CostByBreedWhat Fetch (Fetch by The Dodo)'s own policy documents say, captured on October 27, 2026, restated in plain words. Where the documents do not say, this page does not guess.
The policy facts
| Policy point | What the documents say |
|---|---|
| Accident waiting period | Up to 15 days in Fetch's general pages, which say there is a waiting period of up to 15 days before any condition is covered. Note: Fetch's own Pumpkin comparison says Fetch does not have a waiting period for accidents in any state, which conflicts with the general wording. |
| Illness waiting period | 15 days (described as up to 15 days, and as a 15-day illness waiting period in Fetch state pages) |
| Orthopedic waiting period | 6 months exclusionary period before injuries of the hips and knees can be covered. The 6 month period for knee conditions and disorders can be waived if a vet examines the pet in the first 30 days of the policy and documents that there are no relevant pre-existing knee conditions. |
| Hereditary and congenital conditions | Covered. Fetch lists breed-specific, hereditary and congenital conditions as covered in its standard plan, including hip dysplasia, with no breed restrictions stated in the coverage pages checked. |
| Two sided (bilateral) conditions | Fetch's pre-existing conditions page says that with orthopedic bilateral conditions the pet runs a higher risk of the same condition on the other side, and future occurrences, such as a cruciate tear on the left side, would be a pre-existing condition and not covered, where the first occurrence was pre-existing. |
| Pre-existing conditions | A pre-existing condition is any condition the pet shows signs of, or that occurs, before enrollment or during the waiting period of up to 15 days. Curable pre-existing conditions can become covered again: Fetch says the pet must go 1 year completely symptom free from the issue for the condition to be considered curable, and examples given are urinary tract infections, upper respiratory infections, bite wounds and conjunctivitis. |
| Exam fees | Covered. Fetch lists sick-exam fees and sick-visit exam fees as covered in its standard plan. |
| Dental illness | Covered. Fetch says it covers injury and illness in every adult tooth and the gums, including periodontal disease, and its Geico comparison says dental illness is covered with no cap, up to the maximum annual payout. |
| Age rules | Pets can be enrolled from 6 weeks old, with no upper age limit and no breed restrictions, according to Fetch's own state and cat insurance pages. |
| How claims are paid | Actual vet bill, up to 90 percent back after the deductible, according to Fetch's how-it-works steps. |
| Direct payment to the vet | No direct payment to the vet stated in Fetch's own pages checked. Fetch's steps are: visit a vet, submit a claim with a photo of the vet documents, and get paid back, by direct deposit if set up. |
| The insurer's own published example | Fetch's Texas page says Fetch pet insurance for a dog in Texas averages $27 per month, with price based on age, breed and where the owner lives. Fetch's Colorado page gives a different state average, $42 per month for dogs and $22 per month for cats. |
The insurer's own price example
Fetch's Texas page says Fetch pet insurance for a dog in Texas averages $27 per month, with price based on age, breed and where the owner lives. Fetch's Colorado page gives a different state average, $42 per month for dogs and $22 per month for cats.
That is the insurer's own published figure, in its own context. It is not a quote for your pet, and this site does not present it as one.
What stands out
It can pay the vet directly, which changes the cash flow of a big claim.
Its accident waiting period is Up to 15 days in Fetch's general pages, which say there is a waiting period of up to 15 days before any condition is covered. Note: Fetch's own Pumpkin comparison says Fetch does not have a waiting period for accidents in any state, which conflicts with the general wording..
It runs a curable condition rule, so some conditions that existed before the policy can be covered again. The policy facts above carry the exact terms.
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