Be pet parent
of the year

Be pet parent of the year

☂️ $30k insurance cover
💸 Claims paid to your vet
💬 24/7 vet support

☂️ $30k insurance cover
💸 Claims paid to your vet
💬 24/7 vet support

4.9

5.0*

Charlie

Treatments

Vets

Claim

Support

Skip waiting periods ⏩

Upload a quick video and you won’t need to wait for any cover

Skip

Unlock Fast Claims ⚡

Share your pet health history and get your claims pre-approved

Unlock

20 Jan 23

Pending Vet

$2100.50 claim

Sydney Animal Hospital

Atopic Dermatitis

12 Nov 22 - 13 Nov 22

Paid

$5100.00 claim

Sydney Animal Hospital

Retinal Atrophy

9:41

Charlie

Treatments

Vets

Claim

Support

Skip waiting periods ⏩

Upload a quick video and you won’t need to wait for any cover

Skip

Unlock Fast Claims ⚡

Share your pet health history and get your claims pre-approved

Unlock

20 Jan 23

Pending Vet

$2100.50 claim

Sydney Animal Hospital

Atopic Dermatitis

12 Nov 22 - 13 Nov 22

Paid

$5100.00 claim

Sydney Animal Hospital

Retinal Atrophy

9:41

Charlie

Treatments

Vets

Claim

Support

Skip waiting periods ⏩

Upload a quick video and you won’t need to wait for any cover

Skip

Unlock Fast Claims ⚡

Share your pet health history and get your claims pre-approved

Unlock

20 Jan 23

Pending Vet

$2100.50 claim

Sydney Animal Hospital

Atopic Dermatitis

12 Nov 22 - 13 Nov 22

Paid

$5100.00 claim

Sydney Animal Hospital

Retinal Atrophy

9:41

Charlie

Treatments

Vets

Claim

Support

Skip waiting periods ⏩

Upload a quick video and you won’t need to wait for any cover

Skip

Unlock Fast Claims ⚡

Share your pet health history and get your claims pre-approved

Unlock

20 Jan 23

Pending Vet

$2100.50 claim

Sydney Animal Hospital

Atopic Dermatitis

12 Nov 22 - 13 Nov 22

Paid

$5100.00 claim

Sydney Animal Hospital

Retinal Atrophy

9:41

Charlie

Treatments

Vets

Claim

Support

Skip waiting periods ⏩

Upload a quick video and you won’t need to wait for any cover

Skip

Unlock Fast Claims ⚡

Share your pet health history and get your claims pre-approved

Unlock

20 Jan 23

Pending Vet

$2100.50 claim

Sydney Animal Hospital

Atopic Dermatitis

12 Nov 22 - 13 Nov 22

Paid

$5100.00 claim

Sydney Animal Hospital

Retinal Atrophy

9:41

4.9

5.0*

Cover we think you'll both ❤️

Cover we think
you'll both ❤️

Cover we think
you'll both ❤️

Common sub-limits in pet insurance

Cruciate Ligament

$2,600

No Sub Limit

Hip Joint Surgery

$1,200

No Sub Limit

Skin Conditions

$500

No Sub Limit

Vet Consultations

$300

No Sub Limit

Common sub-limits in pet insurance

Cruciate Ligament

$2,600

No Sub Limit

Hip Joint Surgery

$1,200

No Sub Limit

Skin Conditions

$500

No Sub Limit

Vet Consultations

$300

No Sub Limit

Common sub-limits in pet insurance

Cruciate Ligament

$2,600

No Sub Limit

Hip Joint Surgery

$1,200

No Sub Limit

Skin Conditions

$500

No Sub Limit

Vet Consultations

$300

No Sub Limit

$30k cover every year

$30k cover every year

$30k cover every year

Medicare's got your back; Fetch has your pet's. Cover up to 100% or get a $0 excess. Plus there's no $ sub-limits.

Medicare's got your back; Fetch has your pet's. Cover up to 100% or get a $0 excess. Plus there's no $ sub-limits.

Medicare's got your back; Fetch has your pet's. Cover up to 100% or get a $0 excess. Plus there's no $ sub-limits.

All conditions covered

All conditions covered

All conditions covered

Fetch covers all conditions including hereditary ones, for all breeds - where the condition isn't pre-existing.

Fetch covers all conditions including hereditary ones, for all breeds - where the condition isn't pre-existing.

