Provider Comparison

Trupanion vs Fetch (formerly Petplan): The Canadian Picture

By PetAssured Editorial Team •Last reviewed : May 28, 2026 •7 min read

Quick Answer

Trupanion is a Canadian-licensed insurer with broad availability across the country. Fetch (the rebranded successor to Petplan) is primarily a U.S.-focused brand, and Canadian customer eligibility has shifted over the years. Before assuming Fetch is an option for you, verify current Canadian availability directly with Fetch. If it isn't available in your province, Trupanion, Petsecure, and Pets Plus Us are the Canadian alternatives most owners end up comparing.

Disclosure: PetAssured.ca earns affiliate commissions when readers buy through links on this page. This never changes our ratings — see How We Review.

Coverage at a glance

This comparison is one of the most searched in Canada — partly because Petplan was a major Canadian brand for years before rebranding. Here's what you actually need to know in 2026.

Feature Trupanion Fetch
Canadian availability Yes — licensed nationwide Verify current Canadian eligibility before applying
Reimbursement rate 90% flat Plan-dependent
Annual payout cap Unlimited Plan-dependent
Deductible structure Per-condition (lifetime) Annual
Direct vet pay Yes (with VetDirect-enabled clinics) Reimbursement model
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Where each one wins

✓ Trupanion shines when…

  • Verified Canadian availability and licensing
  • Unlimited payout cap with per-condition deductible structure
  • Mature direct-pay infrastructure in Canada

✓ Fetch shines when…

  • Strong international brand recognition
  • If Canadian availability is confirmed for your province, plans may be competitive

The honest verdict

Our Recommendation

For most Canadian pet owners, Trupanion is the more reliable default — it's a Canadian-licensed insurer with confirmed availability and well-understood policy mechanics.

If you specifically want Fetch, verify Canadian eligibility before assuming you can enrol. If it's not available, the closest Canadian comparables are Petsecure and Pets Plus Us — see our comparison pages for those.

Get a Trupanion quote → Get a Fetch quote →

Frequently asked questions

Is Petplan still available in Canada?
Petplan rebranded to Fetch. Confirm with Fetch directly whether they currently serve your province before applying — availability has changed over time.
What's the difference between Petplan and Fetch?
Same company, different branding. Existing Petplan policies were transitioned to Fetch's structure.
If Fetch isn't available, what's the closest equivalent in Canada?
Owners comparing Petplan/Fetch typically end up choosing between Trupanion, Petsecure, and Pets Plus Us. See our Trupanion vs Petsecure and Trupanion vs Pets Plus Us guides.