Fetch Pet Insurance Canada 2025: Full Review & Pricing
Our expert's opinion on Fetch
Fetch offers a single comprehensive pet insurance plan for dogs and cats that covers accidents and illnesses, with an optional Fetch Wellness add-on for routine and preventive care.
The plan reimburses up to 90% of covered vet bills (co-pay applied first, then an annual deductible), provides a range of diagnostic, emergency, dental, complementary therapy and specialist care coverages, and includes multiple $1,000 annual sub-limits for behavioural therapy, telehealth, advertising and reward, boarding, loss due to theft, death reimbursement, and vacation cancellation; premiums are age-based with example monthly rates in the provided quote table and a 10% monthly discount promotion for the first year. Compared with many mainstream pet insurers, Fetch emphasizes straightforward single-plan coverage with an optional wellness add-on, high reimbursement options (up to 90%), and age-tiered pricing backed by promotional discounts.
Best suited for owners of young to middle-aged pets seeking broad accident and illness protection with optional preventive care.
Policies are underwritten by AXIS Reinsurance Company; the provided documents do not disclose insurer revenues or premium volumes. Claims are submitted electronically (within 90 days of treatment) and Fetch reports typical reimbursements by direct deposit within about two days after co-pay and deductible processing, with an internal appeals process available.
- ✅Single comprehensive accident and illness plan
- ✅Optional Fetch Wellness for routine preventive care
- ✅Reimbursement up to 90% (co-pay and deductible structure)
- ✅Coverage for diagnostics, dental, specialists, and complementary therapy
- ✅$1,000 annual sub-limits for several non-medical supports
- ✅Quick typical reimbursement turnaround (about two days)
- ✅Underwritten by AXIS Reinsurance Company
- ❌Premiums rise substantially with pet age
- ❌Pre-existing conditions exclusions and orthopedic waiting rules
- ❌Routine care excluded without wellness add-on
- ❌Behavioural and telehealth coverage capped at $1,000
- ❌Co-pay applied before deductible can reduce net payouts
Score- ✅Single comprehensive accident and illness plan
- ✅Optional Fetch Wellness for routine preventive care
- ✅Reimbursement up to 90% (co-pay and deductible structure)
- ✅Coverage for diagnostics, dental, specialists, and complementary therapy
- ✅$1,000 annual sub-limits for several non-medical supports
- ✅Quick typical reimbursement turnaround (about two days)
- ✅Underwritten by AXIS Reinsurance Company
Our expert's opinion on Fetch
- ✅Single comprehensive accident and illness plan
- ✅Optional Fetch Wellness for routine preventive care
- ✅Reimbursement up to 90% (co-pay and deductible structure)
- ✅Coverage for diagnostics, dental, specialists, and complementary therapy
- ✅$1,000 annual sub-limits for several non-medical supports
- ✅Quick typical reimbursement turnaround (about two days)
- ✅Underwritten by AXIS Reinsurance Company
- ❌Premiums rise substantially with pet age
- ❌Pre-existing conditions exclusions and orthopedic waiting rules
- ❌Routine care excluded without wellness add-on
- ❌Behavioural and telehealth coverage capped at $1,000
- ❌Co-pay applied before deductible can reduce net payouts
Score- ✅Single comprehensive accident and illness plan
- ✅Optional Fetch Wellness for routine preventive care
- ✅Reimbursement up to 90% (co-pay and deductible structure)
- ✅Coverage for diagnostics, dental, specialists, and complementary therapy
- ✅$1,000 annual sub-limits for several non-medical supports
- ✅Quick typical reimbursement turnaround (about two days)
- ✅Underwritten by AXIS Reinsurance Company
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Fetch Guarantees
Fetch offers a single comprehensive accident and illness plan for dogs and cats, with an optional Fetch Wellness add-on for routine and preventive care. The main plan is underwritten by AXIS Reinsurance Company and is structured to reimburse medically necessary veterinary expenses (tests, diagnostics, emergency and specialist care, surgery, and medications) subject to an annual deductible and a co-pay. The provider states coverage can be up to 90% of eligible veterinary bills, with specific co-pay and deductible amounts shown on the policy declarations page.
