Trupanion vs. Fetch Pet Insurance

Trupanion provides better pet insurance than Fetch, ranking fifth nationally for cats and sixth for dogs compared to Fetch's 10th and 11th positions, respectively. Trupanion consistently outperforms Fetch across our three core categories, making it the ideal option for pet owners looking for lower rates, better customer experience or more comprehensive coverage.

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

Whether you own a dog or cat, Trupanion ranks as the best pet insurance company across the country, winning against Fetch in all 50 states.

Our pet insurance cost study found that Trupanion is more affordable than Fetch for middle-aged dogs and senior dogs, while Fetch offers lower rates for cats across all age groups and for puppies and young dogs. Here's how the two providers compare across different life stages:

• Kittens: Fetch costs $14 monthly compared to Trupanion's $16, saving you 14% or $28 annually.
• Puppies: You'll pay $45 monthly with Fetch versus $52 with Trupanion, a 13% savings that adds up to $83 each year.
• Young cats: Fetch charges $23 monthly while Trupanion costs $25, giving you 12% in savings or $36 annually.
• Young dogs: Fetch's $60 monthly rate beats Trupanion's $69, saving you 14% or $115 per year.
• Middle-aged cats: Fetch costs $45 monthly compared to $48 with Trupanion, a 7% difference that saves you $41 annually.
• Middle-aged dogs: Trupanion charges $88 monthly versus Fetch's $103, offering 15% in savings or $182 each year.
• Senior cats: Fetch and Trupanion cost nearly the same at $135 and $134 monthly, with less than 1% difference between the two.
• Senior dogs: Trupanion costs $252 monthly compared to Fetch's $305, saving you 17% or $632 annually.

Between Trupanion and Fetch, Fetch offers the cheapest pet insurance for cats across all age groups in every state, while Trupanion provides lower rates for middle-aged and senior dogs nationwide. For puppies and young dogs, Fetch takes the lead in all 50 states.

Fetch offers three pet insurance discounts: 10% off for military members and veterans, 10% for AARP members and 10% through employer group plans. Trupanion doesn't offer any discounts, making Fetch the better choice if you qualify for military service, AARP membership or employer-sponsored coverage.

Trupanion's customer service is superior to Fetch's, leading ahead in our national ranking by one spot. Although Trupanion has a slightly lower Trustpilot score, it still wins against Fetch by maintaining A+ BBB rating and 44% positive sentiment on Reddit.

Trupanion outperforms in pet insurance coverage, ranking second nationally, while places third. Trupanion provides per-condition deductibles that don't reset yearly and shorter waiting periods, depending on the state. It also pays licensed veterinarians directly for covered claims, which Fetch doesn't offer.

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

Trupanion offers several add-ons for breeding, pet owner benefits and recovery care, while Fetch focuses on expanding base coverage to include routine care, as outlined below.

Trupanion beats Fetch for pet insurance across all categories, providing better affordability, coverage and customer service. Trupanion holds an A+ BBB rating and 44% positive sentiment on Reddit for its responsive service and direct payment to vets. The company also requires shorter waiting periods for accidents and illnesses in select states, plus it offers per-condition deductibles that don't reset annually.

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

Compare Trupanion and Fetch pet insurance through these common questions: