Some words or phrases in the policy have been defined below. Defined words or phrases are printed in bold type and have the following meanings, unless a different meaning is described in a particular coverage or endorsement.
The named insured as shown on the declarations page, and the spouse or partner, if residing at the same address.
The company providing this insurance, or the company’s designated representative.
Any dog or cat named and described on the declarations page and for which a premium has been paid.
Any change in your pet’s temperament, activity or inactivity that is abnormal, dysfunctional or unusual for which there is no underlying medical condition(s). Behavioral disorders include, but are not limited to, aggression, separation anxiety or phobias.
Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, recorded in your pet’s medical record, or identified in previously performed examinations or treatment(s) for your pet).
The percentage of your claim for which you are liable before any applicable deductible is applied.
Any condition(s), abnormality(ies) or disorder(s) present at and existing or from the birth of your pet.
Any medical condition or injury that can be completely resolved without recurrence or any manifestations of clinical signs.
There is a three hundred sixty-five (365) day exclusionary period for any curable medical condition that is observed, recorded, or identified up to three hundred sixty-five (365) days prior to the original inception date of the policy, during the waiting period, or during your pet’sfirst exam. A second three hundred sixty-five (365) day exclusionary period will apply if the curable medical condition reoccurs within the first three hundred sixty-five (365) days after the original inception date of the policy. If the same curable medical condition reoccurs during the second exclusionary period, then it will be excluded from coverage for the life of your pet.
A written document comprising part of this policy which identifies the named insured, policy number, insured pet, insured coverage options selected, policy period, any applicable co-pay(s) and/or deductible(s) and the maximum annual policy coverage provided.
The fixed amount per policy period for which you are liable prior to receiving any claims settlement that will be deducted from any reimbursement made to you, after any co-pay amount has been deducted.
Reimbursement under this policy will only be available once limits for coverage under any other policy have been exhausted.
Any situation, event or medical condition not covered by this policy.
Drugs, therapies, or treatments that are unproven, have been confined largely to laboratory use, or have progressed to limited pet application and trials, and lack wide recognition from the scientific community as a proven and effective measure of treatment.
The earliest exam performed by a veterinarian after the effective date of the policy, but during the policy period if your pet has not been examined by a veterinarian within six (6) months prior to the effective date of the policy.
Any treatments including but not limited to acupuncture, aromatherapy, chiropractic, and homeopathic therapy administered by a veterinarian to treat an injury or illness.
Any change to the normal healthy state of your pet such as a sickness, disease or medical condition (except behavioral disorders) not caused by an accident.
Physical harm to your pet caused by normal activity or an accident.
The most we reimburse during the policy period for each type of insured coverage covered by this policy as shown on the declarations page.
All clinical sign(s) and symptoms resulting from the same diagnostic classification or disease process, regardless of the number of illnesses or injuries or areas of the body affected.
Any treatment or procedure which is directly and materially related to a covered illness or injury, as recommended and documented in your pet’s medical records by the treating veterinarian.
The first policy period effective date with us for your pet where continuous coverage has been provided without interruption. Any lapse or gap in coverage will reset the date to the next policy period effective date after the lapse or gap in coverage.
Any treatment including but not limited to hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching, electrical stimulation administered by a veterinarian to treat an injury or illness.
All terms and conditions of this policy and any endorsements thereto including the declarations page.
The period from the effective date to the expiration date of the policy as set forth on the declarations page.
A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period, or during your pet's first exam.
Any treatment, service or procedure, including but not limited to physical examinations, medications, surgeries, inoculations or laboratory procedures, for the purpose of prevention of illness or injury or for the promotion of general health, where there has been no injury or illness.
The fees regularly charged for a given treatment, sick visit fee, or procedure by the treating veterinary facility, or the fee regularly charged by a licensed kennel or cattery.
The veterinarian examination cost for treating your pet’s injury or illness.
Any medicinal substance including but not limited to nutraceuticals, vitamins, and herbal medicines not requiring a prescription that a veterinarian recommends for the treatment of an injury or illness.
Any treatment administered by a veterinarian to treat any injury or illness by means of remote telecommunications technology including but not limited to phone, email, Internet, text and video.
All provisions of this policy.
Any veterinary care and prescribed medications administered by a veterinarian, or under a veterinarian’s direct supervision, in treating your pet’s injury or illness, within the United States or Canada.
Any licensed veterinarian residing and practicing within the United States or Canada from whom your pet has received treatment.
There is a waiting period of up to fifteen (15) days beginning on the effective date of this policy during which we will not cover any injury, illness, behavioral disorder or any other coverage provided by this policy. The waiting period will not apply to any renewal of your policy if renewal coverage is continuously maintained. Medical conditions for which clinical sign(s) were observed during the waiting period are excluded from this policy as pre-existing conditions. (See also Section V.e.)
Any dog used for occupational, professional, or business use.
Upon your payment of the premium when due, and in reliance on the statements you made, we will provide coverage as specifically described in and subject to the terms and conditions of this policy for your covered pet.
Except if stated to the contrary, all insured coverages are subject to all the terms, conditions and limitations as stated herein and as shown on the declarations page.
We will provide the coverages to you as set forth in the paragraphs below subject to the following:
For any covered loss that is treated during the policy period, you are responsible for an amount of co-pay and we will subtract the deductible as stated on your declarations page from the covered amount.
The co-pay percentage will be deducted from the total of all costs for a covered loss. Once the co-pay has been applied, the deductible will be applied to the remaining amount. When treatment dates of a covered loss fall into two or more policy periods, you will be responsible for a deductible for each policy period.
In addition to the application of the co-pay and deductible, there are total limits on our insurance per policy period as set forth on the declarations page as maximum annual policy coverage limit. (See also Section VI.)
This policy does not cover:
Fetch, Inc. (Fetch) offers its customers mobile alerts regarding informational messages about pet insurance policy, claim updates, and payment reminders by SMS message (the "Service") to short code 30358. By participating in the Service, you are agreeing to these Terms and to the Privacy Policy.
Fetch. Inc. offers its customers mobile alerts regarding pet insurance policy changes, insurance claim updates, and payment reminders by SMS message (the "Service") on short code 33824. By participating in the Service, you are agreeing to these Terms and to the Privacy Policy.
Enrollment in the Service requires you to provide your mobile phone number and to agree to these terms and conditions. You may not enroll if you are under 18 years old. Before the Service will start, you will need to agree to these Terms. Fetch. Inc. reserves the right to stop offering the Service at any time with or without notice.
By opting into the Service, you:
Once you affirm your choice to opt-in to the Service, your message frequency may vary. You may receive an alert when instances occur such as:
Once you affirm your choice to opt-in to the Service on short code 33824, your message frequency may vary. You may receive alerts about:
Message and data rates may apply. Please consult your service agreement with your wireless carrier or contact your wireless carrier to determine your phone's pricing plan and the charges for sending and receiving text messages. You acknowledge that you are responsible for any message, data or other charges incurred (usage, subscription, etc.) as a result of using the Service. Supported carriers are AT & T, T-Mobile, Verizon Wireless, Sprint, Boost, Virgin Mobile, U.S. Cellular, Cricket, Alltel, Cincinnati Bell, Cellcom, C-Spire, nTelos, MetroPCS, and other smaller regional carriers. The Service may not be available on all wireless carriers. Fetch, Inc. may add or remove any wireless carrier from the Service at any time without notice. Fetch, Inc., and mobile carriers are not responsible for any undue delays, failure of delivery, or errors in messages.
Standard message and data rates may apply. Please consult your service agreement with your wireless carrier or contact your wireless carrier to determine your phone's pricing plan and the charges for sending and receiving text messages. You acknowledge that you are responsible for any message, data or other charges incurred (usage, subscription, etc.) as a result of using the Service.
The Service may not be available on all wireless carriers. Fetch. Inc. may add or remove any wireless carrier from the Service at any time without notice. Fetch. Inc. and mobile carriers are not responsible for any undue delays, failure of delivery, or errors in messages.
To stop receiving text messages from Fetch, Inc. text the word STOP to 30358 any time or reply STOP to any of the text messages you have received from Fetch Inc. After texting STOP to 30358, you will receive one additional message confirming that your request has been processed.
To stop receiving text messages from Fetch. Inc., text the word STOP to short code 33824 any time or reply STOP to any of the text messages you have received from Fetch. Inc. After texting STOP to short code 33824, you will receive one additional message confirming that your request has been processed.
You can text HELP for help at any time. This will provide you a toll-free phone number (855-619-0201) to call for assistance. You can also contact us at [email protected] or mail us at Fetch, Inc PO Box 1489 Bolingbrook, IL 60440.
You can text HELP for help at any time to short code 33824. This will provide you with customer service toll free number 1-844-928-2144. You can also contact us at Fetch Inc, PO Box 1489 Bolingbrook, IL 60440.
These Mobile Terms and Conditions are subject to change at any time without notice.
