Fetch vs. Pumpkin Pet Insurance: Which Is Better? (2026)

Fetch vs. Pumpkin Pet Insurance: Key Takeaways

Pumpkin provides more affordable pet insurance rates than Fetch, charging $30 monthly for middle-aged cats and $48 monthly for dogs, while Fetch costs $45 and $103 respectively.

Pumpkin offers better customer service than Fetch, earning higher ratings from Trustpilot and the Better Business Bureau for its fast claim processing and responsive customer service.

Fetch has more comprehensive coverage than Pumpkin, offering more reimbursement rate options and tiers for optional wellness plans.

Is Fetch or Pumpkin Pet Insurance Better?

Pumpkin ranks higher than Fetch for dogs and cats in MoneyGeek's study, making it the better choice for pet insurance overall. However, your best option may vary based on what matters most to you:

Affordability: Pumpkin offers cheaper rates than Fetch for both pets. It ranks first nationally for cats and third for dogs, while Fetch places 12th and 13th, respectively.
Customer Experience: Pumpkin outperforms Fetch on customer satisfaction for dogs and cats, leading ahead of its competitor by three spots.
Coverage: Fetch wins against Pumpkin for comprehensive coverage, placing third nationally, while Pumpkin lags behind in 11th position.

Data filtered by:


Cat	Pumpkin	3	10
Dog	Pumpkin	7	11

How We Decided the Winning Pet Insurance Provider

All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.

Learn more about the best pet insurance options for your pet across different situations:

Best Multiple Pet Insurance

Best Pet Insurance for Accident-Only Coverage

Best Pet Insurance for Allergies

Best Pet Insurance for Cancer

Best Pet Insurance for Cats

Best Pet Insurance for Dental

Fetch and Pumpkin Comparison by State

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

Data filtered by:


Alabama	Cat	Pumpkin
Alabama	Dog	Pumpkin
Alaska	Cat	Pumpkin
Alaska	Dog	Pumpkin
Arizona	Cat	Pumpkin
Arizona	Dog	Pumpkin
Arkansas	Cat	Pumpkin
Arkansas	Dog	Pumpkin
California	Cat	Pumpkin
California	Dog	Pumpkin
Colorado	Cat	Pumpkin
Colorado	Dog	Pumpkin
Connecticut	Cat	Pumpkin
Connecticut	Dog	Pumpkin
Delaware	Cat	Pumpkin
Delaware	Dog	Pumpkin
Florida	Cat	Pumpkin
Florida	Dog	Pumpkin
Georgia	Cat	Pumpkin
Georgia	Dog	Pumpkin
Hawaii	Cat	Pumpkin
Hawaii	Dog	Pumpkin
Idaho	Cat	Pumpkin
Idaho	Dog	Pumpkin
Illinois	Cat	Pumpkin
Illinois	Dog	Pumpkin
Indiana	Cat	Pumpkin
Indiana	Dog	Pumpkin
Iowa	Cat	Pumpkin
Iowa	Dog	Pumpkin
Kansas	Cat	Pumpkin
Kansas	Dog	Pumpkin
Kentucky	Cat	Pumpkin
Kentucky	Dog	Pumpkin
Louisiana	Cat	Pumpkin
Louisiana	Dog	Pumpkin
Maine	Cat	Pumpkin
Maine	Dog	Pumpkin
Maryland	Cat	Pumpkin
Maryland	Dog	Pumpkin
Massachusetts	Cat	Pumpkin
Massachusetts	Dog	Pumpkin
Michigan	Cat	Pumpkin
Michigan	Dog	Pumpkin
Minnesota	Cat	Pumpkin
Minnesota	Dog	Pumpkin
Mississippi	Cat	Pumpkin
Mississippi	Dog	Pumpkin
Missouri	Cat	Pumpkin
Missouri	Dog	Pumpkin
Montana	Cat	Pumpkin
Montana	Dog	Pumpkin
Nebraska	Cat	Pumpkin
Nebraska	Dog	Pumpkin
Nevada	Cat	Pumpkin
Nevada	Dog	Pumpkin
New Hampshire	Cat	Pumpkin
New Hampshire	Dog	Pumpkin
New Jersey	Cat	Pumpkin
New Jersey	Dog	Pumpkin
New Mexico	Cat	Pumpkin
New Mexico	Dog	Pumpkin
New York	Cat	Pumpkin
New York	Dog	Pumpkin
North Carolina	Cat	Pumpkin
North Carolina	Dog	Pumpkin
North Dakota	Cat	Pumpkin
North Dakota	Dog	Pumpkin
Ohio	Cat	Pumpkin
Ohio	Dog	Pumpkin
Oklahoma	Cat	Pumpkin
Oklahoma	Dog	Pumpkin
Oregon	Cat	Pumpkin
Oregon	Dog	Pumpkin
Pennsylvania	Cat	Pumpkin
Pennsylvania	Dog	Pumpkin
Rhode Island	Cat	Pumpkin
Rhode Island	Dog	Pumpkin
South Carolina	Cat	Pumpkin
South Carolina	Dog	Pumpkin
South Dakota	Cat	Pumpkin
South Dakota	Dog	Pumpkin
Tennessee	Cat	Pumpkin
Tennessee	Dog	Pumpkin
Texas	Cat	Pumpkin
Texas	Dog	Pumpkin
Utah	Cat	Pumpkin
Utah	Dog	Pumpkin
Vermont	Cat	Pumpkin
Vermont	Dog	Pumpkin
Virginia	Cat	Pumpkin
Virginia	Dog	Pumpkin
Washington	Cat	Pumpkin
Washington	Dog	Pumpkin
West Virginia	Cat	Pumpkin
West Virginia	Dog	Pumpkin
Wisconsin	Cat	Pumpkin
Wisconsin	Dog	Pumpkin
Wyoming	Cat	Pumpkin
Wyoming	Dog	Pumpkin

