About Fetch
Fetch (formerly known as Petplan) has been protecting pets since 2003 and is one of the most trusted pet insurance providers in North America. With over 400,000 pets insured and an industry-leading Trustpilot rating of 4.4/5 based on 2,600+ reviews, Fetch has proven its commitment to customer satisfaction.
What Makes Fetch Stand Out
Top-Rated Customer Satisfaction: Fetch has the highest Trustpilot rating among major Canadian pet insurers, with customers consistently praising their claims process, customer service, and value. Real customers rate them "Excellent" on Trustpilot.
Lightning-Fast Claims: Fetch processes claims quickly, with many customers receiving reimbursement in as little as 2 days via direct deposit. They've paid back up to 90% of unexpected vet bills, making it easy to afford the best care for your pet.
Comprehensive Coverage: Unlike basic plans, Fetch covers exam fees along with accidents and illnesses. Their 90% reimbursement rate means you only pay 10% of covered vet costs after your deductible.
No Age Discrimination: Fetch accepts pets of any age, meaning you can enroll your senior pet without worry. Once enrolled, your pet is covered for life with no upper age limit.
Coverage Details
What's Covered:
- Accidents and injuries
- Illnesses (acute and chronic)
- Emergency care
- Surgery and hospitalization
- Diagnostic tests (X-rays, bloodwork, MRI, CT scans)
- Prescription medications
- Exam fees (a rarity in the industry!)
- Hereditary and congenital conditions
- Behavioral therapy (with some plans)
What's Not Covered:
- Pre-existing conditions
- Routine wellness care (unless you add wellness coverage)
- Breeding costs
- Elective procedures (tail docking, ear cropping)
Annual Benefit Limits:
- Typical plans: $5,000 annual limit
- Optional higher limits available
- Most customers find $5,000 adequate for typical vet bills
Pricing
Fetch offers competitive pricing for their comprehensive coverage:
- Average Monthly Premium: $85.89/month
- Reimbursement Rate: 90% (you pay 10%)
- Deductible Options: $250, $500
- Annual Benefit: $5,000 (most common)
Example: If your vet bill is $1,000:
- You pay your deductible: $250
- Remaining: $750
- Fetch reimburses 90%: $675
- Your total cost: $325
Claims Process
Fetch makes filing claims easy:
- Pay your vet at checkout
- Submit a claim online or via their mobile app
- Get reimbursed in as little as 2 days via direct deposit
No paperwork for your vet! You handle the claim submission, not your veterinarian.
Customer Experience
Why Pet Owners Love Fetch:
From Trustpilot reviews (4.4/5 rating):
- "Best all-around pet insurance policy at the most affordable rates"
- "Once your claim is approved, you'll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit"
- "Protecting 400K+ dogs and cats (and counting) & rated 'Excellent' on Trustpilot"
24/7 Support: Fetch offers round-the-clock customer service via phone and chat. Pet emergencies don't wait for business hours, and neither does Fetch.
Who Should Choose Fetch?
Fetch is ideal for:
- Quality-focused pet owners: The 4.4/5 Trustpilot rating speaks for itself
- Those wanting fast reimbursement: 2-day claims processing is industry-leading
- Budget-conscious buyers: $85/month average for 90% coverage is competitive
- Senior pet parents: No upper age limit means your older pet is welcome
- Peace-of-mind seekers: 400K+ pets insured, proven track record
The Bottom Line
Fetch earns its "Excellent" Trustpilot rating through a combination of comprehensive coverage, fast claims, and genuinely helpful customer service. While they have annual benefit caps (unlike Trupanion's unlimited coverage), their $5,000 limit is sufficient for most pet owners, and their 90% reimbursement rate is among the highest in Canada.
Best for: Pet owners who want proven customer satisfaction, fast claims, and comprehensive coverage at a fair price.
Skip if: You need unlimited annual benefits or prefer a Canadian-owned company.
Last Updated: 2026-08-23
Trustpilot Rating: 4.4/5 (2,601 reviews) - Updated August 2026