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 (AFLS No 540762), and our insurance is underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193).

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, while their plan remains active. 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, remaining cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you our share of the treatment costs. 💵

For more details and examples, check our PDS.

Unfortunately, we can’t cover pre-existing conditions 🙁.

We don’t cover any costs related to pre-existing conditions that were present before cover was active, including during any waiting periods ⏱️.

These could include any injury, illness, behavioural problem, issue, signs or symptoms you or your vet were aware of.

Pre-existing conditions can also include hereditary or congenital conditions, as well as bilateral conditions or linked conditions related to pre-existing issues.

Why can’t we cover pre-existing conditions? 🤷‍♀️

Like most pet insurers, we’re unable to cover pre-existing conditions because our cover and prices assume your pet has a normal chance of having any issues for their breed.

When do I find out about pre-existing conditions?

After signing up, provide your pet’s vet info in-app, and we’ll contact them to check their medical history. We can then let you know if there are any pre-existing conditions.

You can also set your cover to start in the future if you’d like us to check this before cancelling any existing policies.

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

You’ll be able to view any confirmed pre-existing and linked conditions in the plan section of your app 📲.

Examples of pre-existing conditions ⚕️

These are usually considered pre-existing:

• Seasonal allergies 🤧 – if your pet has recurring skin flare-ups each spring that need treatment every year, and these were noted before your pet's plan started, this is considered a pre-existing condition because it’s regular and ongoing.

• Cushing’s disease – if diagnosed before your pet's plan starts, it becomes an ongoing hormonal condition that needs lifelong medication and monitoring.

• Limping after a jump from the car 🚗 – if the limping was found to be from a ruptured cruciate ligament that occurred before cover began, that cruciate injury (and any related knee issues) would be pre-existing. Any condition (bilateral) affecting a paired structure within their body (such as the knees, eyes, ears, hips or elbows) we'll consider this as a single condition. This applies even though it may affect each side at different times.

• Elbow arthritis 🦴 – if arthritis in a specific joint was diagnosed or noted before your pet's plan began, it’s considered pre-existing because it’s progressive and will worsen over time.

• Hip dysplasia🦵 – if diagnosed before your pet's plan starts or during any waiting period, treatment for hip dysplasia and any related conditions (like hip arthritis) won’t be covered.

These are not usually considered pre-existing:

• Vomiting after eating something on a walk 🌳 – if your dog ate something inappropriate and became sick before you took out your pet's plan, and later vomits again after eating something else, these are separate incidents with different causes, so they’re not pre-existing.

• Diarrhoea due to overeating 🍗 – if your pet overate before joining Fetch and later had a one-off upset stomach again, it wouldn’t be considered pre-existing, as long as it didn’t cause any lasting organ damage (like to the liver or kidneys).

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:

• 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.

Waiting period 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.

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 pre-existing checks is set up, it’s within opening hours, and your vet allows direct payments, we can work out cover 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.

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

1. Review 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 as a priority, during opening hours and once all necessary information is provided.

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