How We Decided the Winning Pet Insurance Provider by State

Fetch vs. Pumpkin Pet Insurance Cost

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.

Data filtered by:


Kittens	Fetch	$14	15%
Young Cats	Pumpkin	$21	8%
Puppies	Pumpkin	$24	45%
Middle Aged Cats	Pumpkin	$30	34%
Young Dogs	Pumpkin	$31	48%
Middle Aged Dogs	Pumpkin	$48	54%
Senior Cats	Pumpkin	$64	53%
Senior Dogs	Pumpkin	$116	62%

How We Decided the Winning Pet Insurance Provider

All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.

Fetch vs. Pumpkin Pet Insurance Cost by State

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.

Data filtered by:


Alabama	Pumpkin	$35	54%
Alaska	Pumpkin	$46	54%
Arizona	Pumpkin	$58	54%
Arkansas	Pumpkin	$32	54%
California	Pumpkin	$60	54%
Colorado	Pumpkin	$60	54%
Connecticut	Pumpkin	$55	54%
Delaware	Pumpkin	$48	54%
Florida	Pumpkin	$54	54%
Georgia	Pumpkin	$43	54%
Hawaii	Pumpkin	$48	54%
Idaho	Pumpkin	$48	54%
Illinois	Pumpkin	$59	54%
Indiana	Pumpkin	$43	54%
Iowa	Pumpkin	$40	54%
Kansas	Pumpkin	$43	54%
Kentucky	Pumpkin	$38	54%
Louisiana	Pumpkin	$38	54%
Maine	Pumpkin	$58	54%
Maryland	Pumpkin	$47	54%
Massachusetts	Pumpkin	$61	54%
Michigan	Pumpkin	$48	54%
Minnesota	Pumpkin	$50	54%
Mississippi	Pumpkin	$41	54%
Missouri	Pumpkin	$38	54%
Montana	Pumpkin	$40	54%
Nebraska	Pumpkin	$43	54%
Nevada	Pumpkin	$49	54%
New Hampshire	Pumpkin	$55	54%
New Jersey	Pumpkin	$54	54%
New Mexico	Pumpkin	$42	54%
New York	Pumpkin	$52	54%
North Carolina	Pumpkin	$43	54%
North Dakota	Pumpkin	$37	54%
Ohio	Pumpkin	$44	54%
Oklahoma	Pumpkin	$40	54%
Oregon	Pumpkin	$59	54%
Pennsylvania	Pumpkin	$50	54%
Rhode Island	Pumpkin	$42	54%
South Carolina	Pumpkin	$45	54%
South Dakota	Pumpkin	$42	54%
Tennessee	Pumpkin	$44	54%
Texas	Pumpkin	$50	54%
Utah	Pumpkin	$46	54%
Vermont	Pumpkin	$44	54%
Virginia	Pumpkin	$51	54%
Washington	Pumpkin	$55	54%
West Virginia	Pumpkin	$41	54%
Wisconsin	Pumpkin	$51	54%
Wyoming	Pumpkin	$44	54%

How We Decided the Winning Pet Insurance Provider by State

All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.

Fetch vs. Pumpkin Pet Insurance Discounts

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.


Multiple pets	None.	Save 10% for each additional pet enrolled with Pumpkin.
Military	Active military members and veterans save 10% when they enroll with proof of service.	None.
Membership	AARP members who enroll through the AARP benefit page receive 10% discount.	None.
Employer group plan	10% off when you sign up with a participating employer's group plan.	None.
Veterinary care	None.	Get a discount when you work as a staff at a veterinary clinic.

Fetch vs. Pumpkin Pet Insurance Customer Experience

Pumpkin offers superior customer service compared to Fetch, ranking third nationally for both pets, while Fetch places sixth. Pumpkin maintains higher ratings from Trustpilot (4.8 versus 4.5 out of 5.0) and the Better Business Bureau (A+ versus A). It also has stronger positive sentiment on Reddit (79% versus 8% positive).