Some words or phrases in the policy have been defined below. Defined words or phrases are printed in bold type and have the following meanings, unless a different meaning is described in a particular coverage or endorsement.
The named insured as shown on the declarations page, and the spouse or partner, if residing at the same address.
The company providing this insurance, or the company’s designated representative.
Any dog or cat named and described on the declarations page and for which a premium has been paid.
Any change in your pet’s temperament, activity or inactivity that is abnormal, dysfunctional or unusual for which there is no underlying medical condition(s). Behavioural disorders include, but are not limited to, aggression, separation anxiety or phobias.
Changes in your pet’s normal healthy state, its bodily functions or behavior (as observed by any individual, recorded in your pet’s medical record, or identified in previously performed examinations or treatment(s) for your pet).
The percentage of your claim for which you are liable before any applicable deductible is applied.
Any condition(s), abnormality(ies) or disorder(s) present at and existing from the birth of your pet.
Any medical condition or injury that can be completely resolved without recurrence or any manifestations of clinical signs.
There is a three hundred sixty-five (365) day exclusionary period for any curable medical condition that is observed, recorded, or identified up to three hundred sixty-five (365) days prior to the original inception date of the policy or during the waiting period. A second three hundred sixty-five (365) day exclusionary period will apply if the curable medical condition reoccurs within the first three hundred sixty-five (365) days after the original inception date of the policy. If the same curable medical condition reoccurs during the second exclusionary period, then it will be excluded from coverage for the life of your pet.
A written document comprising part of this policy which identifies the named insured, policy number, insured pet, insured coverage options selected, policy period, any applicable co-pay(s) and/or deductible(s) and the maximum annual policy coverage provided.
The fixed amount per policy period for which you are liable prior to receiving any claims settlement that will be deducted from any reimbursement made to you, after any co-pay amount has been deducted.
Reimbursement under this policy will only be available once limits for coverage under any other policy have been exhausted.
Any situation, event or medical condition not covered by this policy.
Drugs, therapies, or treatments that are unproven, have been confined largely to laboratory use, or have progressed to limited pet application and trials, and lack wide recognition from the scientific community as a proven and effective measure of treatment.
The earliest exam performed by a veterinarian after the effective date of the policy, but during the policy period if your pet has not been examined by a veterinarian within six (6) months prior to the effective date of the policy.
Any treatments including but not limited to acupuncture, aromatherapy, chiropractic, and homeopathic therapy administered by a veterinarian to treat an injury or illness.
Any change to the normal healthy state of your pet such as a sickness, disease or medical condition (except behavioural disorders) not caused by an accident.
Physical harm to your pet caused by normal activity or an accident.
The most we reimburse during the policy period for each type of insured coverage covered by this policy as shown on the declarations page.
All clinical sign(s) and symptoms resulting from the same diagnostic classification or disease process, regardless of the number of illnesses or injuries or areas of the body affected.
Any treatment or procedure which is directly and materially related to a covered illness or injury, as recommended and documented in your pet’s medical records by the treating veterinarian.
The first policy period effective date with us for your pet where continuous coverage has been provided without interruption. Any lapse or gap in coverage will reset the date to the next policy period effective date after the lapse or gap in coverage.
Any treatment including but not limited to hydrotherapy, laser, underwater treadmill, kinesiotherapy, land-based exercise, massage, stretching, electrical stimulation administered by a veterinarian to treat an injury or illness.
All terms and conditions of this policy and any endorsements thereto including the declarations page.
The period from the effective date to the expiration date of the policy as set forth on the declarations page.
A medical condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period.
Any treatment, service or procedure, including but not limited to physical examinations, medications, surgeries, inoculations or laboratory procedures, for the purpose of prevention of illness or injury or for the promotion of general health, where there has been no injury or illness.
The fees regularly charged for a given treatment, sick visit fee, or procedure by the treating veterinary facility, or the fee regularly charged by a licensed kennel or cattery.
The veterinarian examination cost for treating your pet’s injury or illness.
Any medicinal substance including but not limited to nutraceuticals, vitamins, and herbal medicines not requiring a prescription that a veterinarian recommends for the treatment of an injury or illness.
Any treatment administered by a veterinarian to treat any injury or illness by means of remote telecommunications technology including but not limited to phone, email, Internet, text and video.
All provisions of this policy.
Any veterinary care and prescribed medications administered by a veterinarian, or under a veterinarian’s direct supervision, in treating your pet’s injury or illness, within the United States or Canada.
Any licensed veterinarianresiding and practicing within the United States or Canada from whom your pet has received treatment.