Hip Dysplasia

Cancer

IVDD

BOAS

Diabetes

Cruciates

🎓

Behaviour

🥣

Food

🦵

Physio

🦷

Dental

🛌

Board

🔎

Lost pets

Extras included

Extras included

Extras included

From health scares, to tooth troubles, or mental muddles - Fetch includes cover others don't.

From health scares, to tooth troubles, or mental muddles - Fetch includes cover others don't.

From health scares, to tooth troubles, or mental muddles - Fetch includes cover others don't.

Skip wait periods

Skip wait periods

Skip wait periods

Follow our in-app journey to show off your pet looking well and we'll cover them straight away.

Follow our in-app journey to show off your pet looking well and we'll cover them straight away.

Waiting Periods

Covers you need to wait for

Injury 2 days

Illness 30 days

Specified conditions (see PDS) 90 days

Waiting Periods

Covers you need to wait for

Injury 2 days

Illness 30 days

Specified conditions (see PDS) 90 days

Up-front pre-existing checks

Up-front pre-existing checks

Up-front pre-existing checks

We team up with your vet to let you know if there are any pre-existing conditions from the start. So you don't have to hold your breath until claim time to find out.

We team up with your vet to let you know if there are any pre-existing conditions from the start. So you don't have to hold your breath until claim time to find out.

We team up with your vet to let you know if there are any pre-existing conditions from the start. So you don't have to hold your breath until claim time to find out.

"Really pleased with Fetch. Better value cover, and you can actually understand it."

Mina pet insurance pet

Mini & Naomi

"I honestly haven't come across anyone with such comprehensive cover"

Gidget with top rated pet inusrance

James & Kevin

"I was looking on all the major comparison sites Fetch stood out big time"

Chonk a Fetch Pet

Chonk & Callum

🐈 Cat or Kitten?

Fetch now covers cats and kittens!

Check out why it's a great idea to get Fetch for your cool cat, including common cat conditions Fetch covers.

PS: Multi-pets also get a bonus 5% off!

Fetch now covers cats and kittens! Check out why it's a great idea to get Fetch for your cool cat, including common cat conditions Fetch covers.

PS: Multi-pets also get a bonus 5% off!

🐶 New Puppy?

We'll guide you through the benefits and any watch outs 👀

Hear from some Fetch Puppies (well their parents)

PSA: Also helpful for older pups new to insurance

We'll guide you through the benefits and any watch outs 👀 Hear from some Fetch Puppies (well their parents)

PSA: Also helpful for older pups new to insurance

👋 Switching?

Lots of our pets have switched to Fetch. If you're switching, we'd recommend:

  1. Set your pet's Fetch cover to start in at least 2-weeks time

  1. Complete Fetch pre-existing checks and skip wait periods

  1. If you're happy with your Fetch cover, when it starts you can then cancel your previous pet insurance

Claims paid direct to your vet

Claims paid direct to your vet

Sick pets and vet trips are stressful. To make things easier, your vet can check cover with us before treatment and we can pay your vet directly.

Available after you've set up Fast Claims, when your vet allows direct payments, and 9-5pm Weekdays, 9-3pm Sat, 9-1pm Sun & Public holidays AET

"Blown away by how incredible today's experience has been"

Tilly loes pet insurance

Tilly & Ella

Success, we’ll pay $3,900 to Sydney Animal Hospital now

Charlie the dog at the beach

􀝌

Personal

􀉪

􀌟

New Treatment

1m ago

Please confirm new treatment for Charlie from Sydney Animal Hospital for $4,000.00

Wednesday 21 June

􀟤

23

15

26

9:41

9:41

99

"Blown away by how incredible today's experience has been"

Tilly loes pet insurance

Tilly & Ella

9:41

Charlie with Pet Insurance

Support Chat

Charlotte

from Fetch

Hi there 👋

How can we help you?

Help please 🙋

Question on my pet 🐾

I have an idea/feedback 💡

Pet experts in
your pocket, 24/7

Pet experts in
your pocket, 24/7

Eaten something mysterious, or just not quite themselves? Let's figure it out.

Day or night, our veterinary team are just a tap away. Chat to us in-app, or call 24/7 for emergencies. No googling, no guesswork.

