Trupanion delivers better pet insurance coverage than Fetch for both cats and dogs, ranking second nationally compared to Fetch's third-place position. Both providers offer similar deductible structures and reimbursement rates, but Trupanion provides more flexible coverage adjustment options and shorter accident waiting periods, giving pet owners greater control over their policies.
Trupanion vs. Fetch Pet Insurance
Updated: November 3, 2025
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Trupanion vs. Fetch Pet Insurance: Key Takeaways
Fetch offers more affordable rates for middle-aged cats at $45 monthly compared to Trupanion's $48, while Trupanion provides better value for middle-aged dogs at $88 monthly versus Fetch's $103.
Trupanion ranks fifth nationally in customer experience for both cats and dogs, though its Trustpilot score of 4.2 out of 5.0 stars falls slightly below Fetch's rating of 4.5 stars.
Trupanion demonstrates stronger coverage options with a second place national ranking compared to Fetch's third place position, offering a five day accident waiting period and wellness care add ons.
Is Trupanion or Fetch Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Trupanion | 6 | 13 |
| Coverage | Trupanion | 2 | 3 |
| Customer Experience | Trupanion | 5 | 6 |
| Overall Score | Trupanion | 6 | 11 |
Trupanion and Fetch Comparison by State
Trupanion dominates as the best pet insurance company across the country, leading in 50 states for dog coverage and 48 states for cat insurance. This widespread state-level performance demonstrates Trupanion's consistent value and coverage quality nationwide.
Data filtered by:
Overall Score
Dog
| Alabama | Trupanion | 6 | 5 |
| Alaska | Trupanion | 6 | 5 |
| Arizona | Trupanion | 6 | 8 |
| Arkansas | Trupanion | 6 | 6 |
| California | Trupanion | 6 | 7 |
| Colorado | Trupanion | 6 | 7 |
| Connecticut | Trupanion | 6 | 6 |
| Delaware | Trupanion | 6 | 5 |
| Florida | Trupanion | 6 | 7 |
| Georgia | Trupanion | 6 | 6 |
| Hawaii | Trupanion | 6 | 5 |
| Idaho | Trupanion | 6 | 6 |
| Illinois | Trupanion | 6 | 8 |
| Indiana | Trupanion | 6 | 6 |
| Iowa | Trupanion | 6 | 5 |
| Kansas | Trupanion | 6 | 5 |
| Kentucky | Trupanion | 6 | 5 |
| Louisiana | Trupanion | 6 | 5 |
| Maine | Trupanion | 6 | 6 |
| Maryland | Trupanion | 6 | 5 |
| Massachusetts | Trupanion | 6 | 7 |
| Michigan | Trupanion | 6 | 5 |
| Minnesota | Trupanion | 6 | 6 |
| Mississippi | Trupanion | 6 | 5 |
| Missouri | Trupanion | 6 | 5 |
| Montana | Trupanion | 6 | 5 |
| Nebraska | Trupanion | 6 | 6 |
| Nevada | Trupanion | 6 | 7 |
| New Hampshire | Trupanion | 6 | 7 |
| New Jersey | Trupanion | 6 | 8 |
| New Mexico | Trupanion | 6 | 5 |
| New York | Trupanion | 6 | 8 |
| North Carolina | Trupanion | 6 | 5 |
| North Dakota | Trupanion | 6 | 5 |
| Ohio | Trupanion | 6 | 6 |
| Oklahoma | Trupanion | 6 | 5 |
| Oregon | Trupanion | 6 | 7 |
| Pennsylvania | Trupanion | 6 | 7 |
| Rhode Island | Trupanion | 6 | 5 |
| South Carolina | Trupanion | 6 | 5 |
| South Dakota | Trupanion | 6 | 5 |
| Tennessee | Trupanion | 6 | 7 |
| Texas | Trupanion | 6 | 7 |
| Utah | Trupanion | 6 | 5 |
| Vermont | Trupanion | 6 | 5 |
| Virginia | Trupanion | 6 | 5 |
| Washington | Trupanion | 6 | 5 |
| West Virginia | Trupanion | 6 | 5 |
| Wisconsin | Trupanion | 6 | 6 |
| Wyoming | Trupanion | 6 | 5 |
Trupanion vs. Fetch Pet Insurance Cost
Fetch offers cheaper pet insurance than Trupanion for most age groups, though results vary by pet type. Fetch costs $45 per month for middle-aged cats compared with Trupanion's $48. For middle-aged dogs, Trupanion charges $88 versus Fetch's $103.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Fetch | $14 | 14% |
| Young Cats | Fetch | $23 | 12% |
| Puppies | Fetch | $45 | 13% |
| Middle Aged Cats | Fetch | $45 | 7% |
| Young Dogs | Fetch | $60 | 14% |
| Middle Aged Dogs | Trupanion | $88 | 15% |
| Senior Cats | Fetch | $135 | 0% |
| Senior Dogs | Trupanion | $252 | 17% |
Trupanion vs. Fetch Pet Insurance Cost by State
Pricing varies by pet type for the cheapest pet insurance between these providers. Fetch offers lower rates for middle-aged cats and younger pets, while Trupanion provides better pricing for middle-aged and senior dogs across all 50 states.