Fetch vs Pumpkin Trustpilot ratings

Pumpkin earns a higher Trustpilot rating of 4.8 out of 5.0 compared to Fetch's 4.5 out of 5.0, with customers praising Pumpkin's fast claim processing (often within days) and responsive customer service. Fetch earns positive reviews for quick reimbursements and helpful representatives, though some customers report confusion with claim submissions and coverage denials.

Fetch vs Pumpkin BBB ratings

Pumpkin holds an A+ BBB rating compared to Fetch's A rating, giving Pumpkin a slight edge in business practices and customer complaint resolution. The BBB rating system evaluates how companies handle customer complaints, advertising practices and transparency, with A+ being the highest possible score.

Fetch vs Pumpkin Pet Insurance Reddit Sentiment

Based on our Reddit analysis, Pumpkin holds 79% positive sentiment with 11 positive and three negative comments, while Fetch only garners 8% positive sentiment from one positive and 12 negative feedback. Reddit users praise Pumpkin for fast claim reimbursements, responsive customer service and clear policy language, while Fetch discussions focus heavily on claim denials, coverage gaps and frustrations with customer support responses.

Fetch vs. Pumpkin Pet Insurance Coverage

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.


Diagnostics	✓	✓
Procedures	✓	✓
Medications	✓	✓
Fractures and broken bones	✓	✓
Lacerations and bite wounds	✓	✓
Parasite treatment	Only covers prevention through an optional add-on	✓
Cancer treatment	✓	✓
Digestive illnesses	✓	✓
Hereditary conditions	✓	✓
Congenital conditions	✓	✓
Chronic conditions	✓	✓
Hip dysplasia	✓	✓
Deductibles	$250 to $2,500	$100, $250, $500, $1,000
Annual limits	$5,000, $10,000, $15,000, Unlimited	$5,000, $10,000, $20,000, Unlimited
Reimbursement rates	70%, 80%, 90%	80% or 90%
Waiting periods	15 days for accidents and illnesses, six months for orthopedic and cruciate conditions	14 days for accidents and illnesses
Age restrictions	No upper age limits during enrollment	No upper age limit for accident and illness plans
Pre-existing conditions	Curable pre-existing conditions may be eligible for coverage if cured and symptom-free for 365 days	Curable conditions may be eligible for coverage after 180 symptom-free days

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

Fetch vs. Pumpkin Pet Insurance Add-ons

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).

Fetch vs. Pumpkin Pet Insurance: Bottom Line

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 4.8 out of 5.0 Trustpilot rating and A+ BBB rating. That said, Fetch provides more comprehensive coverage options for pet owners seeking extensive policy benefits.

Compare other major pet insurance companies to determine the best choice for your pet:

Spot vs. ASPCA Pet Insurance

Spot vs. Embrace Pet Insurance

Spot vs. Fetch Pet Insurance

Spot vs. Figo Pet Insurance

Spot vs. Healthy Paws Pet Insurance

Spot vs. Lemonade Pet Insurance

Fetch vs. Pumpkin Pet Insurance Comparison: FAQ

Compare Fetch and Pumpkin pet insurance through these common questions:

Which is better: Fetch or Pumpkin pet insurance?

Pumpkin ranks higher overall with better scores for affordability and customer experience across both cats and dogs. Fetch wins on coverage options, ranking third nationally compared to Pumpkin's 11th position. Your best choice depends on whether you prioritize comprehensive policy benefits (Fetch) or lower costs with better customer service (Pumpkin).

How do Fetch and Pumpkin pet insurance compare on coverage?

Fetch offers better coverage than Pumpkin, ranking third nationally compared to Pumpkin's 11th-place ranking for both cats and dogs. Although Fetch has longer waiting periods than Pumpkin, it edges ahead of its competitor for offering more reimbursement rate options and tiers for optional wellness plans.

Is Fetch or Pumpkin pet insurance cheaper?

Pumpkin is cheaper than Fetch overall, offering lower rates across seven of eight pet categories. Middle-aged cats cost $30 monthly with Pumpkin versus Fetch's $45. The savings are even larger for middle-aged dogs at $48 per month compared to Fetch's $103 monthly rate.

Do Fetch and Pumpkin cover pre-existing conditions?

Neither Fetch nor Pumpkin covers pre-existing conditions when you first enroll your pet. However, Fetch may cover curable pre-existing conditions after your pet stays symptom-free for 365 days. Pumpkin may also extend coverage to curable conditions after 180 symptom-free days.

Which is better for puppies and kittens: Fetch or Pumpkin?

Pumpkin is better for puppies, saving pet owners 45% compared to Fetch with average annual costs of $294 versus $537. Fetch wins for kittens with rates about 15% lower than Pumpkin across all states. Both insurers cover pets as young as six to eight weeks old with no upper age limits.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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