What is a pet insurance waiting period?

Program not available in New Brunswick and Quebec.

Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. In ME, there is no waiting period for accidents and injuries, and a 15-day waiting period for illnesses, as of January 1, 2023. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the waiting period or prior to the first exam, are excluded from coverage. Risk-free cancellation terms vary by state.

This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval.  If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.
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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.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch by The Dodo, Fetch by The Dodo, LLC in Michigan & New Mexico, and Fetch by The Dodo Insurance Services, LLC in 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. ©2023 Fetch, Inc. Information accurate as of August 2023.
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Fetch Forward and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.

Fetch is a registered trademark owned by Fetch, Inc. Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc.

Unmatched according to The Dodo, May 2022. The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. The arrangement between Fetch and The Dodo includes an equity stake, as well as brand licensing and marketing services through which The Dodo, and its affiliate, may be compensated to promote Fetch offerings. 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.
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Average monthly premiums are based on Canadian 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 12/31/2022.

Healthy Pet Credit: for each 12 month period that your enrolled pet goes without a paid pet insurance claim reimbursement, Fetch applies a 15% Healthy Pet Credit to your subsequent policy premium, up to a 30% maximum total. This credit may not be available in all states.

Fetch Wellness Insurance Coverage is insurance coverage. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

1 out of 3 pets needs unexpected veterinary care each year according to Carroll Hospital Center. February 2022.