Fetch Pet Insurance Canada 2025: Complete Review, Costs & Coverage

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available on the Canadian market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Canadians trust us each month to guide them in their most important financial decisions.

Fetch Coverages

Fetch offers a highly flexible and comprehensive pet insurance plan for dogs and cats in Canada, distinguished by customizable reimbursement rates (70–90%), adjustable annual limits, a range of annual deductibles, and the option to add wellness coverage for routine care.

The plan covers both accidents and illnesses, hereditary and congenital conditions, all adult teeth for dental illness/injury, exam fees for sick/accident visits, alternative therapies, and more—with wellness available (except in NB and QC) for preventive expenses.

Fetch notably stands out for its broad eligibility, use-at-any-vet freedom in Canada/U.S., fast claims, and strong customer reviews, though pre-existing conditions and most routine/preventive expenses (unless the wellness add-on is selected) are excluded.

A key limitation is that wellness and preventive coverage require a separate add-on (not offered everywhere), and as with many plans, any issue present before enrollment or during the waiting period is not covered.

Good to know:
Fetch reimburses up to 90% of covered costs after your selected annual deductible; wellness/preventive care is only available by add-on and is not offered in New Brunswick or Quebec; policyholders must pay the vet directly, then submit claims for fast reimbursement; no per-condition payout limits, just the annual cap.

Get a personalized quote and compare all options to find the best fit for your budget and pet’s needs.

Fetch Exclusions

Fetch’s exclusions align closely with industry standards but with a few distinctions worth noting: all pre-existing conditions—any symptom or diagnosis present before enrollment or during waiting periods—are categorically excluded, including recurring issues.

Dental cleanings and preventative or wellness services are excluded unless the optional wellness add-on is purchased, with particular attention to the exclusion of pre-existing dental disease.

Coverage for any injury or illness arising during the standard 15-day waiting period is strictly excluded.

Routine and elective procedures, experimental treatments, and cosmetic surgeries such as tail docking or ear cropping are also not covered.

Geographic coverage is limited to Canada and the U.S., and non-endemic or exotic diseases (outside these regions) are excluded.

Fetch Prices

Fetch positions itself as a competitive, upper mid-range insurance provider in Canada, with a reputation for highly comprehensive coverage and robust digital services. Monthly premiums for cats and dogs are generally higher than entry-level or accident-only plans, but Fetch’s 80–90% reimbursement rates, lower deductibles, and broad protection (including dental, hereditary, and behavioral issues) justify the cost. As a fully digital pure player, Fetch offers efficient claims submissions and fast reimbursements, helping to minimize administrative overhead and improve user experience. Compared to traditional insurers, Fetch often matches or slightly exceeds their pricing, but delivers exceptional value through its extensive coverage, flexibility, and tech-forward user interface. It is best suited for pet owners who want strong, reliable protection and are willing to pay a bit more for peace of mind and premium service.

Compare Fetch plans with alternatives and find the best price for your pet below:

Wellness add-on not available in Quebec and New Brunswick. Actual pricing may vary based on breed, age, and location.

Fetch Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Fetch Reimbursement Information

With Fetch’s highest-tier plan, you get up to 90% reimbursement for unexpected vet bills, making your out-of-pocket costs much lower and predictable—with fast, simple claims. Here are three clear examples to show how it works:

✅ Example 1: Emergency surgery for a swallowed toy
Total vet costs: $2,500 (exam, x-ray, surgery, hospitalization)
Annual deductible: $250 (first claim of the year)
Reimbursable after deductible: $2,500 – $250 = $2,250 90% of that reimbursed: $2,250 × 90% = $2,025
👉 You receive a reimbursement of $2,025.
ℹ️ Your maximum annual coverage stays intact for future claims after the deductible is paid just once per policy year.

✅ Example 2: Treatment for severe skin allergies
Total vet costs: $600 (consultation, allergy testing, medication)
Deductible already met earlier in the year 90% of $600 reimbursed: $600 × 90% = $540
👉 You receive $540 back.
ℹ️ Once your annual deductible is met, subsequent reimbursements are calculated right away at 90%.

✅ Example 3: Preventive care visit with wellness add-on (annual exam, vaccines, routine bloodwork, dental cleaning)
Total vet costs: $450 (all services included)
Deductible: $0 for the wellness package 90% reimbursed: $450 × 90% = $405
👉 You receive a reimbursement of $405. 
ℹ️ Preventive care is only reimbursed if you choose the optional wellness add-on. No deductible applies to these services.

Assistance Fetch

Fetch does not offer advance payment to vets, so policyholders must pay clinics up front and then claim reimbursement, which can be a significant financial consideration for large expenses.

Digital claims are a highlight—users submit documents via a mobile app or web portal—with payments often issued within 2 days, which stands out for speed and convenience.

There is a well-rated mobile app (4.7 on iOS/Android in CA), good for policy management and quick claims, but no option for split or installment payment of annual premiums is provided.

No 24/7 emergency vet line or teleconsultation is available, so clients must find their own advice in urgent situations.

Global vet access is an advantage: any Canadian or U.S. clinic is covered—with no partner network limitations and no duration cap for trips within North America.

Customer Reviews of Fetch

We analyzed reviews from the sites listed above.

On the positive side, customers who subscribed to Fetch often mention:

• A fast, straightforward, and mostly digital claims experience, resulting in prompt reimbursements—sometimes within just a few days.
• An attentive and friendly customer service team, with multiple agents receiving personal praise for their professionalism and empathy.
• A comprehensive coverage offer, including dental, hereditary conditions, and behavioral therapy, which many see as going beyond standard plans.
• A flexible platform with an intuitive app, allowing easy policy management and claim tracking.
• Peace of mind with coverage at any vet, including specialists and emergency clinics across Canada and the U.S.

On the negative side:

• A need to pay veterinary bills up front, since no direct pay option to the clinic exists.
• An occasional delay or perceived lack of clarity in claims processing or decisions, especially for rejected or complex claims.
• A frustration with denied coverage for conditions deemed pre-existing or those discovered during the waiting period.
• Some users report challenges in communicating with support for cancellations or account management.
• A premium increase as pets age, and specific sublimits or exclusions that may surprise policyholders at time of claim.

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Daniel Clarke

Personal finance expert

Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.