Pet insurance that covers more
Covers up to 90% of unexpected vet bills
Use any veterinarian in Canada
Fast & easy reimbursements
“Saved us thousands, and enables us to take the very best care of our dogs.”
Travis W., Fetch Member
What does Fetch Pet Insurance cover?
Fetch Pet Insurance offers the most comprehensive coverage that covers your pet from nose to tail. We even cover exam fees (which can save you $50 - $250 for each of your pet’s vet visits)!
Accidents
If your pet gets injured, Fetch has their back — and yours, too.
Broken bones
Hospital stays
Online vet visits
Bite wounds
Poisoning
Motor vehicle accidents
Cuts & scratches
Swallowed objects
Broken teeth
Emergency vet visits
And more!
Illnesses
If your pet gets sick, Fetch helps get them back on their paws.
Sick visits
Allergies
Breed-specific issues
Periodontal & gum disease
Arthritis
Cancer treatment
Skin & ear infections
Vomiting & diarrhea
Cherry eye
And more!
Diagnostics & treatments
From diagnosis to recovery, Fetch is 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
Prescription medications
And more!
Wellness
Supporting your pet’s health just got more affordable with this optional add-on.
Annual exam
Vaccinations
Dental cleaning
Heartworm, flea & tick prevention
Routine & preventative coverage
Spaying or neutering
Fecal tests
Blood & urine tests
And more!
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”
“Best for customizable payments”
“Most extensive coverage”
Pet insurance built for the unique needs of dogs and cats
Pets are unpredictable. That’s why Fetch provides the most comprehensive coverage for the unexpected. Think of pet insurance as a safety net, paying you back for covered treatment if your dog or cat gets sick or hurt. For more on how pet insurance makes veterinary care more affordable, check out how pet insurance plans work.
Dog insurance
When you sign up for Fetch dog insurance, you’re protecting your pup and your wallet. Here are some common conditions Fetch dog parents file claims for:
Upset stomach
Joint pain
Skin issues
Cat insurance
With Fetch cat insurance, your kitty has unmatched coverage when the unexpected happens. Conditions Fetch cat parents file claims for, include:
Allergies
Skin issues
Limping
It's all included in one simple plan
Complete sick visits covered
Exam fees are included, which saves you around $50-$250 per sick visit.
Every tooth covered
We cover injury and disease in every adult tooth — not just the canines.
Breed-specific issues covered
We cover medical conditions linked to breed, like breathing problems in French Bulldogs.
How we pay you back fast
You pay the vet
With Fetch you can use any vet in Canada or the U.S. – we even cover specialists and emergency clinics. Just remember: Payment is required at the time of service.
Submit a claim in minutes
Snap a picture of your paid invoice and supporting medical records and submit them in the Fetch app.
We reimburse you
Once your claim is approved, you’ll get paid back in as little as 2 days via direct deposit.
Why pets (and their people) love Fetch
Fetch covers up to 90% of unexpected vet bills, which is important when 1 out of 3 pets need emergency veterinary treatment each year. See how Fetch helped make vet costs more affordable for these pets.
Dante
Condition: Ruptured disc
Veterinary bills: $18,453
Paid back by Fetch: $11,691
“Pet insurance is 100% a must-have. It's peace of mind. It's the thing you hope you never need. But when you do, it comes through for you like a lifesaver.”
— Vaish and Matangi,
Dante’s parents
Diego
Condition: Bladder stones
Veterinary bills: $21,436
Paid back by Fetch: $18,042
“Just like humans, insurance offers peace of mind that you are protected, at least financially, for your pets’ needs. That’s what’s really important about having cat insurance.”
— Clay and Michael,
Diego’s parents
Enzo
Condition: Gastrointestinal issues
Veterinary bills: $1,434
Paid back by Fetch: $1,147
“Enzo can’t tell us when something is wrong. The only way to know is by taking him to the vet. To know he’s okay and my wallet’s okay is a great feeling.”
— Nick and Ali,
Enzo’s parents
We’re rated ‘Excellent’ on Trustpilot for a reason (lots of them, actually)
Read our reviews to see why pet parents love Fetch.
The most comprehensive coverage
Trusted to protect over 450,000 pets (and counting)
7,000+ five-star ratings on our app
Your pet insurance questions – answered!
Is pet insurance worth it in Canada?
If you’re looking for savings on future vet trips, the answer is yes. 1 out of 3 pets will require emergency treatment each year and having a pet insurance plan is like having a safety net for the unexpected. Fetch has the most complete coverage in Canada, so if you enroll now, you can rest easy if your pup or cat gets sick or hurt down the road.
Can I use any vet with pet insurance?
Yes! With Fetch, you can see any vet in Canada or the U.S.
At what age should I get pet insurance for my dog or cat?
How do pre-existing conditions work with pet insurance?
A pre-existing condition is any injury, illness or condition that you or your veterinarian notice your pet has (or shows signs of) either before you enroll with Fetch, before your policy’s effective date or during the waiting period of up to 15 days. Fetch offers the most complete coverage in Canada and the U.S. for new injuries and illnesses, but we don’t cover pre-existing conditions.
Should I add Wellness to my Fetch pet insurance plan?
Adding a Fetch Wellness plan to your Fetch injury and illness insurance will help you save on routine and preventive coverage (think: vaccinations and annual exams). That way, you can help prevent health issues before they start. Plus, there's no deductible for wellness — enroll today.
Made for more™
We’re a community of pet parents who understand you because we are you. We give up our favorite spot on the couch because it’s also our dogs’ favorite. We open the blinds just so our cats can sunbathe in the living room. And our hearts melt just a little bit every time a small chin rests on our knee at the end of the day. Sound like you?
Sign up now