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Pet Insurance 101

What is a pre-existing condition?

Let’s set the record straight

If you’re looking to sign up for pet insurance, you’ve likely seen or heard the term “pre-existing condition” in your research. It’s a word that gets thrown around a lot in the pet insurance space and  it’s understandable to feel overwhelmed by jargon like this. 

That’s why we’re breaking down what “pre-existing conditions” really means to make this experience as straightforward as possible.


A pre-existing condition is a health condition your pet had before they were signed up for pet insurance (or during the 15-day policy waiting period). This could be a previously diagnosed issue like allergies, heart disease or degenerative joint disease. Like all other pet insurance providers, Fetch doesn’t cover any conditions that your pet had before signing up.

The best pet insurance, period.

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How to get the most out of your coverage

To maximize your coverage, you should sign your pet up when they’re young or immediately after adopting. If your vet gives your pet a clean bill of health (meaning they don’t have any pre-existing conditions), anything that happens after that date will be covered by insurance.

What’s the Fetch difference? 

While no pet insurance providers cover pre-existing conditions, we at Fetch try to do the most for your pet. If a condition your pet once had doesn’t show symptoms for a full year, it could be covered by Fetch if the symptoms come back. 

Sometimes pet insurance lingo can be confusing, but with our lingo breakdown, you can navigate the insurance realm with confidence.

Team Fetch

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