There is a fifteen (15) day period beginning on the effective date of this policy during which we will not cover any injury, illness, behavioural disorder or any other coverage provided by this policy. The waiting period will not apply to any renewal of your policy if renewal coverage is continuously maintained. Medical conditions for which clinical sign(s) were observed during the waiting period are excluded from this policy as pre-existing conditions. (See also Section V.e.)
Any dog used for occupational, professional, or business use.
Upon your payment of the premium when due, and in reliance on the statements you made, we will provide coverage as specifically described in and subject to the terms and conditions of this policy for your covered pet.
Except if stated to the contrary, all insured coverages are subject to all the terms, conditions and limitations as stated herein and as shown on the declarations page.
We will provide the coverages to you as set forth in the paragraphs below subject to the following:
For any covered loss that is treated during the policy period, you are responsible for an amount of co-pay and we will subtract the deductible as stated on your declarations page from the covered amount.
The co-pay percentage will be deducted from the total of all costs for a covered loss. Once the co-pay has been applied, the deductible will be applied to the remaining amount. When treatment dates of a covered loss fall into two or more policy periods, you will be responsible for a deductible for each policy period.
In addition to the application of the co-pay and deductible, there are total limits on our insurance per policy period as set forth on the declarations page as maximum annual policy coverage limit. (See also Section VI.)
This policy does not cover:
Fetch, Inc. (Fetch) offers its customers mobile alerts regarding informational messages about pet insurance policy, claim updates, and payment reminders by SMS message (the "Service") to short code 30358. By participating in the Service, you are agreeing to these Terms and to the Privacy Policy.
Fetch. Inc. offers its customers mobile alerts regarding pet insurance policy changes, insurance claim updates, and payment reminders by SMS message (the "Service") on short code 33824. By participating in the Service, you are agreeing to these Terms and to the Privacy Policy.
Enrollment in the Service requires you to provide your mobile phone number and to agree to these terms and conditions. You may not enroll if you are under 18 years old. Before the Service will start, you will need to agree to these Terms. Fetch. Inc. reserves the right to stop offering the Service at any time with or without notice.
By opting into the Service, you:
Once you affirm your choice to opt-in to the Service, your message frequency may vary. You may receive an alert when instances occur such as:
Once you affirm your choice to opt-in to the Service on short code 33824, your message frequency may vary. You may receive alerts about:
Message and data rates may apply. Please consult your service agreement with your wireless carrier or contact your wireless carrier to determine your phone's pricing plan and the charges for sending and receiving text messages. You acknowledge that you are responsible for any message, data or other charges incurred (usage, subscription, etc.) as a result of using the Service. Supported carriers are AT & T, T-Mobile, Verizon Wireless, Sprint, Boost, Virgin Mobile, U.S. Cellular, Cricket, Alltel, Cincinnati Bell, Cellcom, C-Spire, nTelos, MetroPCS, and other smaller regional carriers. The Service may not be available on all wireless carriers. Fetch, Inc. may add or remove any wireless carrier from the Service at any time without notice. Fetch, Inc., and mobile carriers are not responsible for any undue delays, failure of delivery, or errors in messages.
Standard message and data rates may apply. Please consult your service agreement with your wireless carrier or contact your wireless carrier to determine your phone's pricing plan and the charges for sending and receiving text messages. You acknowledge that you are responsible for any message, data or other charges incurred (usage, subscription, etc.) as a result of using the Service.
The Service may not be available on all wireless carriers. Fetch. Inc. may add or remove any wireless carrier from the Service at any time without notice. Fetch. Inc. and mobile carriers are not responsible for any undue delays, failure of delivery, or errors in messages.
To stop receiving text messages from Fetch, Inc. text the word STOP to 30358 any time or reply STOP to any of the text messages you have received from Fetch Inc. After texting STOP to 30358, you will receive one additional message confirming that your request has been processed.
To stop receiving text messages from Fetch. Inc., text the word STOP to short code 33824 any time or reply STOP to any of the text messages you have received from Fetch. Inc. After texting STOP to short code 33824, you will receive one additional message confirming that your request has been processed.
You can text HELP for help at any time. This will provide you a toll-free phone number (855-619-0201) to call for assistance. You can also contact us at [email protected] or mail us at Fetch, Inc PO Box 1489 Bolingbrook, IL 60440.
You can text HELP for help at any time to short code 33824. This will provide you with customer service toll free number 1-844-928-2144. You can also contact us at Fetch Inc, PO Box 1489 Bolingbrook, IL 60440.
These Mobile Terms and Conditions are subject to change at any time without notice.