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Give your patients the best care 👩‍⚕️

Get pre-approved treatments and direct payments

4.8

4.9*

Vet signup

Get in touch with Fetch to setup direct claims and payments

4.9

5.0*

How it works

Upload pre-approvals or claims in a few clicks

Either through the Fetch vet portal, or where available directly through your PMS

Fetch checks your client's cover in 15 mins

Available after you & your client have set up Fast Claims and 9-5pm Weekdays, 9-3pm Sat, 9-1pm Sun AET

Your client pays their contribution in-app

Including their excess or remaining cover%, and any items not covered

Fetch pays you the full amount

Cover we think your clients will ❤️

Cover we think
you'll ❤️

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

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

Customers can cover up to 100% or get a $0 excess, with no inner vet sub-limits

All conditions covered

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

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

Check out our simple PDS ➡️

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

Mini & Naomi

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

James & Kevin

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

Chonk & Callum

Helpful info for Vets

Who's Fetch?

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’ve created a super simple, easy-to-understand PDS with great cover. We can pay you directly so your client isn’t out of pocket. We have a vet portal where you to easily upload claims and histories. We’re now rolling out integrations with vet PMS systems. Want to get involved? Let us know at support@fetchpet.com.au.

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).

Who's Fetch pet insurance?

Who is the insurer?

We look after you and your pet under our Australian Financial Services Licence (AFSL). This means Fetch takes care of everything from building the product, distributing and administering the insurance, managing claims, to chatting to you about all things pets!

The insurance is issued and underwritten by an APRA licensed underwriter called Pacific International Insurance Pty LTD ABN 83 169 311 193, who have around 20 years insurance experience in Australia.

Who is the insurer?

How does Fetch make money?

To look after you and your pet, we keep a flat percentage of every plan sold. Our percentage stays the same whether you make a claim or not. We operate under our Australian Financial Services Licence (AFSL), the insurance is underwritten by an APRA licensed underwriter called Pacific International, who have around 20 years insurance experience in Australia.

How does Fetch make money?

How does insurance work?

Does Fetch cover routine care or vaccinations?

We cover vet consults as part of diagnosis and treatment for covered conditions, but we don't cover the costs of a pet’s routine care.

For example:

Vaccinations
Parasite control (fleas, ticks, worms, etc.)
Bathing, grooming, clipping, de-matting, coat treatments, or shampoos
Emptying anal glands, unless a pet has a specific problem such as an abscess or tumour
Microchipping and registration costs

Routine and preventative care is a normal part of looking after a pet. Our plans are designed to help with unexpected surprises like when a pet gets sick or injured, not the regular check-ups or day-to-day care. You can read more here

Does Fetch cover routine care or vaccinations?

We cover vet consults as part of diagnosis and treatment for covered conditions, but we don't cover the costs of a pet’s routine care.

For example:

Vaccinations
Parasite control (fleas, ticks, worms, etc.)
Bathing, grooming, clipping, de-matting, coat treatments, or shampoos
Emptying anal glands, unless a pet has a specific problem such as an abscess or tumour
Microchipping and registration costs

Does Fetch cover routine care or vaccinations?

We cover vet consults as part of diagnosis and treatment for covered conditions, but we don't cover the costs of a pet’s routine care.

For example:

Vaccinations
Parasite control (fleas, ticks, worms, etc.)
Bathing, grooming, clipping, de-matting, coat treatments, or shampoos
Emptying anal glands, unless a pet has a specific problem such as an abscess or tumour
Microchipping and registration costs

How do pet insurance excesses and contributions work?

When your client makes a claim, they’ll need to pay an amount towards the claim, known as their contribution. This includes the excess, the remaining cover percentage, and any items that their pet’s plan doesn’t cover.

Excess: This is the fixed amount your client pays as part of their contribution towards a claim. They only pay it 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.
Cover Percentage: This is the amount Fetch covers after the excess is applied. For instance, if the claim is $1,000 with a $100 excess and 90% cover, your client pays $190 ($100 excess + 10% of $900), and Fetch covers $810.
How it works: If you allow direct payments, and during opening hours, Fetch can pay the invoice directly to you after your client has paid their 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.

How do pet insurance excesses and contributions work?

Excess: This is the fixed amount your client pays as part of their contribution towards a claim. They only pay it 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.
Cover Percentage: This is the amount Fetch covers after the excess is applied. For instance, if the claim is $1,000 with a $100 excess and 90% cover, your client pays $190 ($100 excess + 10% of $900), and Fetch covers $810.
How it works: If you allow direct payments, and during opening hours, Fetch can pay the invoice directly to you after your client has paid their 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.

How do pet insurance excesses and contributions work?

