Fetch pet insurance review for Canadian readers is genuinely tricky to write — because the most important question isn't 'is it a good product?' but 'is it available to you?' Here's what we know.
Coverage at a glance
| Feature | Fetch |
|---|---|
| Canadian availability | Verify directly — availability has changed since the Petplan rebrand |
| Brand history | Petplan rebranded to Fetch (approx. 2022) |
| Reimbursement rate | Plan-dependent (typical tiers offered) |
| Annual payout cap | Plan-dependent |
| Deductible structure | Annual |
| Direct vet pay | Reimbursement model |
| Hereditary / congenital conditions | Historically covered on comprehensive plans |
Advertisement
Responsive
Pros and cons
✓ What works
- Strong international brand recognition (carryover from Petplan)
- Established underwriting and claims infrastructure
- If Canadian availability is confirmed for your province, plans may be competitive
✓ What doesn't
- <strong>Canadian availability is the main question</strong> — verify directly before assuming you can enrol
- U.S. marketing dominates search results, which can be misleading for Canadian shoppers
- Existing Petplan policies were transitioned to Fetch — terms may differ from what longtime Canadian customers remember
Who it's best for
- Customers who confirm current Canadian availability with Fetch directly and want a recognized name
- Existing Petplan customers navigating the rebrand
Our verdict
Bottom Line
For most Canadian shoppers, Fetch shouldn't be the default starting point — not because the product is bad, but because availability is uncertain. Spend the same effort getting quotes from Trupanion, Petsecure, and Pets Plus Us — all three are confirmed Canadian-licensed insurers actively serving customers across the country. If you specifically want Fetch, verify availability with the company before assuming you can apply.
Frequently asked questions
Is Petplan still available in Canada?
Petplan rebranded to Fetch. The brand 'Petplan' as a standalone product is no longer offered. If you previously had a Petplan policy, your policy has likely been transitioned. Confirm with Fetch directly.
What changed when Petplan became Fetch?
Same underlying company structure, new branding, updated policy structure in some markets. Existing Canadian customers may have been transitioned to U.S. policies or to other underwriters depending on the timing.
If Fetch isn't available to me, what should I use instead?
The three confirmed Canadian-licensed comprehensive insurers most owners end up choosing between are Trupanion, Petsecure, and Pets Plus Us. See our comparison hub for head-to-head guides.
Why do I see Fetch ads in Canada if they don't sell here?
Marketing spend doesn't always match product availability. A brand may advertise in Canadian search results while only offering the product in the U.S. Always check the quote tool — if it asks for a U.S. state and ZIP code, the product isn't Canadian-licensed.
Is Fetch the same as Healthy Paws or Embrace?
No — Fetch, Healthy Paws, and Embrace are separate companies. All three are primarily U.S.-focused. See our US brands in Canada guide for the full picture.