Once you’re enrolled with a pet insurance provider, there’s typically a waiting period before your coverage begins. Injuries or illnesses that occur during this waiting period will not be covered. When you sign up with Fetch, there's a waiting period of up to 15 days before accident & illness coverage begins. There is no waiting period for Fetch Wellness coverage for routine & preventive care (if added) — it can be used on or after the effective date of your pet’s policy.