Fetch vs Pets Plus Us: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch and Pets Plus Us 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 Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members.
| Feature | Fetch 2.5/5 | Pets Plus Us 2.1/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | Unlimited | $15,000 |
| 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 | $45 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.5/5 | 2.1/5 |
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
Pets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
Fetch vs Pets Plus Us: FAQ
Is Fetch or Pets Plus Us 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. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members.
Which has a shorter waiting period, Fetch or Pets Plus Us?
Fetch has a 15 days illness waiting period and none for accidents. Pets Plus Us has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Fetch or Pets Plus Us?
Average monthly premiums for a dog are about $50 with Fetch and $45 with Pets Plus Us. Your actual price depends on your pet's age, breed, and location.
Are Fetch and Pets Plus Us available in Quebec?
Fetch is not available in Quebec. Pets Plus Us is available in Quebec.
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