"Amazing staff. Very friendly. Happy that we've chosen Fetch"

Koda with top rated pet inusrance

Tank & Carlie

"Amazing staff. Very friendly. Happy that we've chosen Fetch"

Koda with top rated pet inusrance

Tank & Carlie

Good vibes only

🧑‍🔧 Flat fee

We keep a flat fee to support your pets plan, so we don't make money by not paying out claims

🛍️ No Haggle

We hate haggling at renewal too - so we just give you the actual price

⏱️ Cancel anytime

As your pet's plan is monthly, you can cancel anytime, no fees and we'll refund you any remaining days

Pet parents of Fetch

Thank you for making Fetch the highest rated pet insurer on ProductReview.com at 4.9⭐️*

  • Rudy with top rated pet inusrance

    Rudy & Luke

    The personalized experience with Fetch gives me a genuine sense of confidence that my boy Rudy will be well taken care of. Super easy to setup my policy through the Fetch app, plus easy to register Rudy’s vet history for waiting period waivers and fast claims. Charlotte was delightful to deal with through the live chat.

  • Jazz cared for with pet insurance

    Jazz & Elliot

    I’ve been looking for pet insurance for a while Fetch is the first that I feel really cares about your pet. The sign up was super easy and the cover was great for the price. Thank you Fetch team!

  • Mina pet insurance pet

    Mina & Naomi

    Really pleased with the switch to Fetch so far. Better value cover, and you can actually understand it. Customer support was super knowledgeable (and local) when I had a query via the app. And love that they sync up with my vet so admin is all sorted ahead of time. Recommended.

  • Dash happy that he has pet inusrance

    Dash & Scott

    Really love how easy Fetch has made insurance. The App makes cover completely transparent and claims super easy.

  • Chonk a Fetch Pet

    Chonk & Callum

    I was looking at pet insurance products on all the major comparison sites and Fetch stood out big time. For my peace of mind and for my pup's health it was a no brainer to go with Fetch.

  • Ollie who loves his pet inusrance

    Ollie & Kate

    Signed up to Fetch as it offers great customer service and personalised care, beyond just pet insurance. I found it good value too. Happy to know my puppy will be well looked after. 🐶❤️

  • Ollie who loves his pet inusrance

    Ollie & Dae

    Game changer!
    - Sleek, simple and aesthetic brand
    - Great product - 100% coverage with no sub-limits ($30k)
    - Awesome team - friendly, passionate and super responsive
    - App with huge potential - already has great features to skip waiting periods, pre-existing condition check, etc.

  • Rudy with top rated pet inusrance

    Rudy & Luke

    The personalized experience with Fetch gives me a genuine sense of confidence that my boy Rudy will be well taken care of. Super easy to setup my policy through the Fetch app, plus easy to register Rudy’s vet history for waiting period waivers and fast claims. Charlotte was delightful to deal with through the live chat.

  • Jazz cared for with pet insurance

    Jazz & Elliot

    I’ve been looking for pet insurance for a while Fetch is the first that I feel really cares about your pet. The sign up was super easy and the cover was great for the price. Thank you Fetch team!

  • Mina pet insurance pet

    Mina & Naomi

    Really pleased with the switch to Fetch so far. Better value cover, and you can actually understand it. Customer support was super knowledgeable (and local) when I had a query via the app. And love that they sync up with my vet so admin is all sorted ahead of time. Recommended.

  • Dash happy that he has pet inusrance

    Dash & Scott

    Really love how easy Fetch has made insurance. The App makes cover completely transparent and claims super easy.

  • Chonk a Fetch Pet

    Chonk & Callum

    I was looking at pet insurance products on all the major comparison sites and Fetch stood out big time. For my peace of mind and for my pup's health it was a no brainer to go with Fetch.

  • Ollie who loves his pet inusrance

    Ollie & Kate

    Signed up to Fetch as it offers great customer service and personalised care, beyond just pet insurance. I found it good value too. Happy to know my puppy will be well looked after. 🐶❤️

  • Ollie who loves his pet inusrance

    Ollie & Dae

    Game changer!
    - Sleek, simple and aesthetic brand
    - Great product - 100% coverage with no sub-limits ($30k)
    - Awesome team - friendly, passionate and super responsive
    - App with huge potential - already has great features to skip waiting periods, pre-existing condition check, etc.

Pet parent Q&As

Who's Fetch pet insurance?

Hey 👋 we’re Fetch, a team of vets, techies, and insurance pros building amazing insurance 💚 and a go-to pet health app 📲. With experience caring for 1,000,000+ pets, all our team have backgrounds in pet health as vets or vet nurses, or with leading insurers around the world. We launched in 2023 and have already become the highest-rated pet insurance on ProductReview with a 4.9 ⭐️ rating.

