noted, his a mix bread (German shepherd and Belgian Malinois cross). one of your agents took the initiative of changing my dog is bred to a pure breed without speaking or consenting with me, my insurance rate went up. I only noticed when viewing my personal banking statement. I called several times for this issue and was told there is no proof that his a pure bread, she did it of her own accord. one of your agents put my plan on hold, assuming that he will... Read More

Sebastian M

5/14/2018

One of the worst insurance companies I ever had to deal with! My Frenchie had a skin allergy and the vet recommended that he will need blood work. They look back at the records and told me I will not be paid due to skin problems with the eyes :))).

Alisha A

3/26/2018

They use to be an amazing company, once the changes happened last year things went crazy bad, i now pay double what I was paying 4 years ago when I signed up. It takes over a month to get any money back if they will even qualify it. my deductible has doubled as well. In order to even have any help you legit need to buy in bulk so you will get even very little compensation. Your seriously better off dependent on the age and how much your paying at the beginning, and putting it into a savings account. The hike in rates yearly is outrageous. My health plan even my vehicle insurance is not near as bad as these guys.

Linda D

2/15/2018

Very surprised st renewal insurance for my 3 year old Labrador retriever increased by 106.00

Carlos A

9/29/2017

Increase my rate after one year .... just sent me a letter informing and done !!! Disrespectful !!!

Jenn

8/9/2017

Petplan starts out great, then increases your rates. Had this happen a decade ago with a letter saying we were 'randomly selected due to breed' for a rate hike (after we had 3 claims in one year). Tried them again last year and received a letter at the end of the year saying that they have sold out to a new company and rates are going way up. Cancelled and went with Desjardins instead.