If you're new to pet insurance, there's one phrase you should get to know: pre-existing conditions. And for those unfamiliar with what this term actually means, it’s a good thing you landed on our article.
In terms of insurance, a pre-existing condition is any injury, illness or condition that occurs (or that your pet shows signs of) before you enroll or during the waiting period of up to 15 days. It’s important to know how pre-existing conditions can impact if you’ll get paid back for pet insurance claims.
Like other pet insurance providers, Fetch Pet Insurance doesn’t cover pre-existing conditions. That’s why we recommend signing your cat or dog up for pet insurance while they’re young or as soon as you welcome them into your life so that we can cover future accidents or illnesses.
And while Fetch doesn’t cover pre-existing conditions, we’re still the most comprehensive pet insurance provider. Here are all the ways we’ll help you to cover your pet’s medical expenses:
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Some of the most common pre-existing conditions we hear about at Fetch are cancers, allergies, diabetes, arthritis, heart diseases and knee disorders. Make sure your pet is signed up when they’re young so we can cover them if they develop any conditions
The waiting period, which begins the day after you enroll and can be up to 15 days, is a set period before your coverage kicks in and you can be paid back for claims. Here’s what you need to know about the waiting period:
There’s also a 6-month exclusionary period before injuries of the hips and knees can be covered.
You can waive the 6-month exclusionary period for knee conditions and disorders by having your pet examined by a vet in the first 30 days of your policy to determine and document that they don’t have any relevant pre-existing conditions.
Yes! Even if your pup (or cat) has pre-existing conditions, we still urge you to sign up for Fetch Pet Insurance so we can be there for things they haven’t been diagnosed with or any future accidents. As pet parents, we know you’ll do anything to keep your pet happy and healthy, so sign up for Fetch Pet Insurance today or learn more at fetchpet.com.
The Dig, Fetch Pet Insurance's expert-backed editorial, answers all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park. We help make sure you and your best friend have more good days, but we’re there on bad days, too.
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