Notice for Florida Residents
FLORIDA INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS
As of January 1, 2026
The following is a summary notice of some of your policy terms and conditions. Please read your policy fully to understand all terms and conditions.
You have 30 days after the date you receive this policy, certificate, or rider to review and return it to the company if you decide not to keep it. You do not have to tell the company why you are returning it. If you decide not to keep policy, certificate, or rider, simply return it to the company at the company's administrative office, or to the insurance agent or broker from whom you bought it, as long as you have not filed a claim. You must return the policy, certificate, or rider within 30 days after the day you first receive it in order to receive a refund. The company must refund the full amount of any premium paid within 30 days after it receives the returned policy, certificate, or rider. The premium refund will be sent directly to the person who paid it. The policy, certificate, or rider will be void as if it had never been issued.
- Pre-existing conditions are not covered. Please see the definition of preexisting conditions below and in your policy forms.
- Congenital anomaly(ies) or disorder(s) where clinical sign(s) were apparent prior to the effective date of the policy or that became apparent during the waiting period beginning on the effective date of this policy are not covered. Please see the definition of Congenital anomaly(ies) or disorder(s) below and in your policy forms.
- There is a one (1) year exclusionary period for any curable medical condition that is observed, recorded, or identified up to one (1) year prior to the original inception date of the policy, during the waiting period, or during your pet’s first exam. If during the subsequent one (1) year period, the curable medical condition has not reoccurred, been treated or shown clinical (sign(s), the condition becomes eligible for coverage. If, however, within the subsequent one (1) year or sometime after, the same curable medical condition reoccurs, is treated, or shows clinical sign(s)then it will be excluded from coverage for the life of your pet. Please see the definition of curable medical condition below and in your policy forms.
Other exclusions may apply. Please refer to the exclusions section of your policy for more complete information.
Please see the below definitions:
- “Pre-existing condition” means a condition for which any of the following is true before the effective date of or during a waiting period applicable to a pet insurance policy:
(1) A veterinarian provided medical advice.
(2) The pet received previous treatment.
(3) Based on information from verifiable sources, the pet had signs or symptoms directly related to the condition for which a claim is being made.
A condition for which coverage is afforded on a policy is not deemed to be a preexisting condition on any renewal of the policy.
- “Congenital anomaly(ies) or disorder(s)” means any condition that is present from birth, whether inherited or caused by the environment, which may cause or contribute to illness or disease.
- “Curable Medical Condition” means any medical condition or injury that can be completely resolved without recurrence or any manifestations of clinical signs.
- “First Exam” means the earliest in person comprehensive exam of your pet administered by a veterinarian encompassing all body systems of the pet that is documented in a written veterinarian record.
- “Orthopedic” means a condition that affects the bones, skeletal muscle, cartilage, a tendons, ligaments, or joints. The term includes, but is not limited to, elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and cranial cruciate ligament rupture, but does not include any cancer or any metabolic, hematopoietic, or autoimmune disease.
- “Pet insurance” means an insurance policy, including pet insurance certificates, that provides coverage for accidents and for illnesses and diseases of pets. Such insurance reimburses a policyholder for expenses associated with medical advice, diagnosis, care, or treatment provided by a veterinarian, including, but not limited to, the cost of drugs prescribed by the veterinarian.
- “Renewal” means the issuance and delivery at the end of an insurance policy period of a policy that supersedes the policy previously issued and delivered by the same pet insurer or affiliated pet insurer and that provides types and limits of coverage substantially similar to those contained in the policy being superseded.
- “Veterinarian” means a health care practitioner who is licensed to engage in the practice of veterinary medicine in this state under chapter 474.
- “Waiting period” Means the period of time specified in a pet insurance policy which is required to run before some or all of the coverage in the policy may begin. This period may not be applied to renewals of existing coverage. There is a fifteen (15) day period beginning on the original inception date of this policy during which we will not cover any injury resulting from normal activity, illness, behavioral disorder, or any other coverage provided by this policy, except for, or resulting from, an accident to your pet. Accidents or injuries resulting from an unexpected event do not have a waiting period.
There is a thirty (30) day period beginning on the effective date of this policy during which we will not cover any orthopedic condition not resulting from an injury or accident.
