Fetch Pet Insurance logo.


Does dog insurance cover pre-existing conditions?

Pre-existing conditions are usually not covered by pet insurance. A pre-existing condition is any injury, illness or condition that you or your veterinarian notice your pet has (or shows signs of) either:

  • Before you enroll
  • Before your policy’s effective date
  • Or during the waiting period of up to 15 days

Some pre-existing conditions can be covered. A medical condition or injury that can be completely resolved without recurrence, or showing any clinical signs, is considered a curable medical condition. And good news, we’ve got your back. If your pet goes 12 months from the day you signed up for Fetch pet insurance without showing signs of a curable condition, it may be covered in your plan moving forward.

Fetch pays back up to 90% of unexpected vet bills

The most comprehensive pet insurance

$1000 in online vet visits - included

No enrollment fee

Get your free quote now

Looking for something else?

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get your price