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:

• Injury: 2 days

• Illness, dental disease, and behavioural conditions: 30 days

• Any cruciate ligament issue, patellar luxation, hip dysplasia, elbow dysplasia, BOAS, cherry eye, IVDD, FLUTD: 90 days

Waiting periods are the time from your pet's plan start date until cover starts for each type of condition. Your pet's plan covers conditions that start after the applicable waiting period ends.

Skip waiting periods with Fetch ⏭️

Fetch allows you to skip the waiting periods through a simple in-app process. 📲 After signing up, you need to follow the instructions to show your pet looking healthy. If everything checks out, Fetch can skip the waiting periods ✅. This review is usually completed within 1 working day.

Waiting period and pre-existing condition checks 👩‍⚕️

Even if you skip the waiting periods, any injury, illness, dental, or behavioural issue where the first signs or symptoms were noticed by you or your vet before your pet's cover starts (including during waiting periods) is considered a pre-existing condition and isn't covered

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.