We’re backed by a strong team of Aussie and international investors, including Airtree, vets, insurance CEOs, pet retailers, brand and marketing experts, start-up founders, and tech leaders. We have our own Australian Financial Services License (540762), and we’re underwritten by Pacific International Insurance (ABN 83 169 311 193).

Who's Fetch pet insurance?

Hey 👋 we’re Fetch, a team of vets, techies, and insurance pros building amazing insurance 💚 and a go-to pet health app 📲. With experience caring for 1,000,000+ pets, all our team have backgrounds in pet health as vets or vet nurses, or with leading insurers around the world. We launched in 2023 and have already become the highest-rated pet insurance on ProductReview with a 4.9 ⭐️ rating.

We’re backed by a strong team of Aussie and international investors, including Airtree, vets, insurance CEOs, pet retailers, brand and marketing experts, start-up founders, and tech leaders. We have our own Australian Financial Services License (540762), and we’re underwritten by Pacific International Insurance (ABN 83 169 311 193).

Who's Fetch pet insurance?

Hey 👋 we’re Fetch, a team of vets, techies, and insurance pros building amazing insurance 💚 and a go-to pet health app 📲. With experience caring for 1,000,000+ pets, all our team have backgrounds in pet health as vets or vet nurses, or with leading insurers around the world. We launched in 2023 and have already become the highest-rated pet insurance on ProductReview with a 4.9 ⭐️ rating.

We’re backed by a strong team of Aussie and international investors, including Airtree, vets, insurance CEOs, pet retailers, brand and marketing experts, start-up founders, and tech leaders. We have our own Australian Financial Services License (540762), and we’re underwritten by Pacific International Insurance (ABN 83 169 311 193).

How do pet insurance excesses and contributions work?

When you make a claim, you’ll need to pay an amount towards the claim, called your contribution. This includes your excess, the remaining cover percentage, and any items which your pet’s plan doesn't cover.

  1. Excess: is the fixed amount you pay as part of your contribution towards a claim. You only pay once per condition. For example, a cruciate rupture with subsequent arthritis in the knee would be one condition with one excess.

  2. Cover Percentage: is the amount Fetch covers after the excess is applied. For example, if you claim $1,000 with a $100 excess and 90% cover, you pay $190 ($100 excess + 10% of $900), and Fetch covers $810.

  3. How it works: If your vet allows direct payments, and during opening hours, we can cover the invoice directly with them after you pay your contribution in-app. This includes the excess, cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you. 💵

For more details and examples, check our PDS.

How do pet insurance excesses and contributions work?

When you make a claim, you’ll need to pay an amount towards the claim, called your contribution. This includes your excess, the remaining cover percentage, and any items which your pet’s plan doesn't cover.

  1. Excess: is the fixed amount you pay as part of your contribution towards a claim. You only pay once per condition. For example, a cruciate rupture with subsequent arthritis in the knee would be one condition with one excess.

  2. Cover Percentage: is the amount Fetch covers after the excess is applied. For example, if you claim $1,000 with a $100 excess and 90% cover, you pay $190 ($100 excess + 10% of $900), and Fetch covers $810.

  3. How it works: If your vet allows direct payments, and during opening hours, we can cover the invoice directly with them after you pay your contribution in-app. This includes the excess, cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you. 💵

For more details and examples, check our PDS.

How do pet insurance excesses and contributions work?

When you make a claim, you’ll need to pay an amount towards the claim, called your contribution. This includes your excess, the remaining cover percentage, and any items which your pet’s plan doesn't cover.

  1. Excess: is the fixed amount you pay as part of your contribution towards a claim. You only pay once per condition. For example, a cruciate rupture with subsequent arthritis in the knee would be one condition with one excess.

  2. Cover Percentage: is the amount Fetch covers after the excess is applied. For example, if you claim $1,000 with a $100 excess and 90% cover, you pay $190 ($100 excess + 10% of $900), and Fetch covers $810.

  3. How it works: If your vet allows direct payments, and during opening hours, we can cover the invoice directly with them after you pay your contribution in-app. This includes the excess, cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you. 💵

For more details and examples, check our PDS.

Does pet insurance cover pre-existing conditions?

Unfortunately, we can’t cover pre-existing conditions 🙁. These could be any injury, illness, behavioural problem, or other issue that started before your pet’s cover is active (including in any waiting periods ⏱️). This could also include any signs or symptoms you noticed, even if the condition has yet to be seen or diagnosed by a vet.

Pre-existing conditions could include hereditary or congenital conditions, as well as bilateral conditions or linked conditions which are related to other conditions, for example, arthritis following joint damage.

