Fetch vs. Pumpkin Pet Insurance

Fetch provides superior pet insurance coverage for both dogs and cats compared to Pumpkin, ranking third nationally while Pumpkin ranks eleventh. Research shows both providers offer similar deductible ranges and reimbursement rates, but Fetch typically features shorter accident waiting periods and provides more flexible coverage adjustment options for pet owners.

Pumpkin is the best pet insurance company in 16 states for cats and 6 states for dogs. For dog coverage, Pumpkin leads in Alaska, Delaware, Maryland, Montana, North Dakota and South Dakota.

Pumpkin offers more affordable pet insurance rates than Fetch across nearly all age groups for both cats and dogs. For middle-aged dogs, Pumpkin costs $48 per month compared with Fetch's $103 per month. Middle-aged cats cost $30 with Pumpkin versus $45 with Fetch.

Learn how much pet insurance costs across different age categories.

Pumpkin offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs, middle-aged cats, puppies and senior pets nationwide. Fetch only provides lower rates for kittens, making Pumpkin the more affordable choice for most pet owners.

Both Fetch and Pumpkin recognise that pet-owners look for savings when covering multiple pets or combining benefits. Below is a direct comparison of how each provider handles discounts and cost-reducing incentives.

Pumpkin offers better customer experience than Fetch, ranking third nationally for both dog and cat insurance in our study. Fetch ranks ninth, trailing by six positions. Both providers maintain A+ BBB ratings, but Pumpkin's higher Trustpilot score of 4.8 out of 5.0 compared to Fetch's 4.5 out of 5.0 supports its superior national ranking.

Pumpkin offers better pet insurance coverage for dogs and cats than Fetch, ranking sixth nationally while Fetch ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Pumpkin has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

When you want to extend your pet’s financial protection beyond illness and accidents, both providers offer add-ons/optional plans.

• Wellness add-on (“Fetch Wellness”): Covers routine care such as vaccines, exams, dental cleanings, parasite prevention, as an optional layer.
• Behavior & alternative therapy included in base illness/accident plan in many states: covers behavioral therapy, alternative holistic treatments, dental illness/accident coverage.

• Preventive Essentials (optional benefit): Covers annual wellness exams, vaccinations, parasite screening/fecal tests, some preventive dental services.
• Wellness-type add-on: Helps with routine care not covered under base accident/illness policy (varies by state).

Pumpkin beats Fetch overall, delivering better affordability and customer service. Pumpkin offers more budget-friendly rates at $48 per month for middle-aged dogs and $30 for cats, plus earns strong customer trust with a 4.8 out of 5.0 Trustpilot rating and A+ BBB rating. However, Fetch provides more comprehensive coverage options for pet owners seeking extensive policy benefits.

Compare Fetch and Pumpkin pet insurance through these common questions:

Our evaluation of Fetch versus Pumpkin involved direct comparison using identical pet profiles and coverage specifications. We obtained quotes from both providers using standardized policy settings to ensure fair analysis.

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

We assessed both companies using three primary factors, each weighted by importance to pet owners.

Affordability (50% of score): We collected pricing data across multiple pet ages and coverage options to determine actual monthly costs, including available discounts that affect real premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to evaluate satisfaction levels with claims processing and customer support services.

Coverage (20% of score): We examined policy benefits, waiting periods and available add-ons to assess which provider offers more comprehensive pet health protection.