Fetch Pet Insurance Canada 2025: Complete Review, Costs & Coverage
Our expert's opinion on Fetch
Fetch Pet Insurance offers a single, fully customizable policy for dogs and cats across Canada, covering accidents, illnesses, hereditary conditions, dental disease, and more—with add-on wellness for routine care in most provinces. Average premiums are competitive ($50/month dogs, $30/month cats), annual limits and reimbursement rates are flexible, and both deductible and co-pay can be tailored to different budgets, making Fetch notably comprehensive compared to other leading providers. Fetch is ideal for pet owners seeking broad, high-limit coverage, especially younger pets (for fewer exclusions), those with purebred or at-risk breeds, and anyone valuing rapid digital claims and payouts. Administered by AXIS Reinsurance Company (well-established global insurer; group revenue $6B+ USD in 2023, solid capital base), Fetch is highly trusted in Canada, with a 4.4/5 Trustpilot rating (4,703+ reviews); claims are usually processed within 2–7 days via app or web. The policy covers up to 90% of eligible vet bills from any licensed provider in Canada/U.S., but excludes all pre-existing conditions, routine/preventive care (unless wellness add-on is selected), and has strict waiting periods plus notable bilateral/congenital disease exclusions; customers must adhere to vet checkup and vaccination requirements for ongoing coverage.
- ✅Single, comprehensive plan customizable for needs and budget
- ✅Covers dental, hereditary, and behavioral conditions
- ✅Use any veterinarian Canada/U.S.
- ✅Annual limits and deductible adjustable
- ✅Wellness add-on for routine care (excluding NB and QC)
- ✅App-based claims, payout in as little as 2 days
- ✅Strong customer satisfaction: Trustpilot 4.4/5, 4,700+ reviews
- ❌All pre-existing conditions and many chronic issues excluded
- ❌No coverage for preventive/routine care without add-on
- ❌Strict waiting periods and entry medical exam required
- ❌Bilateral/congenital exclusions for at-risk breeds
- ❌Wellness add-on unavailable in NB and QC
Score- ✅Single, comprehensive plan customizable for needs and budget
- ✅Covers dental, hereditary, and behavioral conditions
- ✅Use any veterinarian Canada/U.S.
- ✅Annual limits and deductible adjustable
- ✅Wellness add-on for routine care (excluding NB and QC)
- ✅App-based claims, payout in as little as 2 days
- ✅Strong customer satisfaction: Trustpilot 4.4/5, 4,700+ reviews
Our expert's opinion on Fetch
- ✅Single, comprehensive plan customizable for needs and budget
- ✅Covers dental, hereditary, and behavioral conditions
- ✅Use any veterinarian Canada/U.S.
- ✅Annual limits and deductible adjustable
- ✅Wellness add-on for routine care (excluding NB and QC)
- ✅App-based claims, payout in as little as 2 days
- ✅Strong customer satisfaction: Trustpilot 4.4/5, 4,700+ reviews
- ❌All pre-existing conditions and many chronic issues excluded
- ❌No coverage for preventive/routine care without add-on
- ❌Strict waiting periods and entry medical exam required
- ❌Bilateral/congenital exclusions for at-risk breeds
- ❌Wellness add-on unavailable in NB and QC
Score- ✅Single, comprehensive plan customizable for needs and budget
- ✅Covers dental, hereditary, and behavioral conditions
- ✅Use any veterinarian Canada/U.S.
- ✅Annual limits and deductible adjustable
- ✅Wellness add-on for routine care (excluding NB and QC)
- ✅App-based claims, payout in as little as 2 days
- ✅Strong customer satisfaction: Trustpilot 4.4/5, 4,700+ reviews
Why Trust HelloSafe?
