About Fetch
Fetch Pet Insurance was founded in 2003 and rebranded from Petplan in 2022. Fetch says it now protects more than 550,000 pets and operates from two offices, with its headquarters in New York City and another office in Winnipeg. In Canada, Fetch policies are underwritten by AXIS Reinsurance Company (Canadian Branch).
What Makes Fetch Stand Out
Customizable Coverage: Fetch lets customers choose their annual deductible, maximum annual payout and reimbursement rate. Reimbursement options are 70%, 80% or 90%, and standard maximum annual payout options include $5,000, $10,000 and $15,000.
Broad Accident and Illness Coverage: Fetch covers unexpected accidents and illnesses along with sick-visit exam fees, dental injury and disease in every adult tooth, hereditary and congenital conditions, prescription medications, diagnostics, surgery, hospitalization and other eligible veterinary care.
No Accident Waiting Period: Accident coverage has no waiting period, so new accidents that occur on or after the policy effective date can be eligible. Illness coverage has a 15-day waiting period.
No Upper Age Limit: Fetch covers dogs and cats starting at 6 weeks old and does not impose an upper age limit for enrollment.
Coverage Details
What's Covered:
- Accidents and injuries
- Illnesses
- Emergency veterinary visits and hospital stays
- Sick-visit exam fees
- Diagnostic testing, including imaging and laboratory work
- Prescription medications
- Surgery and hospitalization
- Dental injuries and diseases in every adult tooth
- Hereditary and congenital conditions
- Behavioral therapy and other specified benefits included in the policy
What's Not Covered:
- Pre-existing conditions
- Ear cropping and tail docking
- Prescription food under the accident and illness policy
- Grooming
- Care not provided by a licensed veterinarian
- Routine and preventive care unless Fetch Wellness is added
- Claims submitted more than 90 days after treatment
Annual Benefit Limits:
- Standard maximum annual payout options: $5,000, $10,000 or $15,000
- Additional payout options may be available by contacting Fetch
- The selected maximum annual payout affects the policy price
Pricing
Fetch says pricing depends primarily on your pet's age, breed and location, and customers can adjust their deductible, reimbursement rate and maximum annual payout to change their premium.
- Average Monthly Premium in Canada: $35/month for dogs and $21/month for cats
- Reimbursement Rate Options: 70%, 80% or 90%
- Annual Deductible: Recommended options can range from $250 to $2,500 depending on the pet
- Standard Maximum Annual Payout Options: $5,000, $10,000 or $15,000
Example (hypothetical numbers for arithmetic only): a $2,000 covered vet bill with an 80% reimbursement rate, a $300 annual deductible and a $10,000 maximum annual payout:
- Covered bill: $2,000
- 20% copay: $400
- Reimbursement before deductible: $1,600
- Annual deductible applied: $300
- Example reimbursement: $1,300
Claims Process
Fetch uses a reimbursement model:
- Pay your veterinarian in full at the time of treatment
- Submit a claim through the Fetch app with the paid invoice and supporting medical records
- Get reimbursed after approval; claims are typically processed in less than 10 days, and direct-deposit payment can arrive in as little as 2 days after approval
Claim deadline: Claims must be submitted within 90 days of treatment.
Customer Experience
Trustpilot: As of August 24, 2026, Fetch Pet Insurance has a 4.6/5 Trustpilot score based on 7,541 reviews. Trustpilot's recent review summary highlights helpful support staff and an easy claims process, while some reviewers report concerns about renewal price increases and claim denials related to pre-existing conditions.
Customer Support: Fetch's interactive chatbot is available 24/7. Live chat with member experience specialists is available Monday-Friday from 9 AM-8 PM ET and Saturday from 9 AM-6 PM ET. Service phone support is available Monday-Friday from 9 AM-6 PM ET, while sales support is available Monday-Friday from 8 AM-9 PM ET and Saturday from 9 AM-7 PM ET.
Who Should Choose Fetch?
Fetch is ideal for:
- Owners wanting broad coverage: Accident and illness coverage includes exam fees, dental injury and disease, hereditary conditions, diagnostics and prescription medications
- People who want plan flexibility: You can customize the reimbursement rate, annual deductible and maximum annual payout
- Owners of older pets: There is no upper age limit for enrollment
- Pet parents wanting preventive coverage: Fetch Wellness can be added for routine care such as annual exams, vaccinations, dental cleanings and parasite prevention
- Traveling pet owners: You can use any licensed veterinarian in Canada or the U.S.
The Bottom Line
Fetch offers customizable accident and illness pet insurance in Canada with reimbursement rates of 70%, 80% or 90%, annual deductibles, several standard annual payout limits and broad coverage that includes sick-visit exam fees, dental disease and hereditary conditions. Accident coverage has no waiting period, while illness coverage has a 15-day waiting period. Optional Fetch Wellness coverage can be added for routine and preventive care.
Best for: Pet owners who want customizable, broad accident and illness coverage and value coverage for exam fees, dental conditions and hereditary conditions.
Skip if: You need coverage for a pre-existing condition or want routine and preventive care included without purchasing an optional wellness add-on.
Last Updated: 2026-08-24
Trustpilot Rating: 4.6/5 (7,541 reviews) - Updated August 24, 2026