Trupanion vs Fetch
Trupanion wins on ceiling and claims experience; Fetch wins on coverage breadth per dollar. Fetch includes dental disease and behavioral therapy in its base policy and starts accident cover immediately, while 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. Illustrative pricing reflects it: about $62/mo for a Trupanion dog versus $47/mo for Fetch, with cats at roughly $35 vs $27. 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 |
| Illustrative starting price | dogs from $62/mo, cats from $35/mo | dogs from $47/mo, cats from $27/mo |
| 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 |
Starting prices are illustrative estimates for a healthy one-year-old animal, not quotes. Your real premium depends on breed, age, ZIP code, deductible and reimbursement rate.
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. Accept the highest premium in our lineup and no wellness option at any tier.
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
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
Questions
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Written by the WhichPetPlan editorial team. Rankings are editorial, not paid placement. Some 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. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.