Trupanion Pet Insurance
vs.
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 >
“You had me at Fetch.”
— Rugby
Fetch covers more than most other providers, including Trupanion
Fetch Pet Insurance is proud to protect over 450,000 pets (and counting!) with the most comprehensive coverage. Trupanion has limited or no coverage when it comes to dental coverage,
sick-visit exam fees, behavioral therapy and more.
Compare Fetch to Trupanion pet insurance
Coverage
Fetch
Trupanion
Covers pets of every age 6 weeks+
Use any vet in the U.S. and Canada
Offers wellness coverage
Sick-visit exam fees
Boarding
Online vet visits
Alternative & holistic care
Behavioral therapy
Breed-specific conditions
Every tooth, plus gums
Covered
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.
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.
Alternative and holistic care is covered by Fetch’s comprehensive plan
Fetch covers many alternative and holistic treatments, also known as complementary therapy, 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.
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.
With Fetch, you’ll get 100% reimbursement on pet meds
With Fetch, you can order your pet’s medications from our online pharmacy, Fetch Pet Rx, and we’ll reimburse 100% of your out-of-pocket expenses.
Trupanion doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds — with $0 copay — when you use Fetch Pet Rx.
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.
+
Optional ROUTINE CARE
Add Fetch Wellness
Covers annual exams, vaccinations, dental cleanings & more.