Excess: This is the fixed amount your client pays as part of their contribution towards a claim. They only pay it 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.
Cover Percentage: This is the amount Fetch covers after the excess is applied. For instance, if the claim is $1,000 with a $100 excess and 90% cover, your client pays $190 ($100 excess + 10% of $900), and Fetch covers $810.
How it works: If you allow direct payments, and during opening hours, Fetch can pay the invoice directly to you after your client has paid their 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.

Does pet insurance cover pre-existing conditions?

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 noticed by the pet parent, even if the condition has yet to be seen or diagnosed by a vet.

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 the pet has a normal chance of having any issues for their breed.

When do clients find out about their pet’s pre-existing conditions?

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

Clients can also set their cover to start in the future whilst the checks are completed.

Where can clients see their pet’s pre-existing conditions?

Clients can view any confirmed pre-existing and linked conditions in the plan section of their app 📲.

Examples of pre-existing conditions ⚕️

These are usually considered pre-existing:

Seasonal allergies 🤧 – if the pet has recurring skin flare-ups each spring that need treatment every year, and these were noted before the pet's plan started, this is considered a pre-existing condition because it’s regular and ongoing.
Cushing’s disease – if diagnosed before the 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 the pet's plan began, it’s considered pre-existing because it’s progressive and will worsen over time.
Hip dysplasia🦵 – if diagnosed before the 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 the clients dog ate something inappropriate and became sick before they took out their 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 the 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).

If you're not sure on anything, please chat to us with any questions.

Does pet insurance cover pre-existing conditions?

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 noticed by the pet parent, even if the condition has yet to be seen or diagnosed by a vet.

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 the pet has a normal chance of having any issues for their breed.

When do clients find out about their pet’s pre-existing conditions?

Clients can also set their cover to start in the future whilst the checks are completed.

Where can clients see their pet’s pre-existing conditions?

Clients can view any confirmed pre-existing and linked conditions in the plan section of their app 📲.

Examples of pre-existing conditions ⚕️

These are usually considered pre-existing:

Seasonal allergies 🤧 – if the pet has recurring skin flare-ups each spring that need treatment every year, and these were noted before the pet's plan started, this is considered a pre-existing condition because it’s regular and ongoing.
Cushing’s disease – if diagnosed before the 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 the pet's plan began, it’s considered pre-existing because it’s progressive and will worsen over time.
Hip dysplasia🦵 – if diagnosed before the 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 the clients dog ate something inappropriate and became sick before they took out their 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 the 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).

If you're not sure on anything, please chat to us with any questions.

Does pet insurance cover pre-existing conditions?

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 noticed by the pet parent, even if the condition has yet to be seen or diagnosed by a vet.

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 the pet has a normal chance of having any issues for their breed.

When do clients find out about their pet’s pre-existing conditions?

Clients can also set their cover to start in the future whilst the checks are completed.

Where can clients see their pet’s pre-existing conditions?

Clients can view any confirmed pre-existing and linked conditions in the plan section of their app 📲.

Examples of pre-existing conditions ⚕️

These are usually considered pre-existing:

Seasonal allergies 🤧 – if the pet has recurring skin flare-ups each spring that need treatment every year, and these were noted before the pet's plan started, this is considered a pre-existing condition because it’s regular and ongoing.
Cushing’s disease – if diagnosed before the 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 the pet's plan began, it’s considered pre-existing because it’s progressive and will worsen over time.
Hip dysplasia🦵 – if diagnosed before the 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 the clients dog ate something inappropriate and became sick before they took out their 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 the 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).

If you're not sure on anything, please chat to us with any questions.

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time your clients will need to wait for their coverage to begin after their pet's 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 your clients to skip the waiting periods through a simple in-app process. 📲 After signing up, they need to follow the instructions to show their pet looking healthy. If everything checks out, Fetch can skip the waiting periods for their pet. ✅ This review is usually completed within 1 working day.

In the cover section of the app, clients 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, clients need to provide their vet's details in the app. Fetch will contact the vet for the pet's records and inform the clients of any pre-existing conditions that aren’t covered. This process usually takes a few weeks.

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time your clients will need to wait for their coverage to begin after their pet's 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 ⏭️

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

How do pet insurance waiting periods work?

A waiting period ⏱️ is the period of time your clients will need to wait for their coverage to begin after their pet's 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 ⏭️

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

Does Fetch cover hereditary or genetic conditions?

We cover hereditary or genetic conditions where they're not pre-existing.

If your client has seen signs or symptoms of a hereditary or congenital condition, or one has been diagnosed or treated before their cover was activated (including any wait periods), we can’t cover it. Learn more here.

Does Fetch cover hereditary or genetic conditions?

We cover hereditary or genetic conditions where they're not pre-existing.

Does Fetch cover hereditary or genetic conditions?

We cover hereditary or genetic conditions where they're not pre-existing.

Are there breed-specific conditions or exclusions in pet insurance?

