What is a pet insurance waiting period?

Like all pet insurance providers, when you sign up for Fetch by The Dodo there’s a waiting period before you are able to submit claims. Waiting periods vary state by state, and with Fetch pet insurance, the waiting period for injuries and illnesses is never longer than 15 days.

For knee and hip issues, the waiting period is 6 months. The knee, CII (cartilage type II) and ACL waiting period is also 6 months. You can bypass the waiting periods for just your pet's knees by having your vet examine them.

The curable exclusionary period is 12 months. That means if your pet has a curable condition on their medical record, they need to go 12 consecutive months without experiencing that condition for it to be eligible for coverage.