Fetch vs Trupanion: which should you pick?
Fetch wins on breadth per dollar: dental disease and behavioral therapy are included in its base policy and there is no accident waiting period, at about $47/mo illustrative for dogs versus $62 at Trupanion. Trupanion wins on ceiling and claims day: unlimited payouts on every plan plus VetDirect Pay, which settles participating clinic bills at checkout so you never front the money.
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Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
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Get a quote from LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
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.
Price is the other half of the case. Fetch starts around $47/mo for a dog and $27 for a cat on our illustrative estimates, against roughly $62 and $35 at Trupanion, the priciest plan we review.
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
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The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.