Fetch Review: The Most Comprehensive Pet Insurance?

James James updated on 24 October 2022

Did you know that 20% of cats in Canada die from upper respiratory diseases? And did you know that with pet insurance these diseases are usually preventable as they will be caught by a vet at an early stage? Despite this only around 10% of Canadians have pet insurance and most owners will only seek to buy insurance once their pets are already sick.

In this short review we introduce Fetch pet insurance, give you the pros and cons and help you decide if it is right for you.

Fetch pet insurance review

Fetch pet insurance may be a new player in the Canadian pet insurance scene but it brings a wealth of experience from its previous incarnation as Petplan. Fetch by the Dodo, combines both Petplan's experience and the Dodo's wide knowledge of animal healthcare problems and consumer needs.

Fetch has taken innovative decisions to focus on the app and website-based estimations for your pets. This allows you to adapt your plan to your pet's specific needs and save. There is no need to pay the same premiums for a Great Dane as for a terrier! With highly flexible policies and a great range of add-ons, you can find the policy that suits your and your companion's specific needs.

Who owns Fetch pet insurance?

Fetch was founded in 2003 by husband and wife Chris and Natasha Asherton and had an exclusive license from Petplan to operate in the United States. Since 2019 the CEO has been Paul Guyardo.

In 2021 The Dodo, a popular pet brand, bought a minority stake in Petplan and together they collaborated to form Fetch as an international insurance and tech organization. The company has 210 team members and has its HQ in Winnipeg. Since its creation, Fetch has insured over 280,000 pets.

How does Fetch pet insurance work?

Fetch pet insurance works by selling you an insurance policy which guaranteed you will be reimbursed to an agreed level for any accident, illness or treatment for your pet that does not fall outside of their coverage. All claims can be made through the app or the website, using their innovative online claims system.

In simple terms, if your pet needs veterinary treatment then Fetch will reimburse you either 70%, 80% or 90% depending on the plan you have purchased. You will need to submit bills and reports from your vet via the app or website.

What does Fetch pet insurance cover?

Fetch offers one of the most comprehensive sets of pet insurance coverage available. Below are just some of the most common conditions that Fetch pet insurance covers.

  • Aggression & separation anxiety
  • Allergies
  • Blood tests
  • Cancer
  • Chiropractic care & acupuncture
  • Diabetes
  • Diarrhea
  • Emergency vet visits
  • Every tooth covered
  • Gum disease
  • Hereditary & congenital issues
  • Hip dysplasia
  • Home visits
  • Hospital stays
  • Laboratory tests
  • Physical therapy
  • Prescription medication and vitamins
  • Surgeries
  • Swallowed objects & toxins
  • Ultrasounds
  • Virtual, in-home & office visits
  • Vomiting
  • X-rays & CT scans

Ready to take a look at the full package from Fetch? Hit the button below.

What is not covered by Fetch pet insurance?

Fetch's pet insurance does not cover the following conditions.

  • Late-filed claims, that is claims filed more than 90 days after treatment
  • Prescription food
  • Cosmetic procedures and grooming
  • Pre-existing conditions
  • Routine care and visits to the vet

Are you interested in finding pet insurance that covers regular vet visits and check-ups? Take a look at our comparison tool for pet insurance.

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How much is Fetch pet insurance?

Fetch has created an easy-to-use form that can give you a quote for pet insurance in seconds. To give you a rough idea of prices, we have created the table below with estimates for a large dog, a small dog and a cat all aged around 2 years old.

PetAgePremiumMax annual payoutAnnual deductibleReimbursement
71 lb mixed breed dog
2 years$56.41$5,000$30080%
22 lb mixed breed dog
2 years$33.49$5,000$30080%
Mixed breed cat
2 years$22.61$10,000$30080%
Fetch pet insurance prices Canada

Fetch pet insurance vs Trupanion

To help you make a decision, we have compiled a table comparing Fetch and another leading provider of pet insurance, Trupanion. While Fetch is less well established, it is more adaptive to modern pet owners' needs, including having highly modifiable and flexible policies.

Take a look at the table below to see how they measure up.

WideMore limited
Time to process a claim
Between 12 and 22 days2 days
Optional add-ons
Large number of customizationsLimited
Policies tailored to specific ages and breedsHigher prices
Customer service
Easy online processExcellent
Fetch vs Trupanion

Interested in seeing what other insurance providers have to offer?

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How to contact Fetch pet insurance?

You can easily set up an account using the Fetch website or by using the app. all claims should be submitted via the app or website also.

Fetch pet insurance email

You can contact the Fetch team by email at [email protected]. Be sure to include your name, contact details and all the details about your pet, your veterinarian and all the relevant medical details.

Fetch pet insurance contact number

You can also call the Fetch customer service team directly at 1.866.467.3875. The office is open Monday to Friday between the hours of 9:00 am and 6:00 pm. The sales team can be contacted at 1.866.984.0104 between Monday to Friday, 9:00 am to 9:00 pm or on Saturday and Sunday between 10:00 am and 6:30 pm.

Fetch chat

Fetch has an interactive chatbot that you can contact at all times, 24/7. The chatbot can be contacted via the Fetch website.

What is the Fetch pet insurance waiting period?

Fetch has a 15-day waiting period after you sign up for a pet insurance policy. This means that any claims made within the first 15 days will not be considered or reimbursed. Any sickness or accident that occurs during this time will be considered a pre-existing condition and therefore will never be covered by the insurance policy. This is why it is important to get pet insurance before your pet is sick!

For knees and hips, there is a 6-month waiting period in which no claims can be made. However, you can reduce this waiting period by making an appointment with a vet and getting a check-up for your pet. This must be done during the first 30 days of your policy.

How to cancel my Fetch pet insurance?

Cancelling your Fetch pet insurance policy cannot be done through the website or the app.

To cancel your Fetch pet insurance you will need to call a representative at 1.866.467.3875. The office hours for cancelling your plan are 9:00 am to 6:00 pm, Monday to Friday.

Ready to compare Fetch and other pet insurers. It's easy to do using our pet insurance comparison tool.

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