Pet insurance comparisons: Fetch Pet vs. other providers

Yes, Fetch Pet Insurance is worth it compared to other providers because it offers the most complete coverage for injuries and illnesses. This includes reimbursing Members for veterinary care others limit, charge extra for or exclude. Other pet insurance doesn’t cover every tooth and your pet’s gums from injury and disease — Fetch Pet is the only one to do this. Others don’t reimburse 100% for online vet visits, behavioral therapy and 5 other coverages. Fetch Pet does — up to $1,000/yr. each.


If you have a young pet, Fetch Pet is the best pet insurance at the best price for puppies and kittens.

In a side-by-side comparison of base accident and illness plans from Fetch Pet and Trupanion, Fetch Pet costs $18.81/mo. for a dog and $18.73/mo. for a cat, compared with Trupanion’s $49.51/mo. for a dog and $76.19/mo. for a cat. This means Trupanion’s quoted monthly premiums were more than twice as high as Fetch Pet’s — for the same pet with the same reimbursement options.

In a side-by-side comparison of base accident and illness plans from Fetch Pet and Nationwide, Fetch Pet costs $20.05/mo. for a dog and $18.73/mo. for a cat, compared with Nationwide’s $40.57/mo. for a dog and $32.51/mo. for a cat.

These higher prices for both Trupanion and Nationwide do not include coverage that comes standard with Fetch Pet — the most complete pet insurance. That means you could be paying more for less coverage with Trupanion and Nationwide.

No pet insurance covers all pre-existing conditions, including Fetch Pet. Fetch Pet does, however, cover curable pre-existing conditions — Trupanion does not. Fetch Pet also covers injury and disease in every adult tooth even if tartar is present. Trupanion and Nationwide consider tartar a pre-existing condition, so if your pet already has it — which is common — neither provider will reimburse you for dental disease.

For more information on what is and isn’t covered, check your policy or read a sample policy.

What’s a sample policy? A sample policy details an example of a specific pet insurance provider’s coverage in your state, including waiting periods, exclusions and any caps on specific coverages.

Waiting periods vary based on the pet insurance provider, coverage type and your state. Fetch Pet doesn’t have a waiting period for accidents, so every Fetch Pet Member can start getting reimbursed for accidents that occur the day after they sign up (also known as your “policy effective date” in insurance-speak). Depending on where you live, these 5 providers may make you wait for accident coverage:

• Healthy Paws has an accident waiting period of up to 15 days
• ASPCA has an accident waiting period of up to 14 days
• Spot has an accident waiting period of up to 14 days
• Trupanion has an accident waiting period of up to 5 days
• Pets Best has an accident waiting period of up to 3 days

There is also no waiting period for preventive care with Fetch Wellness, if added. For illnesses, Fetch Pet has a 15-day waiting period, which is standard in pet insurance. Trupanion is an outlier with up to a 30-day illness waiting period.

What is a waiting period? A waiting period is a specific amount of time between when you sign up for pet insurance and when your pet is covered for new injuries and illnesses. Any signs, symptoms or conditions your pet experiences prior to, or during the waiting period, are not eligible for reimbursement.

When it comes to protecting a new puppy or kitten, Fetch Pet is the best pet insurance at the best price in the U.S. and Canada. Fetch Pet has the most complete coverage, which includes sick-visit exam fees, behavioral therapy, physical therapy and dental disease in every adult tooth — what other pet insurers don’t cover at all or charge extra to cover. Planning to adopt? Fetch Pet is the #1 pet insurance for shelter and rescue pets. Getting a pet from a breeder? Fetch Pet is the #1 choice among ethical breeders. No wonder Fetch Pet is trusted to protect over 600,000 dogs and cats (and counting!).

Fetch Pet is the only insurance for dogs and cats that covers injury and disease in every adult tooth, plus your pet’s gums. This includes full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more. It’s why Forbes named Fetch Pet the “Best Pet Insurance for Dental Coverage” in 2026.

Others, like Healthy Paws, Progressive and AKC, don’t cover periodontal disease at all. Trupanion and Nationwide won’t cover dental illness if your pet had tartar before enrollment or during the waiting period. Lemonade charges extra for dental coverage and caps it at $1,000/yr. Embrace and Geico also have specific caps on how much they'll reimburse for dental each year. Trupanion and Pets Best limit coverage for teeth outside of the canines and carnassials. You won’t find any of these limitations or exclusions with Fetch Pet.

What is periodontal disease? Periodontal disease occurs when there’s an infection or inflammation in a pet’s teeth and gums caused by bacteria and plaque buildup. It can start as mild as gingivitis, but can progress to cause teeth loosening and even falling out. It is the most common disease in dogs and cats, affecting up to 90% of them.

If your pet needs emergency care, Fetch Pet has the most complete coverage for unexpected injuries and illnesses. Unlike with others, sick-visit exam fees, behavioral therapy, full-mouth dental, alternative therapy and more come standard with Fetch Pet. You can also use any vet or emergency clinic in the U.S. or Canada with Fetch Pet.

When you sign your dog or cat up for Fetch Pet, you have the option to add a Wellness plan to your pet insurance. Wellness plans give you money back for the preventive care that helps keep your pet healthy, including vaccines, annual checkups, dental cleanings, spaying/neutering and more. There are 3 Fetch Wellness plans to choose from, reimbursing up to $1,200/yr., so you can find the one that is best for your pet and your wallet. Healthy Paws and Trupanion don’t offer wellness coverage, while ASPCA, AKC and Nationwide only have 2 wellness options.

Fetch Pet includes virtual vet visits for every member — covered 100% up to $1,000/yr. with no copay and no deductible. Trupanion and Progressive don’t cover telehealth at all, while Embrace, Spot and Nationwide limit online vet coverage to a helpline. If your pet needs more than general health advice, the “help” stops there. With other pet insurance providers, you’ll need to pay for virtual visits if you want to get a diagnosis or treatment plan from home — with $0 reimbursement.

Lemonade charges extra for virtual visits; they only cover U.S. vets and you’ll still have a copay and deductible. Healthy Paws covers virtual visits with a single provider. Fetch Pet gives you the freedom to use any licensed vet in the U.S. or Canada, so your pet can get a diagnosis, treatment plan or prescription right from your phone.

What is telehealth? Telehealth gives you and your pet access to licensed vets remotely, including from the comfort of home. These virtual vet visits make access to expert guidance more convenient.