Fetch Pet Insurance Canada Review
ConsumersAdvocate.org
Fetch Canada Snapshot:
Fetch offers a fully customizable plan with annual limits of $2,500 to UNLIMITED. There are no lifetime or per-condition limits, and no age limits after your pet turns 6 weeks. You are also able to choose to apply your deductible on an annual or per-condition basis. Other notable features of Fetch plans include:
- You can use any vet in the US or Canada
- 70%, 80%, and 90% reimbursement options that are based on the veterinarian's actual bill.
- Covers medications, advanced testing, and hospital stays.
- Non-routine exam fees are covered, this includes emergency and specialist hospitals.
- Covers medications, imaging, ultrasound, and other diagnostic testing
- Most comprehensive coverage of dental injury and treatment of periodontal disease for all teeth.
- File a claim online in minutes
- AARP exclusive pet insurance provider.
Plan details
|
Type of contract |
12 Months |
|
Claim limit |
Maximum annual payout $2,500 to UNLIMITED coverage |
|
Deductible |
$100 to $500 |
|
Claims and policy price |
NO increase in premiums due to claims made |
|
Enrollment age |
6 weeks and up |
|
Waiting period |
Injuries: 5 days / Illnesses: 15 days |
|
Out of country coverage |
US & Canada only |
|
Age limit |
None |
|
Age Caveat |
Pets six (6) years or older at the time of initial enrollment will be required to have a veterinary exam within thirty (30) days of the policy inception date. |
Further Details:
Fetch policies reimburse you on the actual amount of each veterinary bill minus the deductible and up to the chosen policy limit. Deductibles reset each year when the plan is renewed and can be applied on an annual or per-condition basis. Fetch is licensed in all provinces in Canada with the exception of Quebec and New Brunswick, and is underwritten by XL Specialty, an international insurance carrier with an extensive global presence and a S&P rating of A+.
Coverage Details
|
STANDARD COVERAGE |
|
|
Dogs and Cats |
Yes |
|
Accidents and Injuries |
Yes |
|
Illnesses |
Yes |
|
Non-routine vet exams, including ER and specialists |
Yes |
|
MRI, ultrasound, CT Scans |
Yes |
|
Diagnostic Treatment |
Yes |
|
Prescriptions & Nutraceuticals |
Yes |
|
Dental (injuries and periodontal disease) |
Yes |
|
Surgery/rehab |
Yes |
|
Cancer |
Yes |
|
Acupuncture, stem cell, hydrotherapy, holistic treatments |
Yes |
|
ANCILLARY COVERAGE (plans w/annual coverage of $15,000 or more) |
|
|
Behavioral Conditions |
Yes |
|
Lost pet advertising and reward |
Yes |
|
Boarding fees |
Yes |
|
Loss due to theft or straying |
Yes |
| Death from covered illness/injury |
Yes |
|
Vacation cancellation |
Yes |
What’s not covered?
- Pre-existing conditions when clinical signs were showing prior to the effective date of during the waiting period.
- Routine Care
- Vaccines
- Pregnancy - Limited Coverage
Summary
Fetch provides a good mix of coverage and benefit options that makes it a solid choice if you are looking for pet insurance in Canada. Filing a claim is easy and claims are typically reimbursed within a couple of days. The company also features a number of discount options that can help pet owners make pet insurance more affordable. AARP members, Walmart shoppers, and pet parents who adopt can save on premiums, subject to approval. Fetch pretty much covers all the standard items you'd be looking for in a pet insurance provider and more. The fact that older animals are not discriminated against is a big plus, and 24/7 support, comprehensive coverage including payment of the veterinary exam fees, and great customer service are all nothing to sneeze at as well.
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122 Customer Comments & Reviews
🔥 Covers Up to 90% on Unexpected Vet Bills
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Plans Average for Cats & Dogs: $20-$35/month
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Rated 'Excellent' on Trustpilot with 4.5/5-Stars
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Accidents, Illness & Wellness Coverage
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Complete Sick Visits Covered, Exam Fees Included
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Diagnostics, Treatments & Dental Coverage
