Fetch pet insurance

Fetch’s policies cover a wide range of treatments, including accidents, illnesses, surgeries, vet visits, and hospitalisation. Additional coverage includes behavioural therapy and emergency boarding. For specific conditions, such as cancer, there are flexible options available. Always refer to the Product Disclosure Statement (PDS) and Certificate of Insurance for full details on coverage.

Claims can be submitted online through Fetch’s portal, or directly with a participating vet. Most claims are processed quickly, typically within 10 days.

The excess is paid per condition or claim, depending on the policy type and options you select. The amount may vary based on your coverage choices. You can choose between a $0, $100 or $200 excess.

Yes, there are waiting periods: typically 2 days for accidents, 30 days for illnesses, and 90 days for cruciate ligament injuries, ​​patellar luxation, hip dysplasia, elbow dysplasia and BOAS (Brachycephalic Obstructive Airway Syndrome) and cherry eye. 

If you provide Fetch with a 15-second video showing your pet is healthy and injury-free, they may allow you to bypass the standard waiting periods for coverage.

No, pre-existing conditions are excluded. This includes any injuries, illnesses, behavioural issues (temporary or otherwise), or other conditions that began before your pet’s policy became active, including during waiting periods.

Missing a premium payment could result in a lapse in coverage, so it’s important to ensure your direct debit is up to date.

Fetch offers 24/7 access to its emergency triage service, Pet Healthline, via the treatments tab on their app. For more general pet advice, you can start a chap within the app.

Fetch doesn’t currently offer any discounts on premiums or plans. For the most up-to-date promotions and offers, visit the provider's website directly.