Notice for New Jersey residents

NEW JERSEY INSURER DISCLOSURE OF IMPORTANT POLICY PROVISIONS

Effective as of October 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 BUSINESS DAYS FROM THE DAY YOU RECEIVE THIS POLICY, CERTIFICATE OR RIDER TO REVIEW IT 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 IT, SIMPLY RETURN IT TO THE COMPANY AT ITS ADMINISTRATIVE OFFICE OR YOU MAY RETURN IT TO THE AGENT OR INSURANCE PRODUCER THAT YOU BOUGHT IT FROM AS LONG AS YOU HAVE NOT FILED A CLAIM. YOU MUST RETURN IT WITHIN 30 BUSINESS DAYS OF THE DAY YOU FIRST RECEIVED IT. THE COMPANY WILL REFUND THE FULL AMOUNT OF ANY PREMIUM PAID WITHIN 30 BUSINESS 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 three hundred sixty-five (365) day curable exclusionary period for any curable medical condition that is observed, recorded, or identified up to three hundred sixty-five days prior to the original inception date of the policy or during the waiting period. Any such curable medical condition that does not reoccur within the first curable exclusionary period will be coverable provided an annual exam is conducted by a veterinarian dated after the curable exclusionary period and before the first reoccurrence of such curable medical condition. If the curable medical condition does reoccur within the curable exclusionary period after the original inception date then a second curable exclusionary period will apply after the first three hundred sixty-five (365) days. At the end of the second curable exclusionary period any such curable medical condition that did not reoccur during the second curable exclusionary period will be coverable provided an annual exam is conducted by a veterinarian dated after the second curable exclusionary period and before the second reoccurrence of such curable medical condition. If the same curable medical condition reoccurs during the second curable exclusionary period 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 any condition for which any of the following are true prior to the original inception date of a pet insurance policy or during any waiting period or during your pet’s first exam:

(1) A veterinarian provided medical advice;

2. The pet received previous treatment; or
3. Based on information from verifiable sources, the pet had clinical 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 cannot be considered 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 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 Conditions” refers to conditions affecting the bones, skeletal muscle, cartilage, tendons, ligaments, and joints. It includes, but is not limited to, elbow dysplasia, hip dysplasia, intervertebral disc degeneration, patellar luxation, and ruptured cranial cruciate ligaments. It does not include cancers or metabolic, hemopoietic, or autoimmune diseases.
• “Pet, Your Pet” means a member of the kingdom of living beings, commonly known as a domestic animal, that has the capacity for spontaneous movement and rapid motor response to stimulation, yet is not human, and which has been adapted or tamed to live in intimate association with, and for the pleasure or advantage of, the human species. This policy will only cover any dog or cat named and described on the declarations page and for which a premium has been paid.
• “Pet insurance” means a property insurance policy that provides coverage for accidents, injuries and illnesses of pets.
• “Renewal” means to issue and deliver at the end of an insurance policy period a policy which supersedes a policy previously issued and delivered by the same pet insurer or affiliated pet insurer and which provides types and limits of coverage substantially similar to those contained in the policy being superseded.
• “Veterinarian” means an individual who holds a valid license to practice veterinary medicine pursuant to P.L. 1938, c.277(C. 45:16-1 et seq.). 
•  “Waiting period” means the period of time specified in a pet insurance policy that is required to transpire before some or all of the coverage in the policy can begin.

There is a fifteen (15) day period beginning on the original inception date of this policy during which we will not cover any illness, behavioral disorder, or any other coverage provided by this policy, except for, or resulting from, an accident to your pet. Accidents 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. 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.) 

Additional Policy Provisions:

• Coverage includes annual limits, 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:

1. A First Exam;
2. 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;
3. 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, you must arrange to have a first exam of your pet 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

• 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, special limits 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:

1. name;
2. The description of your pet;
3. Your policy number; and
4. Description of claimed illness or injury.

Other exclusions may apply. Please refer to the exclusions section of your policy for more information.

• New Jersey Department of Banking and Insurance: 

20 West State Street
PL Box 325

Trenton, NJ 08625

Phone: (609) 292-7272

Toll Free Hotline: 1-800-446-7467
Website: https://www.nj.gov/dobi/

• 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.‍