Pre-existing conditions are not covered. A pre-existing condition is a medical condition which first occurred or showed clinical sign(s) before the effective date of the policy or which occurred or showed clinical sign(s) during the policy waiting period.
Congenital Defects or Abnormalities are defined as any condition(s), abnormality(ies) or disorder(s) present at and existing from the birth of your pet.
Other exclusions may apply. Please refer to the exclusions section of the policy for more information.
Coverage includes annual limits, per-incident or annual deductibles, and copay amounts as specified on your declarations page.
There is a 15 day waiting period for accidents and illnesses beginning on the effective date of your policy during which coverage will not be provided.
Premiums may be increased and coverage may be reduced based on your pet’s individual claim history.
Claims are reimbursed for any medically necessary treatment your pet has received during the policy period for a covered illness or injury, up to the maximum annual limit and subject to the copay and deductible amounts as specified on your declarations page.
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. Not all coverages or options offered 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.
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 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 by The Dodo Partner. Best pet insurance according to Consumer Rating January 2023. Based on a comparison of top pet insurance companies on ConsumerRating.org. Consumer Rating is a Fetch by The Dodo Partner.
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.
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.
Policies in force and number of pets helped based on Fetch data as of 12/31/2022.