How long does pet insurance take to kick in?

For residents of DE, LA, ME, MS, NE, NH, WA, click to review an Insurer Disclosure of Important Policyholder Provisions.
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Program not available in New Brunswick and Quebec.

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods and other terms vary by state. Exclusions apply, such as pre-existing conditions. Please see your policy for full terms and conditions of coverage.

This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval.  If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. 

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc. Information accurate as of April 2024.

Fetch Forward and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.

Fetch is a registered trademark owned by Fetch, Inc. Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc. 

Unmatched according to The Dodo, May 2022. The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. 

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations.

Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

1 out of 3 pets need emergency veterinary treatment each year according to MetLife Pet Insurance. 6 Shocking Pet Health Statistics. Published February 2022.