Trupanion vs Fetch
Trupanion pays unlimited with no cap, fixes reimbursement at 90%, offers Vet Direct Pay at participating clinics, and charges its per-condition deductible once for the life of the pet. Fetch includes dental disease and behavioral therapy in its base policy and starts accident cover immediately. Scores run 8.6 vs 7.6 for dogs and 7.8 vs 7.5 for cats in our rankings.
Side by side
| Trupanion | Fetch | |
|---|---|---|
| Editorial score (dogs) | 8.6/10 | 7.6/10 |
| Annual limit | Unlimited | $15k |
| Deductible | Per-condition, not annual , pay it once per diagnosed condition, for the life of the pet, not every year. Configurable in $50 steps from $0 to $1,000, plus $1,350/$1,500/$1,750 options. | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) |
| Reimbursement options | Fixed at 90% , not configurable, unlike every other insurer here | 70%, 80% or 90% |
| Accident wait | 5 days | No waiting period from the policy effective date |
| Illness wait | 30 days | Up to 15 days |
| Orthopedic / cruciate wait | None listed | None listed |
| Wellness add-on | Not offered | Available |
| Direct vet pay | Yes (VetDirect Pay) | No, reimbursement only |
Compare current quotes for the same pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Older catalog price examples do not establish which insurer costs less today.
Pre-existing conditions
Trupanion: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Trupanion if
You want the strongest payout design for chronic or expensive conditions: unlimited annual payout, no menu of caps, direct clinic payment, and a deductible paid once per diagnosed condition instead of every year. There is no wellness option at any tier. Request a current quote to assess its premium.
Choose Fetch if
Coverage breadth leads. Fetch genuinely covers dental disease and behavioral care most insurers exclude, lists limits of $5,000, $10,000 or $15,000 (higher by contacting Fetch), and has no accident waiting period from the effective date. Deductibles run $250 to $2,500 with 70/80/90% reimbursement, and an optional wellness add-on funds routine care.
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
Keep reading
Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.