Does Fetch pet insurance have a waiting period?
Lemonade Pet is not sold in every state.
Barely. Fetch has no accident waiting period from the policy effective date, the fastest accident start of the eight insurers we review, and waits up to 15 days for illness. There is no separate orthopedic clock documented in our review data, but also no documented waiver mechanism like Embrace or Figo offer.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
The two clocks
Accidents: none. Coverage runs from the policy effective date. Illness: up to 15 days. That combination suits owners insuring right before an active, accident-prone stretch: a new puppy, a sporting dog, an adventurous cat.
On orthopedic conditions, our review data lists no separate orthopedic or cruciate clock at Fetch. It also does not document a waiver mechanism, so treat the published clocks as applying as written.
Pre-existing rules at Fetch
Signs shown before enrollment or during an applicable wait are pre-existing, standard across every insurer we review. Our review data does not document a curable-condition reinstatement path at Fetch, so compare Embrace or Lemonade if a healed condition in your pet’s history matters to you.
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