The plan includes a number of defined sub-limits for ancillary benefits: behavioural therapy, telehealth consultations, advertising and reward, boarding fees, loss due to theft or straying, death from illness or injury, and vacation cancellation each have $1,000 annual limits as shown in the policy documents. Complementary and physical therapies (acupuncture, chiropractic, hydrotherapy, physiotherapy) are covered when administered or supervised by a veterinarian. Dental coverage for injury and disease of adult teeth and gums is included, while routine preventive services are available only via the optional wellness add-on.
Claims are submitted electronically, must be submitted within 90 days of treatment, and Fetch reports typical reimbursement via direct deposit within two days once a claim is approved. The co-pay is applied first to the claim and the annual deductible is then subtracted from the remaining eligible amount to calculate reimbursement. Orthopedic conditions are subject to a specific 180-day exclusion window from policy inception unless a veterinarian examination during that period documents no pre-existing orthopedic issues.
| Classic (Comprehensive plan) | Fetch Wellness (optional add-on) | |
|---|---|---|
| Plan positioning | Comprehensive accident & illness plan | Preventive/wellness add-on |
| Type of coverage | Accident and illness | Preventive and routine care (exam, vaccines, dental cleanings) |
| Animals covered | Dogs and cats | Dogs and cats |
| Reimbursement rate | Up to 90% of eligible costs (co-pay options implied; shown on declarations) | N/A (covers routine care; specifics on services/limits shown on add-on documentation) |
| Annual reimbursement limit | Not specified in provided documents (declared on policy) | Not specified in provided documents (declared on add-on) |
| Deductible (annual or per claim) | Annual deductible (amount shown on declarations); co-pay applied first | Not applicable to what wellness covers in many cases (details on add-on) |
| Age limits for enrollment | Not specified in provided documents | Not specified in provided documents |
| Pre-enrollment health questionnaire | Not specified in provided documents | Not specified in provided documents |
| Waiting periods (accident and illness) | Accidents: no waiting period; Illnesses: 15 days; Orthopedic conditions: 180 days (exclusion unless vet clearance) | Waiting periods for wellness not specified in provided documents |
| Lifetime coverage | Not specified in provided documents | Not applicable |
| Consultations | Covered; telehealth consultations up to $1,000/year with no co-pay or deductible | Routine exam coverage via wellness add-on (details on add-on) |
| Medications | Prescribed drugs covered (up to 90-day supply); Fetch Pet Rx offers reimbursement on qualifying meds (subject to deductible and limits) | Preventive medications may be covered if included in wellness add-on (details on add-on) |
| Hospitalization | Covered (emergency, hospital stays, specialist care) | N/A |
| Surgery | Covered when medically necessary | N/A |
| Diagnostic tests | Covered (X-ray, CT, ultrasound, labs) | N/A |
| Dental care | Covers injury and disease of adult teeth and gums; routine dental cleanings excluded unless wellness purchased | Dental cleanings may be included in wellness add-on (details on add-on) |
| Preventive care | Excluded from the main plan unless Fetch Wellness is purchased | Covers routine and preventive services (exam, vaccines, dental cleanings) |
| Alternative medicine | Covered when performed or supervised by a veterinarian (acupuncture, chiropractic, hydrotherapy, physiotherapy) | N/A |
| Travel coverage | Vacation cancellation reimbursed (up to $1,000/year) | N/A |
| Civil liability | Not specified in provided documents | Not applicable |
| Euthanasia | Covered if medically recommended by a veterinarian | N/A |
| Death & cremation coverage | Death from illness or injury: reimburses price paid up to $1,000 (sub-limit; not available for pets aged 6+ at time of death from illness) | N/A |
| Theft or loss + search expenses | Advertising and reward: up to $1,000/year; loss due to theft/straying: reimburses price paid up to $1,000 | N/A |
| Boarding fees | Boarding costs reimbursed up to $1,000/year if owner hospitalized 96 hours or more | N/A |
Fetch Exclusions
Fetch policy exclusions focus on clinical and situational limits that are common in the market, with strong emphasis on pre‑existing conditions and conditions showing clinical signs before policy inception.
