Terms change. Check the insurer’s policy before buying.
Best for
- owners who want sick-visit exam fees covered
Who should skip it
- people in provinces it does not cover (program not available in New Brunswick and Quebec)
The verified terms, in plain English
- Underwriter: AXIS Reinsurance Company (Canadian Branch) source
- Reimbursement: up to 90% source
- Waiting period: accidents: none source
- Waiting period: illness: up to 15 days source
- Exam fees covered: yes, sick-visit exam fees are covered source
- Curable pre-existing conditions: curable pre-existing conditions covered; other pre-existing conditions not covered source
- Dental illness: injury and disease in all adult teeth covered; no dental sublimit source
- Hereditary conditions: breed-linked hereditary conditions covered source
- Wellness add-on: optional add-on covering annual exams, vaccines, spay/neuter, dental cleaning, parasite prevention source
- Provinces not covered: program not available in New Brunswick and Quebec source
- How claims work: pay the vet, photograph paid invoice and medical records, submit in the Fetch app; paid by direct deposit source
What we could not verify
deductible type, deductible options, annual limit, waiting period: orthopedic, bilateral exclusion, pays the vet directly, multi-pet discount, money-back period
Worked example (modelled)
The worst single bill our cost index models for a Golden Retriever in Calgary is about $16,200 (a modelled estimate from published fee data, not a quote).
- At 90% reimbursement the insurer would pay up to $14,580 and you would pay $1,620, plus your deductible.
We could not verify an annual limit.
Deductibles, exclusions and waiting periods change what is paid. Check the policy wording.
See how we make money. We are not an insurance broker and this is not advice.