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.
Trupanion vs. Fetch Pet Insurance
Updated: April 28, 2026
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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 monthly, while Trupanion provides better value for middle-aged dogs at $88 monthly versus Fetch's $103 monthly.
Trupanion earns a 4.4 out of 5 on Trustpilot and holds an A+ BBB rating, reflecting its fast claim processing and direct payment to vets.
Trupanion has better pet insurance coverage than Fetch, featuring shorter waiting periods, per-condition deductibles and direct vet payment.
Is Trupanion or Fetch Pet Insurance Better?
| Cat | Affordability | Trupanion | 5 | 12 |
| Dog | Affordability | Trupanion | 6 | 13 |
| Cat | Coverage | Trupanion | 2 | 3 |
| Dog | Coverage | Trupanion | 2 | 3 |
| Cat | Customer Experience | Trupanion | 5 | 6 |
| Dog | Customer Experience | Trupanion | 5 | 6 |
| Cat | Overall Score | Trupanion | 5 | 10 |
| Dog | Overall Score | Trupanion | 6 | 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:
Trupanion and Fetch Comparison by State
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.
Data filtered by:
Select
| Alabama | Cat | Trupanion |
| Alabama | Dog | Trupanion |
| Alaska | Cat | Trupanion |
| Alaska | Dog | Trupanion |
| Arizona | Cat | Trupanion |
| Arizona | Dog | Trupanion |
| Arkansas | Cat | Trupanion |
| Arkansas | Dog | Trupanion |
| California | Cat | Trupanion |
| California | Dog | Trupanion |
| Colorado | Cat | Trupanion |
| Colorado | Dog | Trupanion |
| Connecticut | Cat | Trupanion |
| Connecticut | Dog | Trupanion |
| Delaware | Cat | Trupanion |
| Delaware | Dog | Trupanion |
| Florida | Cat | Trupanion |
| Florida | Dog | Trupanion |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Trupanion |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Trupanion |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Trupanion |
| Illinois | Cat | Trupanion |
| Illinois | Dog | Trupanion |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Trupanion |
| Iowa | Cat | Trupanion |
| Iowa | Dog | Trupanion |
| Kansas | Cat | Trupanion |
| Kansas | Dog | Trupanion |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Trupanion |
| Louisiana | Cat | Trupanion |
| Louisiana | Dog | Trupanion |
| Maine | Cat | Trupanion |
| Maine | Dog | Trupanion |
| Maryland | Cat | Trupanion |
| Maryland | Dog | Trupanion |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Trupanion |
| Michigan | Cat | Trupanion |
| Michigan | Dog | Trupanion |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Trupanion |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Trupanion |
| Missouri | Cat | Trupanion |
| Missouri | Dog | Trupanion |
| Montana | Cat | Trupanion |
| Montana | Dog | Trupanion |
| Nebraska | Cat | Trupanion |
| Nebraska | Dog | Trupanion |
| Nevada | Cat | Trupanion |
| Nevada | Dog | Trupanion |
| New Hampshire | Cat | Trupanion |
| New Hampshire | Dog | Trupanion |
| New Jersey | Cat | Trupanion |
| New Jersey | Dog | Trupanion |
| New Mexico | Cat | Trupanion |
| New Mexico | Dog | Trupanion |
| New York | Cat | Trupanion |
| New York | Dog | Trupanion |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Trupanion |
| North Dakota | Cat | Trupanion |
| North Dakota | Dog | Trupanion |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Trupanion |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Trupanion |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Trupanion |
| Pennsylvania | Cat | Trupanion |
| Pennsylvania | Dog | Trupanion |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Trupanion |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Trupanion |
| South Dakota | Cat | Trupanion |
| South Dakota | Dog | Trupanion |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Trupanion |
| Texas | Cat | Trupanion |
| Texas | Dog | Trupanion |
| Utah | Cat | Trupanion |
| Utah | Dog | Trupanion |
| Vermont | Cat | Trupanion |
| Vermont | Dog | Trupanion |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Trupanion |
| Washington | Cat | Trupanion |
| Washington | Dog | Trupanion |
| West Virginia | Cat | Trupanion |
| West Virginia | Dog | Trupanion |
| Wisconsin | Cat | Trupanion |
| Wisconsin | Dog | Trupanion |
| Wyoming | Cat | Trupanion |
| Wyoming | Dog | Trupanion |
How We Decided the Winning Pet Insurance Provider by State
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.
Trupanion vs. Fetch Pet Insurance Cost
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.
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% |
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.
Trupanion vs. Fetch Pet Insurance Cost by State
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.
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% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age.
Trupanion vs. Fetch Pet Insurance Discounts
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.
Military | None. | Active military members and veterans get 10% off when they enroll with proof of service. |
Membership | None. | Save 10% on premiums if you're an AARP member and you enroll through the AARP benefit page. |
Employer group plan | None. | Access 10% discount when you sign up with a participating employer's group plan. |
Trupanion vs. Fetch Pet Insurance Customer Experience
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.
