Pet Insurance

What is a waiting period for pet insurance?

The waiting period, which begins the day after you enroll, is a set period of time, of up to 15 days, before your coverage kicks in and you can be paid back for claims. Here’s what you need to know about the waiting period:

We cover conditions that occur after the waiting period of up to 15 days.
Any claims you submit during the waiting period will not be covered.
Any accident, injury or illness that occurs during the waiting period will be considered a pre-existing condition, which means it won’t be eligible for coverage.

There’s also a 6-month waiting period before injuries of the hips and knees can be covered.

How to waive the waiting period for knee injuries‍

Want your pet’s knees to be covered right away? Have your pet examined by a veterinarian within 30 days of enrollment to determine that they don’t have any relevant pre-existing conditions. Then submit detailed medical records from that vet visit the first time you file a claim. (To make sure you get the right kind of medical records, tell the vet you need “SOAP notes.”)

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The questions pet parents ask us the most

Pet Insurance

What are the different types of pet insurance?

Can you get pet insurance before surgery?

What is a pre-existing condition?

What is a waiting period for pet insurance?

Claims

How does the claims submission method work?

How can I track my pet insurance claim?

When can I submit a pet insurance claim?

Where can I find Fetch Pet Insurance medical and claims forms?

Coverage

Does pet insurance cover prescription food?

Does pet insurance cover vaccinations & shots?

Does pet insurance cover dental?

Does pet insurance cover medication?

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This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.