What is a pet insurance waiting period?

Discounts subject to approval and are subject to change at any time. Maximum available discount is 10%. Discounts may not be available in all states. Renewals are not eligible for this promotion. Not valid with any other offer. Exam fees based on average costs. Charitable donations offer is not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $10 in MI and UT, and $15 in AL. Not available in Canada in NB and QC. This offer is subject to change at any time without notice.
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Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. In ME, there is no waiting period for new accidents and injuries, and a 15-day waiting period for all other conditions, 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, limitations and exclusions to coverage. Not all coverages or options stated above may apply to each policyholder. 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. Coverage subject to terms and conditions, less any applicable policy limits, deductible or copay, and pursuant to all policy exclusions. Policy terms and conditions may vary by state and are subject to change without notice.
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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. ©2022 Fetch, Inc. Information accurate as of December 2022.
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Program not available in New Brunswick and Quebec.
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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.
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Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc. Fetch is a registered trademark owned by Fetch, Inc.
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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.
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Most comprehensive according to Consumer's Advocate, August 2022. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on ConsumersAdvocate.org. Consumer Advocate is a Fetch by The Dodo Partner. Best pet insurance according to Consumer Voice February 2022. Consumer Voice is a Fetch by The Dodo Partner. Most extensive according to Consumers Advocate, June 2022. Consumer Advocate is a Fetch by The Dodo Partner.
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Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2020 through 12/31/2020 and all available limit combinations. Exam fees based on average costs. 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. Number of policy in force and number of pets helped based on Fetch data as of 10/1/2022.