Explore Pet Insurance

Fetch pet insurance at a glance

  • Manage your policy, submit claims and check your coverage through the Fetch app
  • Cover for dental, physio and behavioural treatment is included as standard
  • Claims can be paid directly to your vet, so you only need to pay your contribution

About Fetch pet insurance

Fetch aims to revolutionise the way people care for their pets with an easy-to-use app. Australia-based vet nurses are available to answer pet health queries around the clock, and Fetch’s simple yet comprehensive pet insurance policies can also be managed through the app. Fetch pet insurance is underwritten by Pacific International Insurance.

What Fetch pet insurance covers

Pet insurance through Fetch can cover:

  • Treatment costs for injuries and illnesses (including tests, consultations and hospitalisations)
  • Prescribed medications
  • Vet consultations
  • Emergency boarding for your pet if you’re hospitalised unexpectedly and don’t have someone to care for them
  • Dental treatment as a result of injuries and illnesses
  • Physiotherapy for diagnosed conditions
  • Treatment for diagnosed behavioural disorders and conditions
  • Emergency transport and home visits (under certain conditions)
  • Costs for food while your pet is in hospital or to treat a diagnosed condition
  • An awareness campaign on social media if your pet is lost
  • End-of-life care
  • Snake, tick and parasite bites and infections (provided your pet has received parasite prevention treatment)
  • Prostheses and devices (if recommended by your vet)
  • Vaccine-preventable diseases (provided your pet is up to date with their vaccines)
  • One course of acupuncture or cold laser therapy to treat a diagnosed condition.

Be sure to check the policy’s Product Disclosure Statement (PDS) before purchasing to check what you’re covered for, and the Target Market Determination (TMD) to see whether the policy suits you.

Information accurate as of October 2023.

Why choose Fetch pet insurance?

Australian pet owners are choosing Fetch for their pet insurance for benefits like:

  • 24/7 access to vet advice and support through the Fetch app
  • No sub-limits for different conditions
  • Vets can be paid directly through Fetch, so you only have to pay your contribution upfront
  • A team of vets and insurance specialists help you manage your pet’s health and insurance
  • Waived waiting periods considered if a video of your pet shows no injuries or illnesses

Frequently asked questions

How can I pay for my Fetch pet insurance?

You can pay your Fetch pet insurance premium monthly with your card, with your plan automatically renewing each month.

How do I make a pet insurance claim with Fetch?

Submit your pet insurance claim through the Fetch app, where you’ll be prompted to enter the details of your claim (e.g. claim type, uploading invoices). You can track the progress of your claim through the app, and Fetch will contact you if they need further information. Your claim can be paid directly to your vet, so you need only pay your contribution upfront. Your contribution could include your excess, the percentage of your cover that you pay, any items not covered by your plan and any amount over your 12-month limit.

If you have Fast Claim enabled with Fetch, they’ll check your pet’s medical history before you submit your claim and advise whether your pet has any pre-existing medical conditions that aren’t covered.

How much of my vet bills does Fetch cover?

Fetch pet insurance can cover up to 80%, 90% or 100% of your eligible vet bills, depending on which option you choose. Your policy excess may also help to determine how much you can claim.

Does Fetch allow me to choose the treating vet?

You can choose your treating vet with Fetch pet insurance. Adding your vet to the Fetch app can streamline the claims process, and enable your vet to check your pet’s cover and submit their bills directly to Fetch.

Does Fetch pet insurance cover pre-existing conditions?

Pre-existing conditions are not covered by Fetch pet insurance. Pre-existing conditions can include any illness, injury or other issues that started before you took out cover, as well as any symptoms or conditions you noticed prior to taking out cover but were not yet diagnosed by a vet.

Does Fetch pet insurance have waiting periods?

There are several waiting periods that can apply to your Fetch pet insurance. Cover for injuries incurs a 2-day waiting period, while illnesses have a 30-day waiting period. Cruciate ligament issues, Patellar Luxation, Hip Dysplasia, Elbow Dysplasia, BOAS (Brachycephalic Obstructive Airway Syndrome) and Cherry Eye attract a 90-day waiting period.

However, you may be able to waive your waiting period by sending Fetch a short video and a few photos of your pet showing that it has no illnesses or injuries.

Is there an age limit for pets covered by Fetch?

Your pet must be at least eight weeks old to be covered by Fetch pet insurance, although you can arrange beforehand for cover to start when your pet reaches that age. You won’t be able to take out a new Fetch policy if your pet is over nine years old, but they can stay covered after this age if they’ve been continuously covered by Fetch before they turned nine.

Do I have to pay an excess with Fetch pet insurance?

You may have to pay an excess when you claim on your Fetch pet insurance. This will depend on the excess amount you chose when you took out your policy.

How do I cancel my Fetch pet insurance?

To cancel your Fetch pet insurance policy, contact Fetch through the chat function in the app. If you cancel your policy during the 14-day cooling-off period after you purchased it, you’ll be fully refunded as long as no claims have been made. Otherwise, you’ll be refunded the remaining portion of the current month’s premium.

Compare pet insurance today

If you’re in the market for pet insurance, you don’t need to go far. You can compare a range of pet insurance policies – including those from Fetch – right here on our pet insurance comparison service. Simply enter a few details about your pet and insurance needs, and away you go!

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