Fetch vs Desjardins: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch and Desjardins for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Fetch wins 4 to 3. That said, the right pick depends on your pet: Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options, while Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service.
| Feature | Fetch 2.5/5 | Desjardins 3.5/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | None | 48 hours |
| Illness waiting period | 15 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $55 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.5/5 | 3.5/5 |
Fetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuoteDesjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuoteFetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Flexible reimbursement options (70/80/90%)
- Fast claims processing (2 days)
- No upper age limit
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
Desjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Gold plan offers unlimited coverage with wellness
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for orthopedic conditions
- Deductible increases with pet's age
- Bronze plan is quite limited
- Doesn't cover exam fees
Fetch vs Desjardins: FAQ
Is Fetch or Desjardins better for pet insurance in Canada?
Fetch comes out ahead on more of our scored factors (4 vs 3), but the best choice depends on your pet. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service.
Which has a shorter waiting period, Fetch or Desjardins?
Fetch has a 15 days illness waiting period and none for accidents. Desjardins has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Fetch or Desjardins?
Average monthly premiums for a dog are about $50 with Fetch and $55 with Desjardins. Your actual price depends on your pet's age, breed, and location.
Are Fetch and Desjardins available in Quebec?
Fetch is not available in Quebec. Desjardins is available in Quebec.
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