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.
| Name of coverage | Fetch Customizable Plan |
|---|---|
| Plan positioning | Highly customizable, broad, comprehensive core + optional wellness |
| Type of coverage (accident, illness, both, etc.) | Both accident and illness |
| Animals covered (dogs, cats, other) | Dogs, cats |
| Reimbursement rate (%) | 70–90% (you choose) |
| Annual reimbursement limit | $5,000–$15,000 per year (you choose) |
| Deductible (annual or per claim) | Annual, $250–$500+ (customizable) |
| Age limits for enrollment (for dogs and cats) | 6 weeks minimum, no max for healthy pets |
| Pre-enrollment health questionnaire | Recent vet records usually required |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 15 days |
| Lifetime coverage once subscribed | ✅ Yes, as long as policy active |
| Vet consultations (regular + emergency) | ✅ Exam fees included (sick/accident) |
| Medications | ✅ Prescription medications |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling and procedures) | ✅ Dental illness and injury (all adult teeth); cleaning in wellness add-on |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | Available with wellness add-on only |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ Acupuncture, chiropractic, physical therapy |
| Travel coverage (countries included, duration) | ✅ Any licensed vet in Canada/U.S.; duration not specified |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ For covered illness or injury |
| Death & cremation coverage | ❌ (not standard; N.C.) |
| Theft or loss of pet + search expenses | ✅ $1,000 for advertising/reward |
| Boarding fees (if owner is hospitalized) | ✅ Up to $1,000 per year, qualifying event |
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.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!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.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Geographic exclusions |
|
| Identification exclusions |
|
- Pre
- existing conditions (any sign, symptom, or treatment before policy or during waiting period)
- Recurring or bilateral conditions
- Dental disease or cleanings
- Routine and preventative care (unless optional wellness add
- on selected)
- Elective/cosmetic procedures (e.g., tail docking, ear cropping)
- Experimental/unproven treatments
- Illnesses or injuries during the waiting period
- Reproduction, pregnancy, or breeding
- related costs
- Chronic conditions if symptoms existed before the policy
- Congenital and hereditary conditions if they showed signs before enrollment
- Diseases not endemic to Canada or the U.S.
- Care outside Canada or the U.S.
- Claims submitted without required supporting medical records and paid invoices
- Claims received after the deadline specified in the policy
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:
| Fetch (standard plan) | Fetch (with wellness add-on)* | |
|---|---|---|
| Young cat (2–4 years) | $28–$34/month | $38–$44/month |
| Senior cat (7–8 years) | $36–$50/month | $46–$60/month |
| Small breed dog | $40–$50/month | $50–$60/month |
| Small breed dog (2–4 years) | $37–$47/month | $47–$57/month |
| Large breed dog (2–4 years) | $55–$66/month | $65–$76/month |
| Senior dog (7–8 years) | $70–$95/month | $80–$105/month |
Wellness add-on not available in Quebec and New Brunswick. Actual pricing may vary based on breed, age, and location.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Fetch Promo Codes
| Fetch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code |
|
- 5% on your quote
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.
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; owners must pay the vet and claim reimbursement themselves. |
| Payment facilities | ❌ | No installment or payment plan option for premiums; premiums are paid monthly on a recurring basis. |
| Mobile app | ✅ | Yes; fetchpet app available, 4.7/5 rating (iOS/Android CA). Enables claims, policy access, payments, user-friendly. |
| Paperless claims process | ✅ | All-claims digital via app or web portal. Fast direct deposit payments, often within 2 days of claim approval. |
| Emergency vet service | ❌ | No 24/7 emergency hotline or veterinary teleconsultation service provided. |
| Vet/clinic partner network | ❌ | No restricted partner network; claims accepted from any licensed vet clinic in CA and US. |
| Coverage abroad | ✅ | Insured at any vet in Canada and the US. No stated duration limits for travel within these countries. |
Customer Reviews of Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4 out of 5 – 4,703+ reviews |
| App Store / Google Play | 4.7 out of 5 – 7,000+ ratings |
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.
Contact Fetch
| Fetch Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit claims via the Fetch app or online portal by uploading your paid invoice and supporting medical records. Payments are issued by direct deposit (typically within 2 days). Phone: 866.509.0163 Email: [email protected] |
| To obtain a certificate of insurance | Contact Fetch customer service to request a certificate. Provide your policy number and identifying details. Phone: 866.509.0163 Email: [email protected] |
| To contact assistance | Phone: 866.509.0163 Email: [email protected] Assistance available during business hours for questions about coverage, claims, or plan management. |
| To cancel my policy | Call 866.509.0163 or email [email protected]. Provide your policy number and written notice of cancellation. No set notice period; unused premium is refunded pro rata. |
Payments are issued by direct deposit (typically within 2 days).
