What happens if you’re closed and I need to know if I’m covered?

1 Sept 2023

At Fetch we know that life's emergencies don't always happen between 9 to 5. Here are a few things that'll help you to understand your cover if we’re closed and can’t advise you:

  • FastClaims - If you've activated FastClaims, you'll find any pre-existing conditions listed in the plan section of your Fetch app. This will include any linked conditions your pet's plan can't cover

  • The plan section of your app will show you how much of your annual $30,000 limit remains, along with your excess and cover level

  • Your PDS is also in your app. This shows you things we can't cover, and the conditions of cover. We've kept this simple so you can find out what your pet's plan covers easily

  • To help you clarify, follow these steps:

    • Check the type of claim in the cover section

    • Check the treatment your vet is going to provide against the 'things we don't cover’ section

    • Double check your T&Cs for anything that might impact your plan

    • Check you’ve completed the waiting periods for what you need to claim

  • Injury claims are covered, as long as the event happened after your wait period (subject to the coverage and conditions in your PDS). Here are some examples:

    • If your pet is hit by a car

    • Your pet is bitten by a snake

    • Your pet has a paralysis tick (and they are up to date with preventative treatments)

    • Your pet has a has gastric dilatation after going for a run after eating