Fetch
Comprehensive Plan
Comprehensive accident & illness plan with flexible limits and an optional wellness add-on.
$$ Mid-rangeAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- none
- Illness wait
- 15 days
Sample monthly cost
$57.95 — 1-year-old LabradorHelloSafe sample quote; plan config & province not specified.
$34.36 — 1-year-old catHelloSafe sample quote; plan config & province not specified.
- Deductible
- Annual deductible — Canadian options are reported around $250–$500; confirm the exact choices on a quote.
- Annual limit
- Choose from several annual limits up to unlimited (reported around $5,000–$15,000 or unlimited — confirm on a quote).
- Dental
- Covers injury and disease of every adult tooth and the gums. Routine cleanings via the wellness add-on.
- Alternative therapy
- Acupuncture, chiropractic, hydrotherapy and physiotherapy covered when vet-supervised.
- Wellness
- Optional Fetch Wellness add-on covers routine exams, vaccines and dental cleanings.
- Waiting periods
- Accidents none, illness 15 days, orthopedic/cruciate 6 mo. No accident waiting period. The 180-day orthopedic exclusion can be waived for knee conditions if a vet exam within 180 days records no pre-existing knee issues.
- Eligibility
- No maximum enrollment age. Minimum age 6 weeks. Not sold in New Brunswick, Quebec.
- Multi-pet discount
- None offered.
- Underwriter
- AXIS Reinsurance Company (Canadian Branch); administered by Fetch Insurance Services
Good to know
- •Flexible limits, up to unlimited
- •Choose 70%, 80% or 90% reimbursement
- •No accident waiting period
- •Dental injury and disease covered
- •Includes online vet telehealth
Watch out for
- !Not available in Quebec or New Brunswick
- !Reimbursement model — pay the vet, then claim
- !180-day orthopedic exclusion — waivable for knee conditions with a clear vet exam
- !You must see a vet within 48 hours of first noticing symptoms, or the claim can be denied
- !Only the first anesthetic foreign-object removal per policy year is covered
- !No formal multi-pet discount