Notable provisions that differ from many competitors include the one‑year conditional rule for curable conditions (a condition showing signs up to one year before inception may become eligible if it does not recur) and the bilateral‑condition rule plus a specific 180‑day orthopedic exclusion that can be waived only with a veterinarian’s documented clearance.
General medical and procedural exclusions include costs for food, breeding/pregnancy/whelping, elective or cosmetic procedures, and limits on repeat anesthetic foreign‑body removals in a single policy period.
The policy also excludes losses due to intentional injury, activities like racing or fighting, conditions arising from failure to follow veterinary recommendations, and euthanasia unless medically recommended by a veterinarian.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any injury/illness with signs, advice or treatment before policy start or during waiting periods.Curable medical condition rule: conditions with signs up to 1 year before inception subject to a one‑year exclusionary period; recurrence can lead to permanent exclusion. |
| Waiting periods & timing | No waiting period for accidents.15‑day waiting period for illnesses, behavioural disorders & other injuries.Orthopedic waiting/exclusion: 180 days for hip dysplasia, cruciate ligament issues, IVDD (can be waived with vet exam documenting no pre‑existing orthopedic knee issues). |
| Bilateral & condition‑specific rules | Bilateral condition rule: if one side was pre‑existing, the contralateral side is treated as pre‑existing and excluded.Certain orthopedic conditions always classed as "illness" regardless of cause (counts against annual illness limit). |
| Procedural and treatment exclusions | Elective/cosmetic procedures (spay/neuter, tail docking, ear cropping) excluded.More than one anesthetic removal of an ingested foreign body in a single policy period excluded.Innovative/experimental treatments not covered (where not recognized as standard veterinary medicine). |
| Product/material exclusions | Food, including prescription or therapeutic diets, excluded.Some medications not covered if lacking DIN/NHP (where applicable). |
| Activity, intent and use exclusions | Costs related to racing, commercial guarding, or organized fighting excluded.Intentional injury or abuse by owner or household member excluded. |
| Compliance & documentation exclusions | Conditions resulting from failure to follow veterinarian recommendations excluded.Incomplete prior medical history or lack of a comprehensive exam within 12 months prior to policy may lead to exclusions. |
| End‑of‑life & loss exclusions | Euthanasia excluded unless medically recommended by a veterinarian.Theft/loss and death reimbursements have sub‑limits and specific age/condition restrictions (e.g., death from illness benefit not available for pets aged 6+ in some cases). |
Fetch Prices
Fetch’s pricing in 2025 positions the insurer largely in the mid‑range segment with selective premium pricing for higher‑risk breeds; its quoted “Classic” monthly premiums are competitive for typical breeds (e.g., Labrador, Australian Shepherd) but rise noticeably for brachycephalic and older animals, reflecting age and breed risk loading rather than an across‑the‑board premium tier.
Reimbursement flexibility (up to 90% indicated on marketing materials), paired with configurable co‑pays and annual deductibles, makes Fetch competitive for owners who prioritise high reimbursement rates; however, those choices also mean out‑of‑pocket exposure varies substantially by selected co‑pay/deductible and the pet’s age, which drives the effective cost‑benefit comparison against more traditional insurers.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Monthly Premium |
|---|---|
| Dog Labrador 1 year | $57.95 |
| Dog Labrador 3 years | $60.48 |
| Dog Labrador 7 years | $112.57 |
| Dog Australian Shepherd 1 year | $65.80 |
| Dog Australian Shepherd 3 years | $69.82 |
| Dog Australian Shepherd 7 years | $162.07 |
| Dog French Bulldog 1 year | $93.28 |
| Dog French Bulldog 3 years | $101.19 |
| Dog French Bulldog 7 years | $264.66 |
| Cat European Shorthair 1 year | $34.36 |
| Cat European Shorthair 3 years | $34.51 |
| Cat European Shorthair 7 years | $58.38 |
| Cat Maine Coon 1 year | $50.46 |
| Cat Maine Coon 3 years | $50.69 |
| Cat Maine Coon 7 years | $52.59 |
| Cat British Shorthair 1 year | $43.65 |
| Cat British Shorthair 3 years | $43.84 |
| Cat British Shorthair 7 years | $58.38 |
Fetch Promo Codes
| Fetch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
| Fetch first-year discount | 10% discount every month for the first year |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Fetch?
