Fetch vs. Pumpkin Pet Insurance

Pumpkin ranks above Fetch for both dogs and cats in MoneyGeek’s analysis, making it the stronger overall pick for pet insurance. Still, the right choice depends on what you value most:

• Affordability: Pumpkin charges less than Fetch for both pets. It ranks first nationwide for cats and third for dogs, while Fetch comes in 12th for cats and 13th for dogs.
• Customer Experience: Pumpkin earns higher satisfaction scores for both dogs and cats, placing three spots ahead of Fetch in our rankings.
• Coverage: Fetch takes the lead for coverage depth, ranking third nationally, while Pumpkin falls to 11th place.

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Our analysis found that Pumpkin is consistently the best pet insurance company in all 50 states for cats and dogs when compared to Fetch.

Pumpkin is more affordable than Fetch across most cost categories, providing up to 62% savings for senior dogs. Fetch only comes out cheaper for kittens, where it costs about 15% less than Pumpkin.

Learn how much pet insurance costs across different age categories below.

Pumpkin offers the cheapest pet insurance across most age categories nationwide when compared to Fetch, winning for puppies, young pets, middle-aged pets and seniors in 50 states. Fetch only costs less for kittens, where it beats Pumpkin's rates in every state.

Fetch offers more pet insurance discounts than Pumpkin. Fetch is the better choice for pet owners with military background, AARP members and those who join employer group plans, while Pumpkin wins for multi-pet households and veterinary staff.

Pumpkin provides better customer service than Fetch, ranking third nationally for both pets, while Fetch places sixth. Pumpkin holds higher ratings on Trustpilot (4.9 versus 4.5 out of 5) and with the Better Business Bureau (A+ versus A). It also receives more positive feedback on Reddit, with 79% favorable sentiment compared to 8% for Fetch.

Fetch outperforms Pumpkin in pet insurance coverage, ranking third nationally, while Pumpkin lags behind by eight spots. Although Fetch has longer waiting periods for accidents and illnesses, the company still wins against Pumpkin for offering more reimbursement rate options and tiers for its optional wellness plans.

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

Both Fetch and Pumpkin offer one optional add-on for their base policies, extending their coverage to include routine care. Fetch's wellness plan comes in three tiers (Essentials, Advantage and Prime) and reimburses between $315 and $735 annually for annual exams, vaccinations, flea prevention, heartworm testing, teeth cleanings and spay/neuter procedures. Pumpkin's Wellness Club provides coverage for wellness exams, vaccinations, fecal tests, routine teeth cleaning and spay/neuter procedures based on the tier you choose (Essential or Premium).

Pumpkin beats Fetch for pet insurance overall, providing the best blend of affordability and customer service for dogs and cats. The company offers more budget-friendly rates at $48 per month for middle-aged dogs and $30 per month for cats, plus it maintains strong customer satisfaction with a 4.9 out of 5 Trustpilot rating and A+ BBB rating. That said, Fetch provides more comprehensive coverage options for pet owners seeking extensive policy benefits.

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Compare Fetch and Pumpkin pet insurance through these common questions: