Trupanion Pet Insurance
Fetch Pet Insurance

Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.

See how Fetch compares to Trupanion pet insurance >

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A large fluffy dog sitting on a couch with a tennis ball in his mouth.

You had me at Fetch.

— Rugby

Fetch covers more than most other providers, including Trupanion

Fetch has the most comprehensive pet insurance, which includes every tooth when it comes to dental coverage. Fetch also covers sick-visit exam fees (Trupanion doesn’t). Plus, we don’t charge a sign-up fee or limit enrollment based on your pet’s age. Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!). We’re fully dedicated to helping you on your pet parent journey.

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Compare Fetch to Trupanion pet insurance




Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees


Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums


Not covered

Costs extra

Less coverage
than Fetch

This comparison is based on core policy coverage and the information is accurate as of June 2024.

Fetch Wellness is add-on coverage.

Fetch covers what Trupanion pet insurance does not, including:

Sick-visit exam fees — saving you $50 - $250, on average, per appointment. Trupanion doesn’t cover exam fees.

Up to $1,000 in virtual vet visits (video chat, call or text). Trupanion doesn’t offer this.

Up to $1,000 in behavioral therapy and medicine. With Trupanion, you’ll have to pay extra for an add-on to get this coverage.

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Trupanion pet insurance doesn’t cover every tooth — Fetch does

Fetch Pet Insurance covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors trauma and more.

Trupanion offers limited dental coverage. Teeth outside of the canine and carnassial teeth only get limited protection.

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Alternative and holistic care is covered by Fetch’s comprehensive plan

Fetch covers many alternative and holistic therapies when administered by a vet. No add-ons required.

With Trupanion pet insurance you’ll have to pay extra if you want coverage for acupuncture, chiropractic, hydrotherapy, naturopathy, physical therapy and rehabilitative therapy.

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With Trupanion pet insurance, you’ll have to pay for exam fees

Fetch covers the full sick visit — including exam fees, saving you $50-$250 per visit.

Trupanion does not cover exam fees.

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What should you consider when you’re comparing pet insurance providers?

What does the coverage include?

Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.

How much can you customize the price?

Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.

What matters the most to you?

Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.

Add routine & preventive coverage, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).

Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.



Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

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Read customer reviews about Fetch Pet Insurance

Ready to give your pet the coverage they deserve?

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