✅ Example 1: Cruciate ligament repair (TPLO surgery)
Total vet costs: $5,200 (surgery, hospitalization, imaging, medication)
Deductible amount to subtract: Deductible already met earlier in the policy year
Amount reimbursable after deductible with the highest‑tier plan (90% reimbursement): $5,200 × 90% = $4,680
Remaining out-of-pocket cost: $5,200 – $4,680 = $520
👉 You receive a reimbursement of $4,680.
ℹ️ *The 90% reimbursement rate reflects Fetch’s highest reimbursement option; the annual deductible only applies if not yet met.*
✅ Example 2: Emergency dental extraction and oral surgery
Total vet costs: $1,450 (exam, extractions, anesthesia, meds)
Deductible amount to subtract: Deductible already met earlier in the policy year
Amount reimbursable after deductible with the highest‑tier plan (90% reimbursement): $1,450 × 90% = $1,305
Remaining out-of-pocket cost: $1,450 – $1,305 = $145
👉 You receive a reimbursement of $1,305.
ℹ️ *For procedures that count against dental or illness sublimits, reimbursements will reduce those annual limits accordingly.*
✅ Example 3: Annual wellness visit (vaccinations and dental cleaning)
Total vet costs: $420 (exam, vaccines, dental scaling)
Deductible amount to subtract: Coverage for preventive care requires the optional Fetch Wellness add‑on; deductible applicability: N.C.
Amount reimbursable after deductible with the highest‑tier plan: N.C.
Remaining out-of-pocket cost: N.C.
👉 Reimbursement for these preventive services depends on whether you purchased Fetch Wellness and its specific limits.
ℹ️ *Optional Fetch Wellness is separate from the accident & illness policy; check the Wellness schedule for covered items, limits, and whether co‑pay or deductible apply.*
Fetch Assistance
| Assistance Fetch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No third‑party direct‑to‑vet payment service is mentioned. Policyholders are expected to pay the veterinarian at time of service and submit claims for reimbursement. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Mobile app presence and store ratings are N.C. An online customer portal is available for claims and policy documents. |
| Paperless claims process | ✅ | Claims can be submitted via the online portal by uploading invoice photos. Reimbursements are typically issued by direct deposit and are reported to be processed quickly (often within 2 days). |
| Emergency vet service | ✅ | Fetch Online Vet (powered by Vetster) provides 24/7 teleconsultations. Telehealth visits are covered up to $1,000 per year with no co‑pay or deductible. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
Policyholders are expected to pay the veterinarian at time of service and submit claims for reimbursement.
An online customer portal is available for claims and policy documents.
Reimbursements are typically issued by direct deposit and are reported to be processed quickly (often within 2 days).
Telehealth visits are covered up to $1,000 per year with no co‑pay or deductible.
Customer reviews on Fetch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5 out of 5 - 5,095 reviews |
Reviewers frequently highlight quick reimbursement times (often within a few days), responsive and supportive customer service (with agents called out by name for being patient and clear), and straightforward claims assistance via chat/app. Many also mention clear explanations during enrollment and helpful guidance when choosing coverage.
Some reviewers report significant premium increases at renewal and concerns about annual policy terms and pricing changes. There are occasional complaints about coverage decisions or expectations not being met for certain claims.
Here are some examples of customer reviews:
- U.N — 15 August 2025 “Amanda from Fetch Pet Insurance was amazing to talk to… she explained everything so clearly… it felt like I was talking not just to a pet advisor, but to a caring person who truly understands the concerns regarding my pets.”
- K.R — 15 August 2025 “Vince was my online assistant… Fetch insurance is a great insurance company for your pets… they have online assistance that responds within minutes as well…”
- June — 14 August 2025 “Fetch quickly gave me my payment for my cat's well visit.”