Data filtered by:
Middle Aged Dogs
| Alabama | Trupanion | $64 | 15% |
| Alaska | Trupanion | $85 | 15% |
| Arizona | Trupanion | $108 | 14% |
| Arkansas | Trupanion | $59 | 15% |
| California | Trupanion | $112 | 14% |
| Colorado | Trupanion | $111 | 14% |
| Connecticut | Trupanion | $101 | 15% |
| Delaware | Trupanion | $88 | 15% |
| Florida | Trupanion | $100 | 15% |
| Georgia | Trupanion | $79 | 15% |
| Hawaii | Trupanion | $89 | 15% |
| Idaho | Trupanion | $88 | 15% |
| Illinois | Trupanion | $110 | 14% |
| Indiana | Trupanion | $80 | 15% |
| Iowa | Trupanion | $74 | 15% |
| Kansas | Trupanion | $80 | 15% |
| Kentucky | Trupanion | $69 | 15% |
| Louisiana | Trupanion | $71 | 15% |
| Maine | Trupanion | $106 | 15% |
| Maryland | Trupanion | $86 | 15% |
| Massachusetts | Trupanion | $114 | 15% |
| Michigan | Trupanion | $88 | 15% |
| Minnesota | Trupanion | $92 | 15% |
| Mississippi | Trupanion | $74 | 15% |
| Missouri | Trupanion | $69 | 15% |
| Montana | Trupanion | $73 | 15% |
| Nebraska | Trupanion | $79 | 15% |
| Nevada | Trupanion | $92 | 14% |
| New Hampshire | Trupanion | $102 | 15% |
| New Jersey | Trupanion | $99 | 15% |
| New Mexico | Trupanion | $77 | 15% |
| New York | Trupanion | $96 | 15% |
| North Carolina | Trupanion | $78 | 15% |
| North Dakota | Trupanion | $67 | 15% |
| Ohio | Trupanion | $81 | 15% |
| Oklahoma | Trupanion | $74 | 15% |
| Oregon | Trupanion | $110 | 15% |
| Pennsylvania | Trupanion | $92 | 15% |
| Rhode Island | Trupanion | $77 | 15% |
| South Carolina | Trupanion | $83 | 15% |
| South Dakota | Trupanion | $77 | 15% |
| Tennessee | Trupanion | $81 | 15% |
| Texas | Trupanion | $94 | 14% |
| Utah | Trupanion | $84 | 15% |
| Vermont | Trupanion | $82 | 15% |
| Virginia | Trupanion | $94 | 15% |
| Washington | Trupanion | $101 | 15% |
| West Virginia | Trupanion | $76 | 15% |
| Wisconsin | Trupanion | $94 | 15% |
| Wyoming | Trupanion | $81 | 15% |
Trupanion vs. Fetch Pet Insurance Discounts
Trupanion and Fetch differ in how they help pet owners save on premiums. While both prioritize comprehensive coverage, Fetch offers more pet insurance discounts, especially for military members, AARP members, and employees of participating companies.
None — Trupanion does not offer a multi-pet discount. | None — Fetch does not include a built-in multi-pet discount. | |
Bundling | Some partner promotions may apply, but no standard insurance bundling discount. | None |
Annual Pay-In Full | Not available. | Not available. |
Association/Club Member | Limited partnership savings may apply through select organizations. | AARP members and active or former U.S. military personnel receive a 10% lifetime discount. |
Employer Group | Offered through select veterinary and breeder programs. | Employees of participating companies receive a 10% lifetime discount through Fetch’s employer benefits program. |
Trupanion vs. Fetch Pet Insurance Customer Experience
Trupanion delivers better customer experience than Fetch, ranking fifth nationally for both dogs and cats compared to Fetch's lower position. Both providers maintain strong A+ BBB ratings, showing consistent business practices. While Fetch edges ahead with a 4.5 Trustpilot score versus Trupanion's 4.2, Trupanion's superior national ranking reflects better overall customer satisfaction across multiple service areas.
Fetch vs Trupanion Trustpilot ratings
Fetch earns a higher Trustpilot rating at 4.5 out of 5.0 stars compared to Trupanion's 4.2 out of 5.0. Both ratings come from verified customers and suggest generally positive experiences with each provider's service and claims handling.
Fetch vs Trupanion BBB ratings
Both Fetch and Trupanion maintain identical A+ BBB ratings with full accreditation, as does Trupanion. These ratings reflect strong complaint resolution practices and transparent business operations for both providers.
Fetch vs Trupanion Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found contrasting sentiment between the providers. Trupanion received 44% positive feedback from 16 total comments (7 positive, 9 negative), while Fetch scored just 8% positive sentiment from 13 comments (1 positive, 12 negative).
