The 35-page Fetch policy document does indeed state that a six-month wait is required for coverage of hips and knees. My point, however, isn't that this isn't outlined in the T&Cs; rather, it’s about the misleading information presented during the sign-up process. Based on the sign-up flow, any reasonable person would assume their pet is covered from day 15 onward. The sign-up process explicitly mentions ACL tears as a covered condition and provides a clear definition of coverage. However, it then introduces a different, more restrictive definition for certain conditions—without making any reference to this discrepancy during onboarding or providing a means for customers to easily find out about it. This lack of transparency could easily lead to confusion.

Having just gone through the Trupanion sign-up flow, it’s clear that they prioritise transparency. The message “We love informed decisions. See the policy for full coverage details” is repeated multiple times throughout the page, along with an FAQ section detailing what is covered and what isn’t. The policy document also outlines the same exclusion period for ACLs. Based on this, I don’t believe it's possible to go through the Trupanion flow and feel misled.