Why doesn’t Fetch cover pre-existing conditions?

Like most pet insurers, we can’t cover pre-existing conditions because our cover and pricing are set at a rate that assumes your pet has the usual chance of having any issues for their breed, not if they already have them. However, we’d like to be able to design a product that could cover pre-existing conditions in the future.

When will I find out about my pet’s pre-existing conditions?

The great thing about Fetch, is our Fast Claims ⚡️ process, where we check for any pre-existing conditions with your vets so you know this upfront, rather than at claim time. Once Fast Claims have been set up and if we’ve also got your vet's payment details, we can check your claims quickly and pay the entire invoice directly to your vet. You only have to pay us your excess and contribution (including any excluded items).

Where can I see my pet’s pre-existing conditions?

You’ll be able to see these and any linked conditions in the plan section of your app.

How does Fetch determine pre-existing conditions?

We base this primarily on your vet notes and we look at pre-existing conditions on a true ‘cause and effect’ basis, rather than just excluding things because they are the same sign or symptom, or happened a few times.

What are some examples of pre-existing conditions for pets?

  • Seasonal allergies 🤧: If a pet requires treatment every spring for a seasonal skin condition, it is considered pre-existing.

  • Cushing's disease: Once diagnosed, the condition becomes ongoing and is likely to require lifelong treatment.

  • Limping following a jump from a car: if the limping is found to be due to a ruptured cruciate which happened when your pet jumped from the car, the ruptured cruciate and any other related issues like arthritis in the joint would be pre-existing. If it was a one off sprain which healed, it wouldn’t be pre-existing.

  • Behavioural issues: Unfortunately any previous behavioural issues, even if temporary, mean we can’t provide behavioural cover. See more here.

  • Dental disease: If your vet has noticed dental disease, we won’t be able to offer dental cover. Dental cover doesn’t impact other issues in the mouth (like tumours, or fractures) as long as they are unrelated to dental disease or pre-existing dental problems, see more here.

  • Elbow Arthritis: Even if diagnosed at an early stage when no treatment is required, the presence of arthritis in a particular location will progress so the condition is pre-existing.

  • Hip dysplasia: Diagnosed before taking out a plan or during waiting periods, it won't be covered, including related conditions like arthritis in the hips.

What are some conditions that aren't considered pre-existing?

  • Vomiting from eating something on a walk: If your dog ate something on a walk and became sick before your pet's plan started, it’s not considered pre-existing if it happens again after the plan starts.

  • Diarrhoea from overeating: As long as it didn’t lead to permanent damage, it’s not considered pre-existing.

If there’s anything else you’d like to know, or if we can be clearer on anything, please let us know!

Does pet insurance cover pre-existing conditions?

Unfortunately, we can’t cover pre-existing conditions 🙁. These could be any injury, illness, behavioural problem, or other issue that started before your pet’s cover is active (including in any waiting periods ⏱️). This could also include any signs or symptoms you noticed, even if the condition has yet to be seen or diagnosed by a vet.

Pre-existing conditions could include hereditary or congenital conditions, as well as bilateral conditions or linked conditions which are related to other conditions, for example, arthritis following joint damage.

Why doesn’t Fetch cover pre-existing conditions?

Like most pet insurers, we can’t cover pre-existing conditions because our cover and pricing are set at a rate that assumes your pet has the usual chance of having any issues for their breed, not if they already have them. However, we’d like to be able to design a product that could cover pre-existing conditions in the future.

When will I find out about my pet’s pre-existing conditions?

The great thing about Fetch, is our Fast Claims ⚡️ process, where we check for any pre-existing conditions with your vets so you know this upfront, rather than at claim time. Once Fast Claims have been set up and if we’ve also got your vet's payment details, we can check your claims quickly and pay the entire invoice directly to your vet. You only have to pay us your excess and contribution (including any excluded items).

Where can I see my pet’s pre-existing conditions?

You’ll be able to see these and any linked conditions in the plan section of your app.

How does Fetch determine pre-existing conditions?

We base this primarily on your vet notes and we look at pre-existing conditions on a true ‘cause and effect’ basis, rather than just excluding things because they are the same sign or symptom, or happened a few times.

What are some examples of pre-existing conditions for pets?

  • Seasonal allergies 🤧: If a pet requires treatment every spring for a seasonal skin condition, it is considered pre-existing.

  • Cushing's disease: Once diagnosed, the condition becomes ongoing and is likely to require lifelong treatment.

  • Limping following a jump from a car: if the limping is found to be due to a ruptured cruciate which happened when your pet jumped from the car, the ruptured cruciate and any other related issues like arthritis in the joint would be pre-existing. If it was a one off sprain which healed, it wouldn’t be pre-existing.

  • Behavioural issues: Unfortunately any previous behavioural issues, even if temporary, mean we can’t provide behavioural cover. See more here.

  • Dental disease: If your vet has noticed dental disease, we won’t be able to offer dental cover. Dental cover doesn’t impact other issues in the mouth (like tumours, or fractures) as long as they are unrelated to dental disease or pre-existing dental problems, see more here.

  • Elbow Arthritis: Even if diagnosed at an early stage when no treatment is required, the presence of arthritis in a particular location will progress so the condition is pre-existing.

  • Hip dysplasia: Diagnosed before taking out a plan or during waiting periods, it won't be covered, including related conditions like arthritis in the hips.

What are some conditions that aren't considered pre-existing?

  • Vomiting from eating something on a walk: If your dog ate something on a walk and became sick before your pet's plan started, it’s not considered pre-existing if it happens again after the plan starts.

  • Diarrhoea from overeating: As long as it didn’t lead to permanent damage, it’s not considered pre-existing.

If there’s anything else you’d like to know, or if we can be clearer on anything, please let us know!

Does pet insurance cover pre-existing conditions?

Unfortunately, we can’t cover pre-existing conditions 🙁. These could be any injury, illness, behavioural problem, or other issue that started before your pet’s cover is active (including in any waiting periods ⏱️). This could also include any signs or symptoms you noticed, even if the condition has yet to be seen or diagnosed by a vet.

Pre-existing conditions could include hereditary or congenital conditions, as well as bilateral conditions or linked conditions which are related to other conditions, for example, arthritis following joint damage.

Why doesn’t Fetch cover pre-existing conditions?

Like most pet insurers, we can’t cover pre-existing conditions because our cover and pricing are set at a rate that assumes your pet has the usual chance of having any issues for their breed, not if they already have them. However, we’d like to be able to design a product that could cover pre-existing conditions in the future.

When will I find out about my pet’s pre-existing conditions?

The great thing about Fetch, is our Fast Claims ⚡️ process, where we check for any pre-existing conditions with your vets so you know this upfront, rather than at claim time. Once Fast Claims have been set up and if we’ve also got your vet's payment details, we can check your claims quickly and pay the entire invoice directly to your vet. You only have to pay us your excess and contribution (including any excluded items).

Where can I see my pet’s pre-existing conditions?

You’ll be able to see these and any linked conditions in the plan section of your app.

How does Fetch determine pre-existing conditions?

We base this primarily on your vet notes and we look at pre-existing conditions on a true ‘cause and effect’ basis, rather than just excluding things because they are the same sign or symptom, or happened a few times.

What are some examples of pre-existing conditions for pets?

  • Seasonal allergies 🤧: If a pet requires treatment every spring for a seasonal skin condition, it is considered pre-existing.

  • Cushing's disease: Once diagnosed, the condition becomes ongoing and is likely to require lifelong treatment.

  • Limping following a jump from a car: if the limping is found to be due to a ruptured cruciate which happened when your pet jumped from the car, the ruptured cruciate and any other related issues like arthritis in the joint would be pre-existing. If it was a one off sprain which healed, it wouldn’t be pre-existing.

  • Behavioural issues: Unfortunately any previous behavioural issues, even if temporary, mean we can’t provide behavioural cover. See more here.

  • Dental disease: If your vet has noticed dental disease, we won’t be able to offer dental cover. Dental cover doesn’t impact other issues in the mouth (like tumours, or fractures) as long as they are unrelated to dental disease or pre-existing dental problems, see more here.

  • Elbow Arthritis: Even if diagnosed at an early stage when no treatment is required, the presence of arthritis in a particular location will progress so the condition is pre-existing.

  • Hip dysplasia: Diagnosed before taking out a plan or during waiting periods, it won't be covered, including related conditions like arthritis in the hips.

What are some conditions that aren't considered pre-existing?

  • Vomiting from eating something on a walk: If your dog ate something on a walk and became sick before your pet's plan started, it’s not considered pre-existing if it happens again after the plan starts.

  • Diarrhoea from overeating: As long as it didn’t lead to permanent damage, it’s not considered pre-existing.

If there’s anything else you’d like to know, or if we can be clearer on anything, please let us know!

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time you'll need to wait for your pet's cover to begin after their plan starts.

Fetch Pet insurance waiting periods

At Fetch, we have specific waiting periods for different types of cover:

  • Injuries (e.g., a broken leg from a fall or a cut paw): 48 hours

  • Illnesses (e.g., a tumor or kidney disease): 30 days

  • Specific Conditions (Cruciate Ligaments, Patellar Luxation, Hip Dysplasia, Elbow Dysplasia, BOAS, Cherry Eye): 90 days

Skip waiting periods with Fetch ⏭️

Fetch allows you to skip the waiting periods through a simple in-app process. 📲 After signing up, follow the instructions so we can check your pet looks healthy. If everything checks out, we can skip the waiting periods for your pet. ✅ We typically complete this review within 1 working day.

In the cover section of your app, you can see the countdown of waiting periods and when they’re skipped.

Fast Claims and pre-existing condition checks 👩‍⚕️

Waiting periods are separate from checks for pre-existing conditions. These conditions might still be excluded as a pet could appear healthy but have underlying or ongoing issues.

Fetch offers an upfront check for pre-existing conditions. After signing up, let us know your vet's details in the app. We’ll contact them for your pet's records and inform you of any pre-existing conditions that aren’t covered. This process usually takes a few weeks depending on when we hear back from your vets.

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time you'll need to wait for your pet's cover to begin after their plan starts.

Fetch Pet insurance waiting periods

At Fetch, we have specific waiting periods for different types of cover:

  • Injuries (e.g., a broken leg from a fall or a cut paw): 48 hours

  • Illnesses (e.g., a tumor or kidney disease): 30 days

  • Specific Conditions (Cruciate Ligaments, Patellar Luxation, Hip Dysplasia, Elbow Dysplasia, BOAS, Cherry Eye): 90 days

Skip waiting periods with Fetch ⏭️

Fetch allows you to skip the waiting periods through a simple in-app process. 📲 After signing up, follow the instructions so we can check your pet looks healthy. If everything checks out, we can skip the waiting periods for your pet. ✅ We typically complete this review within 1 working day.

In the cover section of your app, you can see the countdown of waiting periods and when they’re skipped.

Fast Claims and pre-existing condition checks 👩‍⚕️

Waiting periods are separate from checks for pre-existing conditions. These conditions might still be excluded as a pet could appear healthy but have underlying or ongoing issues.

Fetch offers an upfront check for pre-existing conditions. After signing up, let us know your vet's details in the app. We’ll contact them for your pet's records and inform you of any pre-existing conditions that aren’t covered. This process usually takes a few weeks depending on when we hear back from your vets.

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time you'll need to wait for your pet's cover to begin after their plan starts.

Fetch Pet insurance waiting periods

At Fetch, we have specific waiting periods for different types of cover:

  • Injuries (e.g., a broken leg from a fall or a cut paw): 48 hours

  • Illnesses (e.g., a tumor or kidney disease): 30 days

  • Specific Conditions (Cruciate Ligaments, Patellar Luxation, Hip Dysplasia, Elbow Dysplasia, BOAS, Cherry Eye): 90 days

Skip waiting periods with Fetch ⏭️

Fetch allows you to skip the waiting periods through a simple in-app process. 📲 After signing up, follow the instructions so we can check your pet looks healthy. If everything checks out, we can skip the waiting periods for your pet. ✅ We typically complete this review within 1 working day.

In the cover section of your app, you can see the countdown of waiting periods and when they’re skipped.

Fast Claims and pre-existing condition checks 👩‍⚕️

Waiting periods are separate from checks for pre-existing conditions. These conditions might still be excluded as a pet could appear healthy but have underlying or ongoing issues.

Fetch offers an upfront check for pre-existing conditions. After signing up, let us know your vet's details in the app. We’ll contact them for your pet's records and inform you of any pre-existing conditions that aren’t covered. This process usually takes a few weeks depending on when we hear back from your vets.

How do I submit a pet insurance claim?

  1. Start new claim: In-app 📲, go to treatments, and click ‘new claim’. Let us know which vet your pet visited. You can track progress in-app, and we’ll notify you if we need more info.


  2. We contact your vet: We’ll email your vet to upload the invoice and clinical notes to our portal.


  3. Process claim: If Fast Claims is set up, it’s within opening hours, and your vet allows direct payments, we can work out cover in 15 minutes while you’re at the vet. You pay your contribution in-app, and we’ll transfer the full invoice to your vet. Otherwise, we can pay you ‌the covered amount after your contribution.

How do I submit a pet insurance claim?

  1. Start new claim: In-app 📲, go to treatments, and click ‘new claim’. Let us know which vet your pet visited. You can track progress in-app, and we’ll notify you if we need more info.


  2. We contact your vet: We’ll email your vet to upload the invoice and clinical notes to our portal.


  3. Process claim: If Fast Claims is set up, it’s within opening hours, and your vet allows direct payments, we can work out cover in 15 minutes while you’re at the vet. You pay your contribution in-app, and we’ll transfer the full invoice to your vet. Otherwise, we can pay you ‌the covered amount after your contribution.

How do I submit a pet insurance claim?

  1. Start new claim: In-app 📲, go to treatments, and click ‘new claim’. Let us know which vet your pet visited. You can track progress in-app, and we’ll notify you if we need more info.


  2. We contact your vet: We’ll email your vet to upload the invoice and clinical notes to our portal.


  3. Process claim: If Fast Claims is set up, it’s within opening hours, and your vet allows direct payments, we can work out cover in 15 minutes while you’re at the vet. You pay your contribution in-app, and we’ll transfer the full invoice to your vet. Otherwise, we can pay you ‌the covered amount after your contribution.

How does Fetch Fast Claims work?

Fetch Fast Claims ⚡️ is designed to make the claims process quick and easy for you and your vet. Here’s how it works:

  1. Assess health history: When you first join Fetch, let us know your pet’s vets (including any previous vets) and we can check their health history to identify any pre-existing conditions. This helps you know your pet’s cover upfront.


  2. Direct payments to vets: If your vet supports direct payments, Fetch can pay the entire invoice to your vet. You only need to pay your contribution (including any excluded items) in-app first. Fetch doesn’t charge any fees for this service, and we can pay your vet in real-time, depending on their bank.


  3. Quick processing: Claims are checked and paid in just 15 minutes, during opening hours and once all necessary information is provided.

How does Fetch Fast Claims work?

Fetch Fast Claims ⚡️ is designed to make the claims process quick and easy for you and your vet. Here’s how it works:

  1. Assess health history: When you first join Fetch, let us know your pet’s vets (including any previous vets) and we can check their health history to identify any pre-existing conditions. This helps you know your pet’s cover upfront.


  2. Direct payments to vets: If your vet supports direct payments, Fetch can pay the entire invoice to your vet. You only need to pay your contribution (including any excluded items) in-app first. Fetch doesn’t charge any fees for this service, and we can pay your vet in real-time, depending on their bank.


  3. Quick processing: Claims are checked and paid in just 15 minutes, during opening hours and once all necessary information is provided.

How does Fetch Fast Claims work?

Fetch Fast Claims ⚡️ is designed to make the claims process quick and easy for you and your vet. Here’s how it works:

  1. Assess health history: When you first join Fetch, let us know your pet’s vets (including any previous vets) and we can check their health history to identify any pre-existing conditions. This helps you know your pet’s cover upfront.


  2. Direct payments to vets: If your vet supports direct payments, Fetch can pay the entire invoice to your vet. You only need to pay your contribution (including any excluded items) in-app first. Fetch doesn’t charge any fees for this service, and we can pay your vet in real-time, depending on their bank.


  3. Quick processing: Claims are checked and paid in just 15 minutes, during opening hours and once all necessary information is provided.

Do I need to the use Fetch app?

To use your pet’s plan you’ll need the Fetch app 📲, here you can:

📄 See and manage plan documents (including PDS)
🐾 Update you and your pet's details
⏳ Skip wait periods and set up Fast Claims
📋 Submit and track claims
🏥 Update vet details
💬 Contact us or our 24/7 pet emergency line

Do I need to the use Fetch app?

To use your pet’s plan you’ll need the Fetch app 📲, here you can:

📄 See and manage plan documents (including PDS)
🐾 Update you and your pet's details
⏳ Skip wait periods and set up Fast Claims
📋 Submit and track claims
🏥 Update vet details
💬 Contact us or our 24/7 pet emergency line

Do I need to the use Fetch app?

To use your pet’s plan you’ll need the Fetch app 📲, here you can:

📄 See and manage plan documents (including PDS)
🐾 Update you and your pet's details
⏳ Skip wait periods and set up Fast Claims
📋 Submit and track claims
🏥 Update vet details
💬 Contact us or our 24/7 pet emergency line

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