Trupanion vs. Fetch Pet Insurance Coverage
Fetch offers better pet insurance coverage for dogs and cats than Trupanion, ranking sixth nationally while Trupanion ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Fetch 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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | – (routine parasite care excluded) | ✓ (through wellness add-on) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0–$1,000 (set per condition, lifetime) | $250, $300, $400, $500, $700 | |
Unlimited (no annual or lifetime cap) | $5,000, $10,000, $15,000 or $20,000 | |
90% (fixed) | 70%, 80%, 90% | |
5 days for injuries, 30 days for illnesses | 15 days for accidents and illnesses | |
Age restrictions | Enrollment typically available up to age 14 | Available from 6 weeks old, no upper age limit |
Not covered | Not covered (curable conditions reviewed after 6 months symptom-free) | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Trupanion vs. Fetch Pet Insurance Add-ons
Fetch offers more options for routine and preventive care, while Trupanion focuses on expanding treatment coverage for rehabilitation and alternative therapies. These add-ons allow pet owners to enhance their financial protection beyond accident and illness coverage.
Trupanion Pet Insurance Add-ons
Trupanion’s add-on options focus on recovery and short-term coverage benefits for new pets.
- Recovery and Complementary Care package: Covers physical therapy, hydrotherapy, acupuncture and other rehabilitation treatments following a covered accident or illness.
- Exam Day and Go Home Day Offers: Provide immediate, short-term coverage for newly adopted or examined pets, helping owners activate financial protection without a standard waiting period.
Fetch Pet Insurance Add-ons
Fetch’s add-ons expand wellness and preventive coverage options.
- Wellness plan: Covers dental cleaning, vaccines, blood tests, flea/tick medication, spay/neuter and other preventive care with no deductible or waiting period.
- Employer and partner benefits: Employees of participating companies receive ongoing discounts and additional wellness-related perks as part of Fetch’s voluntary benefits program.
Trupanion vs. Fetch Pet Insurance: Bottom Line
Trupanion beats Fetch across all categories, delivering better affordability, coverage and customer service. Trupanion costs $88 monthly for middle-aged dogs, though Fetch edges ahead for cats at $45 monthly. Trupanion's superior coverage includes unlimited payouts on covered conditions and direct vet payments, eliminating upfront costs. The provider also delivers better customer service, earning a 4.2 out of 5.0 Trustpilot rating and A+ BBB rating.
Trupanion vs. Fetch Pet Insurance Comparison: FAQ
Compare Trupanion and Fetch pet insurance through these common questions:
Which is cheaper: Trupanion vs Fetch pet insurance?
Fetch is cheaper than Trupanion for most pet categories across all 50 states. Fetch charges $45 monthly for middle-aged cats compared to Trupanion's $48. However, Trupanion offers better rates for middle-aged and senior dogs at $88 monthly versus Fetch's $103. Overall, Fetch provides more affordable coverage for cats and younger dogs.
Which has better customer service: Trupanion vs Fetch pet insurance?
Trupanion delivers superior customer service, ranking fifth nationally for customer experience. Trupanion maintains a 4.2 out of 5.0 Trustpilot score and an A+ BBB rating, while Fetch achieves a higher 4.5 Trustpilot score but ranks significantly lower overall in customer experience performance.
Which offers better coverage: Trupanion vs Fetch pet insurance?
Trupanion offers better coverage than Fetch, ranking second nationally compared to Fetch's third-place position for both cats and dogs. Trupanion provides comprehensive add-ons including behavioral therapy, dental illness coverage, and end-of-life care. Fetch focuses primarily on wellness plan options. Both cover essential services like diagnostics, medications, and chronic conditions, but Trupanion's extensive add-on selection delivers superior customization for pet owners.
Can I switch from Trupanion vs Fetch pet insurance or vice versa?
Yes, you can switch between Trupanion and Fetch anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and six months for orthopedic conditions with Trupanion, while Fetch requires 14 days for illnesses and 30 days for orthopedic issues. Pre-existing conditions won't transfer coverage.
Does Trupanion vs Fetch cover pre-existing conditions?
Neither Trupanion nor Fetch covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Trupanion covers curable pre-existing conditions after your pet stays symptom-free for 12 months. Fetch also covers curable conditions after a 12-month waiting period without symptoms or treatment.
Can I get discounts with both Trupanion vs Fetch pet insurance?
Yes, both Trupanion and Fetch offer discounts to help reduce premium costs. Trupanion provides four discount options, including 5% off for veterinary professionals, military personnel, and employees of partner organizations, plus additional savings through employer group benefits. Fetch offers three discount types: 5% for annual payment plans, up to 10% for multiple pets, and 5% for certain professional memberships.
What are the age limits for Trupanion vs Fetch pet insurance?
Trupanion accepts pets of any age with no upper enrollment limits, making it accessible for senior animals. Fetch restricts enrollment to pets under 14 years old, which limits coverage options for older pets seeking new insurance policies.
How We Scored Trupanion vs. Fetch Pet Insurance
Evaluating Trupanion and Fetch required analyzing both providers under identical conditions to ensure fair comparison. We obtained quotes using the same pet profiles and policy specifications for both companies:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
Our analysis used three weighted factors that matter most to pet owners:
Affordability (50% of score): We collected quotes across different pet ages and coverage options to assess real-world pricing, including available discounts that affect actual premiums.
Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to measure satisfaction with claims processing and customer support quality.
Coverage (20% of score): We examined policy benefits, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.