Contact Fetch
| Fetch Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Direct online subscription process on the Fetch website: N.C. |
| To request and track a reimbursement | Pay the veterinarian bill in full at time of service. Submit a claim by uploading a picture of the itemized invoice and supporting veterinary documents via the online claims portal within 90 days of treatment. Reimbursements are typically issued by direct deposit and reported to be processed quickly (often within 2 days) for covered amounts after co‑pay and deductible; Fetch covers up to 90% depending on your plan and selections. |
| To obtain a certificate of insurance | Policy documents are accessible through the online customer portal. Exact procedure to request or download an official certificate of insurance, including which channels to use and the required information, is N.C. |
| To contact assistance | Primary channel for claims and policy documents: online customer portal (claims submission and document access). Fetch Online Vet (Vetster) provides 24/7 telehealth visits (covered up to $1,000/year). Other contact channels (phone, email, postal address) for general customer service are N.C. |
| To cancel my policy | The policy may be cancelled; the provider states you may cancel the policy at any time by calling the insurer. Exact cancellation phone number, required written confirmation, deadlines, and refund or prorating conditions are N.C. |
Direct online subscription process on the Fetch website: N.C.
Submit a claim by uploading a picture of the itemized invoice and supporting veterinary documents via the online claims portal within 90 days of treatment.
Reimbursements are typically issued by direct deposit and reported to be processed quickly (often within 2 days) for covered amounts after co‑pay and deductible; Fetch covers up to 90% depending on your plan and selections.
Exact procedure to request or download an official certificate of insurance, including which channels to use and the required information, is N.C.
Fetch Online Vet (Vetster) provides 24/7 telehealth visits (covered up to $1,000/year).
Other contact channels (phone, email, postal address) for general customer service are N.C.
Exact cancellation phone number, required written confirmation, deadlines, and refund or prorating conditions are N.C.
FAQ
Do I have to pay upfront for veterinary fees with Fetch?
Fetch does not provide a direct‑to‑vet or third‑party advance payment service in the available documents.
Policyholders are expected to pay the veterinarian in full at the time of service and then submit a claim for reimbursement.
Claims are filed via the online portal by uploading a photo of the itemized invoice and supporting veterinary documents within 90 days of treatment.
Reimbursements are typically issued by direct deposit and reported to be processed quickly (often within 2 days) for covered amounts after co‑pay and deductible.
The website states Fetch may cover up to 90% of eligible vet bills; confirm any third‑party payment options with customer service since that detail is N.C. in the documentation.
How do I cancel my pet insurance policy with Fetch?
You may cancel your Fetch policy by contacting the insurer by phone (specific phone number N.C. in the provided materials).
When you request cancellation, be ready to provide your policy number, the pet’s name, and the requested effective cancellation date.
The documentation does not clearly state whether written confirmation or a signed request is required, so ask the insurer to confirm the preferred method.
Refunds, prorating rules and exact notice periods are not specified in the available documents, so obtain written acknowledgement and details when you cancel.
What waiting periods apply to accident and illness coverage?
The policy indicates there is no waiting period for injuries resulting from an accident.
Illnesses, behavioural disorders and other non‑accidental conditions are subject to a 15‑day waiting period from the policy’s original inception date.
Orthopedic conditions (e.g., hip dysplasia, cruciate issues, IVDD) are excluded for the first 180 days unless a vet exam during that period specifically notes no pre‑existing orthopedic issues.
Always confirm the exact effective dates and any waivers at enrollment to avoid surprises when a claim arises.
How are reimbursements, co‑pays and deductibles calculated?
The co‑pay percentage is applied first to the eligible claim amount, then the annual deductible is subtracted from the remaining sum to determine reimbursement.
Fetch’s materials state coverage can reach up to 90% of vet bills; the precise co‑pay percentage and deductible you selected are shown on your declarations page.
Submit itemized invoices and medical records through the online portal within 90 days to support your claim and avoid delays.
Payouts are normally made by direct deposit and reported to be fast, but actual processing times and final amounts depend on your plan selections and applicable limits.
What telehealth, pharmacy and wellness services does Fetch offer?
Fetch Online Vet (powered by Vetster) provides 24/7 virtual consultations and is covered up to $1,000 per year with no co‑pay or deductible.
An optional Fetch Wellness add‑on can be purchased to cover routine and preventive care such as annual exams, vaccinations and dental cleanings for eligible plans.
