Fetch vs PC: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch and PC Pet Insurance 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, PC wins 4 to 2. 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 PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points.
| Feature | Fetch 2.5/5 | PC 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 | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $35 |
| 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 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
PC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
Fetch vs PC: FAQ
Is Fetch or PC better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (4 vs 2), 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. PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points.
Which has a shorter waiting period, Fetch or PC?
Fetch has a 15 days illness waiting period and none for accidents. PC has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Fetch or PC?
Average monthly premiums for a dog are about $50 with Fetch and $35 with PC. Your actual price depends on your pet's age, breed, and location.
Are Fetch and PC available in Quebec?
Fetch is not available in Quebec. PC is available in Quebec.
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