Trupanion vs. Fetch Pet Insurance

Trupanion provides better pet insurance than Fetch, ranking fifth nationally for cats and sixth for dogs, while Fetch places 10th for cats and 11th for dogs in MoneyGeek’s national rankings. Trupanion also posts stronger results across our three core categories, making it a good choice for pet owners who want 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 analysis shows different pricing advantages between the two companies depending on the pet’s age and species. Trupanion costs less for middle-aged and senior dogs, while Fetch posts lower prices for cats in every age group and for younger dogs. 

The breakdown below shows how monthly rates compare across each life stage:

• Kittens: Fetch averages $14 per month, while Trupanion comes in at $16. That works out to about 14% less, or roughly $28 in yearly savings.
• Puppies: Fetch averages $45 per month compared with $52 from Trupanion. The gap equals about 13% in savings, which adds up to around $83 per year.
• Young cats: Fetch lists an average rate of $23 per month, while Trupanion charges $25. Pet owners spend about 12% less, or close to $36 per year, with Fetch.
• Young dogs: Fetch averages $60 per month versus $69 from Trupanion. That difference equals roughly 14% in yearly savings or about $115.
• Middle-aged cats: Fetch averages $45 per month compared with $48 from Trupanion. The gap is smaller here, about 7%, which comes out to around $41 per year.
• Middle-aged dogs: Trupanion averages $88 per month while Fetch costs $103. That price gap equals about 15% in annual savings or roughly $182.
• Senior cats: Monthly costs are almost identical. Fetch averages $135 and Trupanion $134, leaving less than a 1% difference between the two.
• Senior dogs: Trupanion averages $252 per month, while Fetch reaches $305. Pet owners spend about 17% less with Trupanion, which adds up to roughly $632 per year.

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 ranks one spot higher than Fetch in our national analysis. While Trupanion has a slightly lower Trustpilot score, it still comes out ahead with an A+ BBB rating and 44% positive sentiment on Reddit.

Trupanion outperforms Fetch in pet insurance coverage, ranking second nationally, while Fetch 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: