"Best pet insurance by a mile! For peace of mind and my pup's health it was a no-brainer to go with Fetch"
Chonk & Callum
"Spent days reading reviews online for the best insurance providers, comparing one with another. "
Malcolm & Caitlin
"Great customer service and personalised care. Happy to know my puppy will be well looked after!"
Ollie & Kate
Why is puppy insurance a good idea?
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🤒 Early issues
Even little pups can run into health hiccups like tummy troubles, skin issues, eating socks & toys or even leg fractures
🧾 Pre-existings
Getting covered straight away stops any new issues or symptoms that pop up being labeled as 'pre-existing conditions'
🙋♀️ Responsible
With no medicare for dogs, being a pet parent means also being financially responsible for your puppy’s health and wellbeing, which insurance can help with
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But which insurance to get?
Ok, bear with us…
What's covered?
There's lots of different policies in the market. Most cover illnesses, but some only cover accidents. Some don't cover dental and physio, and some polices exclude certain conditions, like IVDD or Cancer.
Fetch covers all conditions, and includes dental, physio and behaviour cover (See PDS)
How much cover?
You can find cover from $10k to $30k annually - so check what your pet is prone to, and think what you're comfortable paying for.
Fetch pets get $30k annually
Any sub-limits?
Here's the kicker, quite a few policies have sub-limits (essentially a lower limit) on certain conditions/ treatments - like vet consults, tick paraylis, cruciate ligaments, hip dysplasia etc.
Fetch has no vet sub-limits
Are there wait periods?
Pet insurance has wait periods, just like human health cover. Some can be quite long, like 6 months for cruciate ligaments.
Fetch has wait periods too, but you can skip them in-app with a few clicks, showing your puppy is healthy.
How do cover % & excesses work?
You normally have to pay a bit towards treatments, this can be a fixed $ excess and/or a % amount. Sometimes the excess resets annually too.
Fetch excesses apply only once per condition
How do claims work?
You'll often need to pay your vet yourself and claim back later, sometimes this can take up to 10 days. Some insurers have a feature where, depending on the vet, they can pay them directly.
Fetch can also pay vets directly when they're set up. You pay your contribution in-app and we pay the whole bill to the vet, you can also get pre-approvals at the vet.
Who's doing the insurance?
Customers are sometimes not sure who's setting the prices, servicing the policy and paying claims. You can usually find this in the Footer or in the PDS.
Fetch builds the product & tech, set the prices, manages claims, looks after you and your pet under our AFSL. We have an APRA licensed underwriter called Pacific International.
Next step: Hours of research
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Hold up, great news! Kate, Callum & Naomi have done all the hard work for you. This is why they gave Fetch 5 stars!
A few more things
Fetch does a little differently…
Sick pets and vet trips are stressful. To make things a little 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 AET
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.
Good vibes only
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We keep a flat fee to support your pets plan, so we don't make money by not paying out claims
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We hate haggling at renewal too - so we just give you the actual price
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As your pet's plan is monthly, you can cancel anytime, no fees and we'll refund you any remaining days