Coverage at a glance
Petsecure is one of the oldest Canadian-domestic pet insurance brands; Fetch was previously known as Petplan in Canada before a rebrand and partial market exit. The two are still being shopped against each other on legacy comparison content, so here's how they actually line up in 2026.
| Feature | Petsecure | Fetch |
|---|---|---|
| Reimbursement rate | 80% standard | 70–90% selectable |
| Annual payout cap | $15,000 / year | $5,000 – $25,000 / year |
| Deductible structure | Annual | Annual |
| Wellness add-on | Yes (Wellness Care) | Not currently in Canada |
| Dental illness included | Yes | Yes |
| Behavioural treatment | No | Yes |
| Canadian availability | All provinces and territories | Limited — confirm before applying |
| Max enrolment age | No upper limit | 14 years (varies) |
| Waiting period (illness) | 14 days | 15 days |
Where each one wins
✓ Petsecure shines when…
- You want a Canadian-domestic insurer with confirmed nationwide service
- Your pet is 7+ and you want predictable annual deductibles
- You want wellness coverage as an actual add-on, not an extra workaround
✓ Fetch shines when…
- You want flexibility to dial reimbursement rate and payout cap up or down
- Your pet has behavioural concerns (anxiety, aggression) that need covered treatment
- You've already confirmed Fetch sells in your province
The honest verdict
Our Recommendation
For Canadian pet owners who want a no-surprises domestic policy with broad availability, Petsecure is the safer pick. The plan structure is straightforward, wellness can be added, and there's no upper age limit on enrolment.
Fetch is worth considering only if you've confirmed availability in your province and want the broader covered-conditions list (especially behavioural treatment). Coverage looks great on paper, but Canadian policy access has been inconsistent post-rebrand — get a live quote before committing.