Fetch vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Trupanion has an unlimited annual limit option; Fetch tops out at $10,000.
- › Exam fees: Fetch — covered; Trupanion — not covered.
- › Trupanion uses a per-condition lifetime deductible; the other resets every year.
- › Trupanion can pay your vet directly at checkout.
| Fetch | Trupanion | |
|---|---|---|
| Plan | Accident & Illness | Trupanion Policy |
| Reimbursement | 70/80/90% | 90% |
| Annual limit (max) | $10,000 | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Covered | Not covered |
| Dental | Injury & disease | Injury & disease |
| Alternative therapy | Included | Add-on |
| Pays vet directly | No | Yes |
| Accident wait | none | 5 days |
| Illness wait | 15 days | 30 days |
| Orthopedic wait | 6 mo | None extra |
| Wellness option | Yes | No |
| Multi-pet discount | None | None |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | No maximum enrollment age. | New policies up to age 14. |
| Availability | Sold in every state. | Sold in every state. |
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