Pet Insurance FAQs

Have questions about pet insurance? Whether you're already enrolled with Fetch or still in the market for a pet insurance plan, we can help.

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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Are some cat and dog breeds not covered by insurance?
Can I cancel or change my Fetch Pet Rx order?
Can I get a pet wellness plan on its own?
Can I order from Fetch Pet Rx if I live in Canada?
Can you get pet insurance before surgery?
Can you get pet insurance if your pet is already sick?
Can you have two pet insurance policies with Fetch?
Do I need to submit a claim after I purchase through Fetch Pet Rx?
Do you have a pet insurance app?
Do you save money with pet insurance?
Does Fetch Pet Insurance cover exam fees?
Does Fetch Pet Insurance have a free trial?
Does Fetch Pet Rx do price matching?
Does Fetch Pet Rx only offer prescriptions?
Does Fetch have a pet insurance claim tracker?
Does Fetch offer a pet insurance military discount?
Does dog insurance cover pre-existing conditions?
Does my annual deductible reset every year?
Does pet insurance cover MRI scans?
Does pet insurance cover anxiety medication?
Does pet insurance cover cremation?
Does pet insurance cover dental?
Does pet insurance cover flea, tick and heartworm medication?
Does pet insurance cover grooming?
Does pet insurance cover medication?
Does pet insurance cover non-prescription items from Fetch Pet Rx?
Does pet insurance cover physical therapy?
Does pet insurance cover prescription food?
Does pet insurance cover training?
Does pet insurance cover vaccinations & shots?
Does pet insurance cover vet consultations?
Does pet insurance include wellness coverage?
How can I order my pet’s medication on Fetch Pet Rx?
How can I track my Fetch Pet Rx order?
How can I track my pet insurance claim?
How do I cancel my Fetch Pet Insurance policy?
How do I create a Fetch Pet Rx account?
How do I submit a claim for Fetch Pet Rx medication?
How do I submit pet wellness claims?
How do I switch to Fetch Pet Rx?
How do you add a pet to your existing pet insurance plan?
How does adding wellness enhance Fetch Pet Insurance?
How does reimbursement work?
How does the claims submission method work?
How long does pet insurance take to kick in?
How many people have pet insurance?
How much does pet insurance cost?
How often should you take your pet to the vet?
How to pay for an emergency vet visit?
Is Fetch Pet Rx an accredited pharmacy?
Is Fetch Pet Rx cheaper than other pet pharmacies?
Is Petplan now Fetch Pet Insurance?
Is pet insurance effective immediately?
Is pet insurance worth it?
Is there a deductible for pet wellness?
Is there a waiting period for pet wellness?
Should I get pet insurance for my indoor dog?
Should you get pet insurance before going to the vet?
What are boarding fees in pet insurance?
What are the different types of pet insurance?
What can I claim on pet insurance?
What does “no annual policy limit” mean?
What happens after I place my prescription order through Fetch Pet Rx?
What is Fetch Pet Rx?
What is a pre-existing condition?
What is a waiting period for pet insurance?
What is an annual deductible in pet insurance?
What is an annual pet insurance deductible?
What is generally covered by pet insurance?
What is preventive care for dogs and cats?
What products can I order from Fetch Pet Rx?
What should I know about the Fetch Health Forecast?
What’s a maximum annual payout?
What’s the cancellation policy?
When can I submit a pet insurance claim?
When should you get Fetch Pet Insurance?
Where can I find Fetch Pet Insurance medical and claims forms?
Why should I order my pet's meds from Fetch Pet Rx instead of the vet?
Pet Insurance
Fetch Wellness
Claims
Coverage
Cost
Fetch Pet Rx
My Account

Are some cat and dog breeds not covered by insurance?

Pet Insurance

Can you get pet insurance before surgery?

Pet Insurance

Can you get pet insurance if your pet is already sick?

Pet Insurance

How long does pet insurance take to kick in?

Pet Insurance

How many people have pet insurance?

Pet Insurance

Is pet insurance effective immediately?

Pet Insurance

Is pet insurance worth it?

Pet Insurance

Should I get pet insurance for my indoor dog?

Pet Insurance

Should you get pet insurance before going to the vet?

Pet Insurance

What are boarding fees in pet insurance?

Pet Insurance

What are the different types of pet insurance?

Pet Insurance

What is a pre-existing condition?

Pet Insurance

What is a waiting period for pet insurance?

Pet Insurance

When should you get Fetch Pet Insurance?

Pet Insurance

Does dog insurance cover pre-existing conditions?

Coverage

Does pet insurance cover MRI scans?

Coverage

Does pet insurance cover anxiety medication?

Coverage

Does pet insurance cover cremation?

Coverage

Does pet insurance cover dental?

Coverage

Does pet insurance cover flea, tick and heartworm medication?

Coverage

Does pet insurance cover grooming?

Coverage

Does pet insurance cover medication?

Coverage

Does pet insurance cover physical therapy?

Coverage

Does pet insurance cover prescription food?

Coverage

Does pet insurance cover training?

Coverage

Does pet insurance cover vaccinations & shots?

Coverage

Does pet insurance cover vet consultations?

Coverage

How often should you take your pet to the vet?

Coverage

What is generally covered by pet insurance?

Coverage

Do you save money with pet insurance?

Cost

Does Fetch Pet Insurance cover exam fees?

Cost

Does Fetch Pet Insurance have a free trial?

Cost

Does Fetch offer a pet insurance military discount?

Cost

Does my annual deductible reset every year?

Cost

How much does pet insurance cost?

Cost

How to pay for an emergency vet visit?

Cost

What does “no annual policy limit” mean?

Cost

What is an annual deductible in pet insurance?

Cost

What is an annual pet insurance deductible?

Cost

What’s a maximum annual payout?

Cost

What is Fetch Pet Rx?

Fetch Pet Rx

Is Fetch Pet Rx an accredited pharmacy?

Fetch Pet Rx

How can I order my pet’s medication on Fetch Pet Rx?

Fetch Pet Rx

What products can I order from Fetch Pet Rx?

Fetch Pet Rx

How do I submit a claim for Fetch Pet Rx medication?

Fetch Pet Rx

Does pet insurance cover non-prescription items from Fetch Pet Rx?

Fetch Pet Rx

Can I cancel or change my Fetch Pet Rx order?

Fetch Pet Rx

How do I create a Fetch Pet Rx account?

Fetch Pet Rx

How can I track my Fetch Pet Rx order?

Fetch Pet Rx

Can I order from Fetch Pet Rx if I live in Canada?

Fetch Pet Rx

Do I need to submit a claim after I purchase through Fetch Pet Rx?

Fetch Pet Rx

How do I switch to Fetch Pet Rx?

Fetch Pet Rx

Why should I order my pet's meds from Fetch Pet Rx instead of the vet?

Fetch Pet Rx

Does Fetch Pet Rx do price matching?

Fetch Pet Rx

Is Fetch Pet Rx cheaper than other pet pharmacies?

Fetch Pet Rx

What happens after I place my prescription order through Fetch Pet Rx?

Fetch Pet Rx

Does Fetch Pet Rx only offer prescriptions?

Fetch Pet Rx

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FAQs

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 AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2025 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. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

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.

Fetch Health Perks offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Health Perks program or site. Fetch Health Perks is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company.

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