We cover all illnesses and injuries. There aren’t any breed-specific exclusions and we have no condition sub-limits. We can’t cover pre-existing conditions, which we check for you as part of our Fast Claims process. We also don't cover restricted breeds, or any dog declared dangerous or menacing.

Are there breed-specific conditions or exclusions in pet insurance?

How do claims work?

How do I submit a pet insurance pre-approval?

We can do pre-approvals for you and your client, here’s how it works:

Client requests pre-approval: The pet parent starts a new pre-approval in their Fetch app 📲 and lets us know it’s with you.
Receive pre-approval request: We’ll get in touch via email 📧 to ask for the clinical notes and estimated costs. We’ll let you know if we need any more info.
Process pre-approval: If you're happy for us to pay you directly, the client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while you're at the vet.
After treatment: We can change the pre-approval to a claim. Please send us the updated invoice and medical notes and we’ll process this for your client. You'll receive the full amount directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution. Please note things can change between pre-approval and claim, like treatment type or cause, which can affect the claim outcome. Pre-approvals are valid for 28 days.

How do I submit a pet insurance pre-approval?

We can do pre-approvals for you and your client, here’s how it works:

Client requests pre-approval: The pet parent starts a new pre-approval in their Fetch app 📲 and lets us know it’s with you.
Receive pre-approval request: We’ll get in touch via email 📧 to ask for the clinical notes and estimated costs. We’ll let you know if we need any more info.
Process pre-approval: If you're happy for us to pay you directly, the client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while you're at the vet.
After treatment: We can change the pre-approval to a claim. Please send us the updated invoice and medical notes and we’ll process this for your client. You'll receive the full amount directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution. Please note things can change between pre-approval and claim, like treatment type or cause, which can affect the claim outcome. Pre-approvals are valid for 28 days.

How do I submit a pet insurance pre-approval?

We can do pre-approvals for you and your client, here’s how it works:

Client requests pre-approval: The pet parent starts a new pre-approval in their Fetch app 📲 and lets us know it’s with you.
Receive pre-approval request: We’ll get in touch via email 📧 to ask for the clinical notes and estimated costs. We’ll let you know if we need any more info.
Process pre-approval: If you're happy for us to pay you directly, the client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while you're at the vet.
After treatment: We can change the pre-approval to a claim. Please send us the updated invoice and medical notes and we’ll process this for your client. You'll receive the full amount directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution. Please note things can change between pre-approval and claim, like treatment type or cause, which can affect the claim outcome. Pre-approvals are valid for 28 days.

How do I submit a pet insurance claim?

Client lodges claim: Your client can start a new claim in their Fetch app 📲 and let us know it’s with you
Receive claim request: You'll get an email 📧 with a link to upload the invoice and clinical notes to our portal. We’ll let you know if we need any more info.
Process claim: If your happy for us to pay your directly, your client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while your client is at the vets. You'll receive the full invoice payment directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution.

How do I submit a pet insurance claim?

Client lodges claim: Your client can start a new claim in their Fetch app 📲 and let us know it’s with you
Receive claim request: You'll get an email 📧 with a link to upload the invoice and clinical notes to our portal. We’ll let you know if we need any more info.
Process claim: If your happy for us to pay your directly, your client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while your client is at the vets. You'll receive the full invoice payment directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution.

How do I submit a pet insurance claim?

Client lodges claim: Your client can start a new claim in their Fetch app 📲 and let us know it’s with you
Receive claim request: You'll get an email 📧 with a link to upload the invoice and clinical notes to our portal. We’ll let you know if we need any more info.
Process claim: If your happy for us to pay your directly, your client has pre-existing checks set up, and it's within our opening hours, we can work out the cover while your client is at the vets. You'll receive the full invoice payment directly from us once the pet parent pays their contribution in-app. If not, we'll reimburse your client directly after deducting their contribution.

Can Fetch pet insurance pay vets directly?

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

Assess health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims can be checked and paid while you're at the vet once all necessary information is provided.

Can Fetch pet insurance pay vets directly?

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

Assess health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims can be checked and paid while you're at the vet once all necessary information is provided.

Can Fetch pet insurance pay vets directly?

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

Assess health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims can be checked and paid while you're at the vet once all necessary information is provided.

How do Fetch pre-existing checks work?

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

Review health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims are checked and paid as a priority, once all necessary information is provided.

How do Fetch pre-existing checks work?

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

Review health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims are checked and paid as a priority, once all necessary information is provided.

How do Fetch pre-existing checks work?

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

Review health history: Fetch can check the patient’s health history to identify any pre-existing conditions when they first join. This helps you both know your patients’ cover upfront.
Direct payments to you: If you share your bank details with us, Fetch can pay the entire invoice directly to your clinic. The client only needs to pay their contribution (including any excluded items) in-app first. Fetch doesn’t take any fees to do so, and as we run on NPP, depending on your bank we can pay you in real-time.
Quick processing: Claims are checked and paid as a priority, once all necessary information is provided.

