Petsecure vs Fetch: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure and Fetch 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, Petsecure wins 3 to 2. That said, the right pick depends on your pet: Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options.
| Feature | Petsecure 4.1/5 | Fetch 2.5/5 |
|---|---|---|
| Max reimbursement | 80% | 90% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | 48 hours | None |
| Illness waiting period | 14 days | 15 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | Yes |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $50 |
| Available in Quebec | Yes | No |
| Multi-pet discount | 5% | 5% |
| Customer rating | 4.1/5 | 2.5/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuoteFetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
Fetch: 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
Petsecure vs Fetch: FAQ
Is Petsecure or Fetch better for pet insurance in Canada?
Petsecure comes out ahead on more of our scored factors (3 vs 2), but the best choice depends on your pet. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options.
Which has a shorter waiting period, Petsecure or Fetch?
Petsecure has a 14 days illness waiting period and 48 hours for accidents. Fetch has a 15 days illness waiting period and none for accidents.
Which is cheaper, Petsecure or Fetch?
Average monthly premiums for a dog are about $50 with Petsecure and $50 with Fetch. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and Fetch available in Quebec?
Petsecure is available in Quebec. Fetch is not available in Quebec.
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