The waiting period will not apply to any renewal of your policy if renewal coverage is continuously maintained with us. Medical conditions for which clinical sign(s) were observed during the waiting period are excluded from this policy as pre-existing conditions. (See also Section V.e.) However, we will allow for waiver of the waiting period with a comprehensive exam of your pet administered by a veterinarian encompassing all body systems of the pet that is documented in a written veterinarian record within the first fifteen (15) days after the original inception date of the policy for any injury resulting from normal activity, illness, behavioral disorder, or any other coverage provided by this policy. We will allow for a waiver of the waiting period for orthopedic conditions of the knees if your pet is examined by a veterinarian within the first thirty (30) days after the original inception date of the policy and the medical record specifically notes your pet does not have any pre-existing conditions relating to the knees, subject to the waiting period for orthopedic conditions. The written medical record should specifically note your pet does not have any pre-existing conditions.
Additional Policy Provisions:
- Coverage includes annual limits, per-incident or annual deductibles, and co-pay amounts as specified on your declarations page.
- Waiting Periods and any Exclusionary Periods begin on your effective date which is listed on your Declarations Page.
- You must take care of your pet and arrange and pay for your pet to have the following:
- A First Exam;
- Any treatment recommended for your pet by a veterinarian to prevent illness or injury including, but not limited, to an annual physical examination, dental examination, or preventative veterinary medication;
- Adequate and prudent care of your pet including, but not limited to, protecting your pet from any exacerbation and/or persistence of any injury or illness after initial occurrence or accident. This includes protecting your pet with proper maintenance and preventative care as recommended by a veterinarian.
- If your pet has not had a first exam within 12 (twelve) months prior to or (30) thirty days after the original inception date of the policy, you must arrange to have a first exam of your pet examined at your own expense as early as possible. Failure to have a first exam may reduce coverage provided by your policy for your pet. (see V. General Exclusions, mm.)
- Premiums may be increased and coverage may be reduced based on your pet’s individual claim history. Premiums are also affected by your geographic location, pet's age, and breed
- VETERINARY FEES, PRESCRIBED DRUGS AND SUPPLEMENTS
We will reimburse you for the reasonable cost(s) of any medically necessary:
- treatment during the policy period for a covered accident, illness or injury except where coverage is not available or deemed invalid;
- pharmaceuticals that can only be obtained by means of a veterinarian prescription to treat an illness or injury in the quantity of ninety (90) days or less;
- supplements.
This coverage is subject to the maximum annual policy coverage shown on your declarations page. All coverage is subject to any applicable co-pay, deductible or sub-limit
- Claims are reimbursed for any medically necessary treatment your pet has received during the policy period for a covered illness or injury. This is subject to calculating the co-pay, then the deductible and then we reimburse up to the maximum annual limit as specified on your declarations page, subject to any exclusions, annual sublimits and the policy terms and conditions.
- You must complete and send to us a claim form describing the loss as soon as practicable but no later than ninety (90) days after the date of treatment. This form must list the following information:
- Your name;
- The description of your pet;
- Your policy number; and
- Description of claimed illness or injury.
- You may cancel this policy at any time by calling us and stating the future date that you wish the cancellation to be effective. The cancellation will be effective on the last day of your billing cycle at the time of the cancellation request or 30 days thereafter, whichever is sooner. We will not backdate a cancellation unless you provide written proof that your pet has passed away or is no longer in your possession. If you notify us within the first thirty (30) days from the original inception date shown on the declarations page, and you have not submitted any claim against this policy, we will refund the entire premium. After thirty (30) days, we will return the pro rata premium based upon the date of termination of this policy.
Other exclusions may apply. Please refer to the exclusions section of your policy for more information.
Florida Office of Insurance Regulation:
200 E Gaines Street
Tallahassee, FL 32399
Phone: (850) 413-3140
Toll-Free: 1-800-HELP-FLA (435-7352
Website: https://floir.com
Florida Division of Consumer Services:
Florida Department of Financial Services
Division of Consumer Services
200 East Gaines Street
Tallahassee, FL 32399-0322
Statewide toll-free helpline at 1-877-MY-FL-CFO (1-877-693-5236)
Out of State Callers: (850) 413-3089
[email protected]
Website: fdacs.gov/Consumer Affairs.
AXIS Insurance Company:
AXIS Insurance Company
10000 Avalon Boulevard, Suite 200
Alpharetta, GA 30009
Telephone: 1-888-870-2947
Fetch Customer Service Contact Information:
P.O. Box 1489
Bolingbrook, IL 60440
Phone: (866) 467-3875 (Mon-Fri 9:00am-6:00pm EST)
Website: fetchpet.com/contact-us
Please read all of the provisions of the policy carefully. This notice is only a highlight of a few of the important items.