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Trupanion Pet Insurance vs. Fetch

Trupanion Pet Insurance and Fetch Pet Insurance are two of the most respected brands in the American pet insurance market. Trupanion offers one, simple coverage option that pays 90% of your actual vet bills when your pet gets sick or injured. Fetch, on the other hand, allows you to choose between 70%, 80%, or 90% reimbursement depending on your budget. Either way, both companies are highly rated by pet parents and are regulars on our best pet insurance plans list.

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Trupanion Pet Insurance Fetch Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 7,943 1,837
Deductible: $0 - $1,000 $300, $500, $700
Reimbursement: 90% 70%, 80%, 90%
Annual Limit: Unlimited $5K - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 5 days up to 15 days
Waiting Period for Illnesses: 30 days up to 15 days
Waiting Period for Orthopedic Coverage: 30 days 6 months for knees (can be waived)**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Excluded Optional
Vet Restrictions: None None

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Trupanion vs. Fetch

Trupanion and Fetch are two popular choices when it comes to pet insurance. Trupanion came to market in 2000 while Fetch made its entry not much later in 2003. Trupanion is publicly-traded and holds a market cap north of $1 billion. Whether you require insurance for your cat or dog, it is a good idea to compare these two insurers.

Trupanion Review

Their deductible ranges from $0 to $1,000 depending on the specific claim. They offer a 90% reimbursement on your expenses. Emergency care is included with their plans. However, there is a five-day wait period for accidents and a 30-day wait period for illnesses and orthopedic-related claims.

Fetch Review

They only offer one plan. Their deductibles range from $300, $500, and $700. They offer a reimbursement of 70%, 80%, or 90% of the cost. Emergency care, vet fees, and boarding are included in their plan. As for accident and illness waiting periods, it is up to 15 days.

Coverage Comparison

Both Trupanion and Fetch offer emergency care coverage. The wait period for accidents and injuries is only five days. Fetch offers a waiting period for illnesses that is 15 days shorter.

Trupanion offers supplemental coverage for recovery and complementary care. This added insurance helps you to cover expenses related to medical and surgical therapies. Some examples include behavioral modification, hydrotherapy, and acupuncture.

While Fetch only offers one policy option, they do have some perks. You are covered for your veterinary exam fees which many insurers won’t pay. You can also get a reimbursement on holistic health services and non-routine dental care.

Price Comparison

Fetch provides an insurance policy that costs roughly $29 to $35 a month. Trupanion charges an average of $59 monthly for cat insurance and $68 monthly for dog insurance. The deductible with Fetch ranges from $300, $400, or $500. With Trupanion, your policy costs more, but you face a deductible in the $0 to $1,000 range.


Both Trupanion and Fetch have their benefits. However, these two insurance providers offer completely different benefits to their customers. You can cut costs on a monthly basis by going with Fetch and save up to a few hundred dollars a year. But, if you end up making a claim your higher deductible cost will quickly eat away at your savings. If you make multiple claims over a short period, it would have made more sense to go with Trupanion even though their premiums are higher.

Not sure which to choose? Get a quote and go from there!

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Related Content

Trupanion Pet Insurance Enrollment Requirements

Trupanion Enrollment Requirements

You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.

Fetch Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

  • 6-month waiting period for cruciate ligaments and patellar luxation
  • The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
  • The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
  • A 30-day waiver is available
  • Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days