Fetch Pet Rx is an online pharmacy referenced in the materials and may reimburse up to 100% on qualifying medications, subject to the policy deductible and annual limits.
Check the policy wording for annual caps and specific eligibility criteria, as many perks and reimbursements have fixed limits.
What are the main exclusions and how are pre‑existing conditions handled?
Pre‑existing conditions are excluded: any injury, illness or sign that existed or was treated before the policy start or during a waiting period is not covered.
Curable conditions showing signs up to one year before inception may be subject to a one‑year exclusion; if they recur within a subsequent year they may become permanently excluded.
Bilateral conditions are treated as pre‑existing on the opposite side if the condition was present on one side before coverage began.
Routine preventive care, prescription diets, elective procedures and medications without an appropriate regulatory number are generally excluded unless covered by the optional wellness plan or specific policy provisions.
Do I have to pay upfront for veterinary fees with Fetch?
Fetch does not provide a direct‑to‑vet or third‑party advance payment service in the available documents.
Policyholders are expected to pay the veterinarian in full at the time of service and then submit a claim for reimbursement.
Claims are filed via the online portal by uploading a photo of the itemized invoice and supporting veterinary documents within 90 days of treatment.
Reimbursements are typically issued by direct deposit and reported to be processed quickly (often within 2 days) for covered amounts after co‑pay and deductible.
The website states Fetch may cover up to 90% of eligible vet bills; confirm any third‑party payment options with customer service since that detail is N.C. in the documentation.
How do I cancel my pet insurance policy with Fetch?
You may cancel your Fetch policy by contacting the insurer by phone (specific phone number N.C. in the provided materials).
When you request cancellation, be ready to provide your policy number, the pet’s name, and the requested effective cancellation date.
The documentation does not clearly state whether written confirmation or a signed request is required, so ask the insurer to confirm the preferred method.
Refunds, prorating rules and exact notice periods are not specified in the available documents, so obtain written acknowledgement and details when you cancel.
What waiting periods apply to accident and illness coverage?
The policy indicates there is no waiting period for injuries resulting from an accident.
Illnesses, behavioural disorders and other non‑accidental conditions are subject to a 15‑day waiting period from the policy’s original inception date.
Orthopedic conditions (e.g., hip dysplasia, cruciate issues, IVDD) are excluded for the first 180 days unless a vet exam during that period specifically notes no pre‑existing orthopedic issues.
Always confirm the exact effective dates and any waivers at enrollment to avoid surprises when a claim arises.
How are reimbursements, co‑pays and deductibles calculated?
The co‑pay percentage is applied first to the eligible claim amount, then the annual deductible is subtracted from the remaining sum to determine reimbursement.
Fetch’s materials state coverage can reach up to 90% of vet bills; the precise co‑pay percentage and deductible you selected are shown on your declarations page.
Submit itemized invoices and medical records through the online portal within 90 days to support your claim and avoid delays.
Payouts are normally made by direct deposit and reported to be fast, but actual processing times and final amounts depend on your plan selections and applicable limits.
What telehealth, pharmacy and wellness services does Fetch offer?
Fetch Online Vet (powered by Vetster) provides 24/7 virtual consultations and is covered up to $1,000 per year with no co‑pay or deductible.
An optional Fetch Wellness add‑on can be purchased to cover routine and preventive care such as annual exams, vaccinations and dental cleanings for eligible plans.
Fetch Pet Rx is an online pharmacy referenced in the materials and may reimburse up to 100% on qualifying medications, subject to the policy deductible and annual limits.
Check the policy wording for annual caps and specific eligibility criteria, as many perks and reimbursements have fixed limits.
What are the main exclusions and how are pre‑existing conditions handled?
Pre‑existing conditions are excluded: any injury, illness or sign that existed or was treated before the policy start or during a waiting period is not covered.
Curable conditions showing signs up to one year before inception may be subject to a one‑year exclusion; if they recur within a subsequent year they may become permanently excluded.
Bilateral conditions are treated as pre‑existing on the opposite side if the condition was present on one side before coverage began.
Routine preventive care, prescription diets, elective procedures and medications without an appropriate regulatory number are generally excluded unless covered by the optional wellness plan or specific policy provisions.
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