Does Fetch cover online pharmacy claims?

If you provide a client with a prescription for an online pharmacy 💊, we’ll cover the medication and the prescription fee, as long as it relates to a covered condition. To process the clients claim, they'll need to submit the pharmacy invoice and a copy of the prescription.

For more details, see How do I submit a claim?

Does Fetch cover online pharmacy claims?

How do claims work if a pet is referred to a different vet or specialist?

If you refer your client to another vet 👩‍⚕️, such as a specialist, we’ve made the process easy for both of you. Your client can make a new claim in their Fetch app 📲, just like they would with you, and we’ll take care of contacting the new vet to process the claim.

How do claims work if a pet is referred to a different vet or specialist?

How do I?

How do I contact Fetch Pet?

We’re a digital-first product, so the quickest and easiest way to reach us is through chat.

We're open 9-5pm Weekdays, 9-3pm Sat, 9-1pm Sun & Public holidays AET (Exc. Christmas Day, Boxing Day, New Years Day, Easter Sunday)

You can contact us in a few ways:

Chat with us on our website 🌐
Email us at support@fetchpet.au 📧

If your clients need to update their pet's plan details, they can do this anytime in-app under the home page, no need to wait for us to open.

If your client needs urgent vet advice, they can open their app and tap ‘Pet Healthline’ 📞 under the treatments tab to speak to our 24/7 triage team.

For claim emergencies during office hours, we can call you or your client, just message us in-app with the best number to reach you on.

How do I contact Fetch Pet?

We’re a digital-first product, so the quickest and easiest way to reach us is through chat.

We're open 9-5pm Weekdays, 9-3pm Sat, 9-1pm Sun & Public holidays AET (Exc. Christmas Day, Boxing Day, New Years Day, Easter Sunday)

You can contact us in a few ways:

Chat with us on our website 🌐
Email us at support@fetchpet.au 📧

If your clients need to update their pet's plan details, they can do this anytime in-app under the home page, no need to wait for us to open.

If your client needs urgent vet advice, they can open their app and tap ‘Pet Healthline’ 📞 under the treatments tab to speak to our 24/7 triage team.

For claim emergencies during office hours, we can call you or your client, just message us in-app with the best number to reach you on.

How do I contact Fetch Pet?

We’re a digital-first product, so the quickest and easiest way to reach us is through chat.

We're open 9-5pm Weekdays, 9-3pm Sat, 9-1pm Sun & Public holidays AET (Exc. Christmas Day, Boxing Day, New Years Day, Easter Sunday)

You can contact us in a few ways:

Chat with us on our website 🌐
Email us at support@fetchpet.au 📧

If your clients need to update their pet's plan details, they can do this anytime in-app under the home page, no need to wait for us to open.

If your client needs urgent vet advice, they can open their app and tap ‘Pet Healthline’ 📞 under the treatments tab to speak to our 24/7 triage team.

For claim emergencies during office hours, we can call you or your client, just message us in-app with the best number to reach you on.

How do I check cover when you’re closed?

To get in touch with us you can email us support@fetchpet.au or chat to us on our website and we’ll get back to you when we re-open.

However, we know emergencies don’t always happen in office hours. Here’s how your client can check cover if we’re closed. In the plan section of their app they can check:

If their pet has any waiting periods or pre-existing conditions (once their pre-existing condition checks are complete)
Their pet’s remaining annual limit, excess and cover%
Their pet’s plan PDS on what we cover, don’t cover and any t&cs

Remember, injuries are covered (up to the remaining annual limit and to the terms, conditions, and exclusions in their PDS) if they happen after their waiting period. For example, if their pet was hit by a car or had a snake bite. You can also find our PDS here

How do I check cover when you’re closed?

To get in touch with us you can email us support@fetchpet.au or chat to us on our website and we’ll get back to you when we re-open.

However, we know emergencies don’t always happen in office hours. Here’s how your client can check cover if we’re closed. In the plan section of their app they can check:

If their pet has any waiting periods or pre-existing conditions (once their pre-existing condition checks are complete)
Their pet’s remaining annual limit, excess and cover%
Their pet’s plan PDS on what we cover, don’t cover and any t&cs

How do I check cover when you’re closed?

To get in touch with us you can email us support@fetchpet.au or chat to us on our website and we’ll get back to you when we re-open.

However, we know emergencies don’t always happen in office hours. Here’s how your client can check cover if we’re closed. In the plan section of their app they can check:

If their pet has any waiting periods or pre-existing conditions (once their pre-existing condition checks are complete)
Their pet’s remaining annual limit, excess and cover%
Their pet’s plan PDS on what we cover, don’t cover and any t&cs