Coverage at a glance
Both are positioned as flexible, customizable pet insurance, but they take different routes to get there. Here's the 2026 side-by-side, verified against current policy documents.
| Feature | Pets Plus Us | Fetch |
|---|---|---|
| Reimbursement rate | 70 / 80 / 90% selectable | 70 / 80 / 90% selectable |
| Annual payout cap | $5,000 – $20,000 / year | $5,000 – $25,000 / year |
| Deductible structure | Annual | Annual |
| Wellness add-on | Yes (Flex Care add-on) | Not currently in Canada |
| Behavioural treatment | Yes | Yes |
| Alternative therapies | Yes (with limits) | Yes |
| Canadian availability | All provinces | Limited — confirm before applying |
| Max enrolment age | 10 years (some plans) | 14 years (varies) |
| Waiting period (illness) | 14 days | 15 days |
Advertisement
Responsive
Where each one wins
✓ Pets Plus Us shines when…
- You want a Canadian-built plan with confirmed nationwide service
- You want to add wellness without changing insurers
- Your vet is already in Pets Plus Us's preferred network
✓ Fetch shines when…
- Your pet is older and you want a higher max enrolment age
- You want the broadest possible covered-conditions list
- You've confirmed Fetch is available in your province
The honest verdict
Our Recommendation
For Canadian pet owners who want a customizable plan with full national availability and wellness as a real option, Pets Plus Us is the stronger default. The Flex Care add-on is one of the better Canadian wellness modules.
Fetch is a niche pick — broader medical scope (alternative therapies, behavioural treatment) but the Canadian post-rebrand availability gap means you should always get a live quote in your province before committing.
Frequently asked questions
Is Pets Plus Us owned by a Canadian insurer?
Yes — Pets Plus Us is underwritten in Canada by Northbridge General Insurance. It's a Canadian operation with full provincial regulator oversight.
Does Fetch still cover Canadian pets after the Petplan rebrand?
Existing Petplan Canada policies were migrated to Fetch; new-policy availability varies by province. Confirm before applying.
Which is cheaper for a senior dog?
Pets Plus Us caps new enrolment age lower than Fetch on some plans, but its renewal pricing for seniors is typically more stable. Get quotes from both — premium differences for senior dogs vary widely by breed and province.
Can I switch between them mid-policy?
Yes, but any condition diagnosed under your current insurer will likely be flagged as pre-existing and excluded on the new policy. Switching insurers for a healthy young pet is fine; switching to save money on an older pet with conditions rarely is.