Fetch helps you pay for unexpected vet bills from new accidents and illnesses. Pet insurance does not, however, cover pre-existing conditions, routine care or wellness visits.
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A pre-existing condition is defined as a medical condition which first occurred or showed clinical signs before the effective date of your pet’s insurance policy or during the policy waiting periods. That means if your pet was sick before your policy became active, treatment for that condition will not be covered. Medical records will indicate whether or not a condition was pre-existing, which is why we require them when we review claims.

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Routine care or wellness includes things like annual wellness exams, spaying and neutering, teeth cleaning, flea and tick protection and vaccines. We also do not cover elective procedures like tail docking, ear cropping and declawing unless deemed medically necessary by your vet.