Fetch vs Trupanion Trustpilot ratings
Fetch edges out Trupanion with a 4.5 out of 5 Trustpilot rating compared to Trupanion's 4.4 out of 5, though both are considered "Excellent" scores. Customers praise both providers for fast claim processing and helpful customer service, with Trupanion earning recognition for its direct payment to vets and Fetch receiving compliments for responsive support staff.
Fetch vs Trupanion BBB ratings
Trupanion earns an A+ BBB rating, while Fetch holds an A rating. The A+ rating means Trupanion meets BBB's highest standards for trust, while Fetch's A rating shows strong business practices despite having 198 complaints filed against it versus Trupanion's fewer complaints. Both companies are BBB accredited, meaning they've committed to resolving customer disputes and maintaining transparent business practices.
Fetch vs Trupanion Pet Insurance Reddit Sentiment
On Reddit, Trupanion earns 44% positive feedback from 16 total comments (seven positive, nine negative), whereas Fetch garners just 8% positive sentiment from 13 comments (one positive, 12 negative). Reddit users praise Trupanion's direct payment to vets and responsive customer service, though some complain about claim denials and premium increases. Fetch struggles with Reddit users, with complaints focused on denied claims and poor customer service responses.
Trupanion vs. Fetch Pet Insurance Coverage
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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0 to $1,000; deductible applies per condition for the lifetime of the pet | $250 to $2,500 | |
Unlimited | $5,000, $10,000, $15,000, Unlimited | |
90% | 70%, 80%, 90% | |
5 days for accidents, 30 days for illnesses in most states. These waiting periods change for the following states:
| 15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | |
Age restrictions | Only insures pets below 14 years old | No upper age limits for enrollment |
Pre-existing conditions | Conditions that developed 18 months prior to your policy’s effective date or during waiting periods are permanently excluded | Curable pre-existing conditions may be eligible for coverage if cured and symptom-free for 365 days |
Direct vet payment | Pays licensed veterinarians right at checkout, as long as the vet has Trupanion's software installed | Doesn't offer direct payment to vets |
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
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.
- Breeding: Covers illnesses and injuries tied to breeding, whelping and queening.
- Pet owner assistance package: Reimburses costs for lost pets, boarding, vacation cancellation, property damage your pet causes to others, and cremation or burial expenses.
- Recovery and complementary care: Covers rehabilitative therapy, hydrotherapy, chiropractic treatments, acupuncture and behavioral therapies for accidents or illnesses included in your policy.
- Wellness plan: Comes in three tiers (Essentials, Advantage, Prime) and covers various routine care services, such as annual exams, vaccinations, flea prevention, heartworm testing, dental cleanings, spay/neuter procedures, microchipping, behavioral exams, health certificates and activity monitors.
Trupanion vs. Fetch Pet Insurance: Bottom Line
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:
Trupanion vs. Fetch Pet Insurance Comparison: FAQ
Compare Trupanion and Fetch pet insurance through these common questions:
What is the difference between Trupanion and Fetch pet insurance?
Trupanion offers one comprehensive plan with a per-condition deductible and 90% reimbursement, plus the option to pay licensed vets directly. Meanwhile, Fetch provides customizable coverage with annual deductibles ranging from $250 to $2,500 and reimbursement options of 70%, 80% or 90%. Fetch also has pet insurance discounts that Trupanion lacks.
Is Trupanion or Fetch pet insurance cheaper?
Fetch offers cheaper pet insurance for cats across all age groups and for puppies and young dogs, while Trupanion provides lower rates for middle-aged and senior dogs. For middle-aged cats, Fetch costs $45 monthly compared to Trupanion's $48, and for middle-aged dogs, Trupanion charges $88 monthly versus Fetch's $103. Senior dog owners save the most with Trupanion at $252 monthly compared to Fetch's $305, a 17% difference or $632 annually.
Which pet insurance is better: Trupanion or Fetch?
Trupanion offers better pet insurance for both dogs and cats, ranking fifth nationally for cats and sixth for dogs compared to Fetch's 10th and 11th place finishes. Trupanion wins across all scoring categories including affordability, coverage and customer experience for both pet types. Both providers earn "Excellent" ratings on Trustpilot, but Trupanion's higher BBB rating and stronger positive Reddit sentiment make it the better choice overall.
Does Trupanion or Fetch pet insurance cover pre-existing conditions?
Fetch covers curable pre-existing conditions after a 12-month waiting period without symptoms or treatment. Trupanion permanently excludes conditions that occurred 18 months prior to your policy’s effective date or during waiting periods.
How do Trupanion and Fetch compare for claims and reimbursements?
Trupanion offers direct payment to vets and a fixed 90% reimbursement, while Fetch requires upfront payment with reimbursement options of 70%, 80% or 90%. Both companies process claims quickly, with Trustpilot reviewers praising Trupanion's direct vet pay feature and Fetch's straightforward claims process.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.
Sources
- Trustpilot. "Fetch Pet Insurance ." Accessed May 13, 2026.
- Trustpilot. "Trupanion." Accessed May 13, 2026.
- Better Business Bureau. "Trupanion." Accessed May 13, 2026.
- Better Business Bureau. "Fetch Pet Insurance." Accessed May 13, 2026.