Fetch vs Trupanion: which should you pick?

Which one covers more of a worst-case year?

Trupanion, clearly. Every policy pays unlimited, with no annual cap to configure, while Fetch lists annual limits of $5,000, $10,000 and $15,000 with higher tiers available only by contacting Fetch directly. Trupanion also fixes reimbursement at 90%; Fetch lets you pick 70%, 80% or 90% if you would rather trade payback rate for premium.

Scores reflect the gap: 8.6 for Trupanion against 7.6 for Fetch among dogs in our rankings, and 7.8 versus 7.5 for cats.

What does Fetch include that Trupanion does not?

Dental disease and behavioral therapy sit inside Fetch's base accident and illness policy, which most insurers exclude. Its optional wellness add-on funds routine care. Trupanion sells no routine-care plan: its add-ons target recovery and complementary care instead, and dental illness coverage is not documented in our review data.

Compare current quotes with the same pet, ZIP code and coverage settings to assess cost.

How do the waiting periods compare?

Fetch has no accident waiting period from the effective date and up to 15 days for illness. Trupanion waits 5 days for accidents but holds illness claims for 30 days, the longest illness clock we track. If your pet gets sick in the first month, that difference decides the claim.

Related questions

Keep reading

• Full Trupanion vs Fetch comparison
• Fetch review
• Trupanion review
• Ask the plan Advisor