Best pet insurance for dogs & cats

More coverage. 

More money back.
More peace of mind.

Covers up to 90% of unexpected vet bills

Use any veterinarian in Canada

Save over $1,000 on pet health products

Fast & easy reimbursements

Get your price
A happy dog sitting on a vet bill and money they got paid back.Proudly serving Canada since 2012.

Top-rated on

“Saved us thousands, and enables us to take the very best care of our dogs.”

Travis, W., Fetch Member

THE FETCH pet insurance DIFFERENCE

Fetch provides the most complete coverage for accidents & illnesses

Everything you see here (and much more) is provided in one simple plan.

Accident & Illness coverage

Sick-visit exam fees

Emergency vet visits

Dental & gum disease

Cancer treatment

Laboratory tests

Surgeries

X-Rays & CT Scans

Skin & ear infections

Poisoning

Hospital stays

Broken bones

Bite wounds

Name-brand prescription medications

Cuts & scratches

Motor vehicle accidents

Arthritis

Cherry eye

Broken teeth

Treatment for aggression
& separation anxiety

Allergies

Vomiting & diarrhea

Ultrasounds

Acupuncture &
chiropractic care

Physical therapy

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Accidents

If your pet gets injured, we’ve got their back — and yours, too.

Emergency vet visits

Hospital stays

Cuts & scratches

Swallowed objects

Broken teeth

Broken bones

Bite wounds

Poisoning

Online vet visits

Illnesses

If your pet gets sick, we help
them get back on their paws.

Sick visits

Vomiting & diarrhea

Skin & ear infections

Cancer treatment

Dental & gum disease

Allergies

Arthritis

Cherry eye

Breed-specific issues

Tests & Diagnostics

From diagnosis to recovery, we’re with you and your pet every step of the way.

X-Rays & CT Scans

Physical therapy

Surgeries

Ultrasounds

Laboratory tests

Acupuncture & chiropractic care

Treatment for aggression & separation anxiety

Name-brand prescription medications

Not all pet insurance is created equal

Exam fees covered

We cover the exam fee for sick visits, which can save you around $50 - $250.

Every tooth covered

We cover injury and disease in every adult tooth (not just the canines) plus gums.

Breed-specific issues covered

We cover medical conditions linked to breed, like breathing problems in French Bulldogs.

Get your price

Your Fetch quote includes all monthly taxes & fees

When you're comparison shopping, remember that Fetch doesn’t hide fees — so you’ll never be surprised by a higher price at check out.

See what the experts are saying

The best pet insurance in Canada of 2025

Comprehensive coverage customized to needs and budget

Fetch is our top recommended pet insurance in Canada

Most extensive coverage

Vet costs are up more than 60%. Fetch helps you keep expenses down.

No matter how much costs go up, you can lock in one low monthly rate for a whole year — and get unmatched protection.

Get your price

how FETCH works

Getting paid back is as easy as 1, 2, 3

You pay the vet

Like other pet insurance providers, pet parents pay their vet bills in full.

Submit a claim

Just take a picture of your invoice and vet documents, answer a few questions and submit your claim in a matter of minutes.

We pay you back fast

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.

Get your price

FETCH PET INSURANCE REVIEWS

Thousands of 5-star reviews on Trustpilot

Trustpilot

MORE PROTECTION FOR YOUR WALLET

Saving on vet bills is just the beginning

As a Fetch customer, you’ll have access to exclusive programs built to help keep your pet happy and healthy — and save you thousands of dollars a year in the process.

Fetch Health Perks
Fetch Online Vet

Fetch Health Perks

NEW

Access over $1,000 in savings on pet health + wellness products

Get exclusive discounts on everyday pet food, grooming products, litter and more when you enroll. Included in your policy benefits at no extra cost.

An illustration of a dog wearing a medical cone while sitting in front of a computer.
An illustration of a dog wearing a medical cone while sitting in front of a computer.

Fetch Online Vet powered by Vetster

Get $1,000 in online vet visits every year for expert vet advice 24/7

Get help when your primary vet is out of reach, avoid unnecessary emergency visits and get expert help fast with our online vet partner, Vetster — no copay or deductible up to your sublimit and included at no extra charge.

Get your price

At Fetch, we understand how special your pet is to you (and vice-versa). That’s why we built a plan that covers more of the care your pet needs. Having more coverage means you’ll never have to choose between a vet bill and your pet’s health — so they can have a longer, happier life, and you can both have more good days together.

†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx.

Comparison is based on core policy coverage and the information is accurate as of September 2023. 

Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner.

Most comprehensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Consumer Rating, Market Watch and Rover are also Fetch partners.

Most complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. Forbes Advisor is a Fetch partner.

Top-rated pet insurance provider on Google Business Reviews compared to pet insurance companies offering nationwide, comprehensive pet coverage. Google is a trademark of Google LLC and this statement is not endorsed by or affiliated with Google in any way.

Fetch customers have access to exclusive programs that can save you thousands of dollars a year based on a combination of savings and benefits from Fetch Pet Rx, Fetch Health Perks, and Fetch Online Vet.

100% reimbursement on pet meds applies to qualifying medications purchased from Fetch Pet Rx. Prescription medications and supplements that are covered by your policy are subject to your deductible and policy limit. All orders from FetchPetRx.com are fulfilled by Allivet. Allivet is a fully licensed pharmacy, licensed to sell pet prescription medication in all states.
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This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state or province and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2025 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Program not available in New Brunswick and Quebec. Program not available in New Brunswick and Quebec. Average monthly premiums are based on Canadian annual premiums, using a 12-month average, for the period of 1.1.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 8.16.2024.
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Fetch Health Perks offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Health Perks program or site. Fetch Health Perks is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company.

Please click here to review terms and conditions.