Underwritten by AXIS Insurance Company · Updated 2026-11-09
Excellent
How we scoreThe key terms of a Fetch plan. Tap the source under any item to see the exact wording, or read the full Fetch sample policy.
Accident waiting period
None for accidents from an unexpected event; injuries from 'normal activity' fall under the 15-day wait
“Accidents or injuries resulting from an unexpected event do not have a waiting period.”
Open document, page 6retrieved 2026-11-09
Illness waiting period
15 days
“There is a fifteen (15) day period beginning on the original inception date of this policy during which we will not cover any injury resulting from normal activity, illness,”
Open document, page 6retrieved 2026-11-09
Knee & hip (orthopedic) wait
180 days, lifetime exclusion if the condition occurs in that window (knee exception with vet exam; accidents exempt)
“Orthopedic conditions that occur during the first one hundred eighty (180) days after the original inception date are excluded and are pre-existing conditions for the life of the policy.”
Open document, page 11retrieved 2026-11-09
Pre-existing conditions
Excluded. Curable conditions seen in the 365 days before enrollment or during the wait: 365-day exclusion, then coverable with an annual vet exam; if it recurs, a second 365-day period; recurrence in the second period = excluded for life. The policy's wording is unclear on the second year; check with Fetch.
“will be subject to a curable exclusionary period of three hundred sixty- five (365) days from the original inception date of the policy.”
Open document, page 10retrieved 2026-11-09
Dental illness
Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excluded
“Costs arising out of or related to any treatment for oral health, including but not limited to dental disease(s) or illnesses, malocclusions and deciduous teeth, where clinical sign(s)”
Open document, page 11retrieved 2026-11-09
Deductible
Annual (per policy period). Options not in policy.
“you will be responsible for a deductible for each policy period.”
Open document, page 10retrieved 2026-11-09
Annual limit options
$5,000 / $10,000 / $15,000 (unlimited by phone per a Fetch blog)
“including $5,000, $10,000 and $15,000”
Open document, web pageretrieved 2026-11-09
Maximum enrollment age
No upper age limit (minimum 6 weeks)
“Fetch covers dogs and cats 6 weeks and older with no upper age limits.”
Open document, web pageretrieved 2026-11-09
Fetch Pet Insurance
Accident waiting periodThe policy says
“Accidents or injuries resulting from an unexpected event do not have a waiting period.”
Policy, page 6Why it matters: Fetch's /faqs/waiting-period says any accident during the waiting period is pre-existing, which contradicts both the policy and Fetch's own pre-existing-conditions guide ('There is no waiting period for accidents').
Fetch Pet Insurance
Knee & hip (orthopedic) waitThe website says
“There's also a 6-month waiting period before orthopedic conditions can be covered.”
Fetch Pet Insurance websiteThe policy says
“Orthopedic conditions that occur during the first one hundred eighty (180) days after the original inception date are excluded and are pre-existing conditions for the life of the policy.”
Policy, page 11Why it matters: Marketing calls it a '6-month waiting period'; the policy makes any orthopedic condition that starts in the first 180 days a lifetime exclusion. Fetch pages also disagree on the knee-exam deadline: /faqs/waiting-period says within 180 days, /coverage and /faqs/pet-insurance-effective-date say the first 30 days (policy: 180 days).
Fetch Pet Insurance
DeductibleThe website says
“we'll show you three recommended deductibles specific to your pet — they can range between $250 to $2,500.”
Fetch Pet Insurance websiteWhy it matters: A Fetch blog post lists different menus (dogs $300/$500/$700, cats $250/$300/$400) from the FAQ's $250-$2,500 range. Treat the menu as quote-dependent.
What customers say
“Submitting claims is so simple. I love the convenience of the mobile app. and how quickly claims get turned around.”
Holly · Trustpilot review
“When I called the representative was very helpful in telling me how to submit a claim. My dog's claim was handled promptly.”
Trustpilot reviewer · Trustpilot review
In the policy document we read: accidents, None for accidents from an unexpected event; injuries from 'normal activity' fall under the 15-day wait; illness, 15 days; knee and hip conditions, 180 days, lifetime exclusion if the condition occurs in that window (knee exception with vet exam; accidents exempt). Waiting periods can differ by state.
Excluded. Curable conditions seen in the 365 days before enrollment or during the wait: 365-day exclusion, then coverable with an annual vet exam; if it recurs, a second 365-day period; recurrence in the second period = excluded for life. The policy's wording is unclear on the second year; check with Fetch. (from the Fetch policy document).
Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excluded (from the Fetch policy document).
No upper age limit (minimum 6 weeks). This comes from the Fetch website; the policy document leaves it to the declarations page.
This page reads a sample Fetch policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.