Phone: 866.509.0163
Email: [email protected]
Phone: 866.509.0163
Email: [email protected]
Email: [email protected]
Assistance available during business hours for questions about coverage, claims, or plan management.
Provide your policy number and written notice of cancellation.
No set notice period; unused premium is refunded pro rata.
FAQ
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch you pay your veterinarian directly at the time of service. Afterward, you submit your invoice and medical records to Fetch through their app or online portal to receive reimbursement. Fetch does not offer direct or third-party payment to vets; policyholders must pay first and claim after. Reimbursements are typically processed quickly, often within a few days.
How do I cancel my pet insurance policy with Fetch?
To cancel your Fetch policy, contact their customer service by phone or email with your policy number and a request to cancel. There is no required notice period—cancellation takes effect on the requested date, and unused premium will be refunded on a pro-rata basis. Written notice is required, and your cancellation is confirmed by the team.
What types of veterinary treatments and conditions does Fetch cover?
Fetch provides comprehensive coverage for accidents, illnesses, hereditary and congenital conditions, diagnostics, surgeries, medications, and even behavioral therapies. Dental care for injury or disease affecting all adult teeth is included as well. Coverage is valid at any licensed veterinarian or specialist in Canada or the U.S. Always review your policy for detailed coverage limits and exclusions.
Does Fetch cover pre-existing conditions or routine wellness care?
No, Fetch does not cover pre-existing conditions, which are any illnesses or symptoms present before the policy begins or during the waiting period. Routine wellness care such as vaccinations, annual exams, dental cleanings, and preventive treatments is only covered if you add a separate wellness plan, which may not be available in every province.
How do I submit and track a claim with Fetch, and how long does reimbursement take?
You can submit your claim by uploading your paid veterinary invoice and supporting medical records through the Fetch mobile app or online portal. Claims are reviewed and, if approved, reimbursed by direct deposit—often within two business days. You can easily track claim status in your customer account or contact customer support for updates if needed. Complete documentation ensures a faster claims process.
Do I have to pay upfront for veterinary fees with Fetch?
Yes, with Fetch you pay your veterinarian directly at the time of service. Afterward, you submit your invoice and medical records to Fetch through their app or online portal to receive reimbursement. Fetch does not offer direct or third-party payment to vets; policyholders must pay first and claim after. Reimbursements are typically processed quickly, often within a few days.
How do I cancel my pet insurance policy with Fetch?
To cancel your Fetch policy, contact their customer service by phone or email with your policy number and a request to cancel. There is no required notice period—cancellation takes effect on the requested date, and unused premium will be refunded on a pro-rata basis. Written notice is required, and your cancellation is confirmed by the team.
What types of veterinary treatments and conditions does Fetch cover?
Fetch provides comprehensive coverage for accidents, illnesses, hereditary and congenital conditions, diagnostics, surgeries, medications, and even behavioral therapies. Dental care for injury or disease affecting all adult teeth is included as well. Coverage is valid at any licensed veterinarian or specialist in Canada or the U.S. Always review your policy for detailed coverage limits and exclusions.
Does Fetch cover pre-existing conditions or routine wellness care?
No, Fetch does not cover pre-existing conditions, which are any illnesses or symptoms present before the policy begins or during the waiting period. Routine wellness care such as vaccinations, annual exams, dental cleanings, and preventive treatments is only covered if you add a separate wellness plan, which may not be available in every province.
How do I submit and track a claim with Fetch, and how long does reimbursement take?
You can submit your claim by uploading your paid veterinary invoice and supporting medical records through the Fetch mobile app or online portal. Claims are reviewed and, if approved, reimbursed by direct deposit—often within two business days. You can easily track claim status in your customer account or contact customer support for updates if needed. Complete documentation ensures a faster claims process.
