This content was reviewed by our licensed insurance agent, Michelle Schenker.
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You should always take your dog to the vet if you think he’s ill or injured. However, you shouldn’t have to choose between your wallet and your pet’s health. That’s why they offer pet insurance.
Trupanion and Fetch by The Dodo are two of the leading pet insurance providers. But does one company offer more thorough coverage at a more affordable price? Find out which one we think is better and why.
|Policy Coverage||More Limited||Extensive|
|Customer Service & Reputation||Excellent, Stable||Uncertain, New|
|Claim Processing Average||2 Days||12-22 Days|
|Price Of Policy||Higher On Average||Varies|
|Plan Customizations||Very Limited||Many Options|
|Visit Website||Visit Website|
The table below shows specifically what Trupanion and Fetch cover. Note: Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
|Illness Waiting Period||30 Days||15 Days|
|Accident Waiting Period||5 Days||5 Days|
|Hip Dysplasia Waiting Period||30 Days||6 Months|
|CCL Surgery Waiting Period||30 Days||6 Months|
|Alternative/Holistic Therapy||Extra Fee|
|Wellness Care For An Extra Fee|
|Underwriter||American Pet Insurance Company||XL Specialty Insurance Company|
|A.M. Best Rating||Unrated||A+|
Fetch offers some of the best coverage in the pet insurance industry. It provides coverage for alternative/holistic therapy and exam fees as well as other unique items like virtual vet visits, advertising and paying a reward for a stolen or lost pet, and more.
You’ll also notice that Fetch has an A+ A.M. Best rating (a measurement of financial stability). Meanwhile, Trupanion’s underwriter is unrated by A.M. Best.
Another key deciding factor for you may be the age restrictions attached to Trupanion, which doesn’t enroll pets who are older than 14 years old. Overall, Fetch offers more extensive coverage, which is why it wins this category.
Policy Coverage Winner: Fetch
When choosing a pet insurance company, customer service and reputation should be at the top of your list. You don’t want to be on the phone waiting for someone to pick up to answer your question. You want quick, friendly service, so make sure you consider the company’s customer service history.
While the Fetch brand has only been a consumer option since January 2022, the former brand name went through an underwriter change in 2016 that resulted in sharp price increases and upset customers. It’s not uncommon to see price adjustments when an insurance company switches underwriters. The company received a lot of negative backlash with this change. However, it has mostly bounced back since then, and negative reviews have subsided, but we will be interested to see how the rebranding and new partnership with The Dodo affect customers.
Trupanion has a history of more service-oriented complaints than Fetch does. It hasn’t gone through the changes Fetch has but still experiences more complaints, which is why we feel Fetch is the winner in this category.
Customer Service & Reputation Winner: Fetch
Fetch averages 12-22 days for claim processing but allows up to 30 days. Trupanion averages two days to process claims. Overall, the sooner you get your reimbursement back, the happier you’ll be.
Trupanion is able to reimburse your veterinarian directly through Trupanion Express. However, it may not be available everywhere so be sure to check with your vet to see if this direct payment service is an option for you. Fetch doesn’t offer a vet direct pay option. Both companies also offer check and direct deposit reimbursement options.
Trupanion wins this category because it processes claims faster than Fetch on average and Trupanion Express is a fairly seamless option for getting vet bills paid.
Claim Processing Winner: Trupanion
Want to see an example of what you’d pay for Trupanion and Fetch? Check out these quotes comparing the same dog with the same characteristics.
Characteristics considered for these quotes:
- Neutered male Golden Retriever, 2 years old
- No microchip, multi-pet discount, or pre-existing conditions
- Residency in California (90016)
- Quotes from December 2021
|Deductible||Reimbursement %||Annual Payout||Price Per Month|
As you can see above, in our example, Trupanion is less expensive than Fetch when you compare them with the same deductible and reimbursement rates for the pet detailed above. However, this isn’t always the case. Oftentimes Trupanion is among the most expensive, and Fetch is more in line with competitors because it offers more customizations (more on this below).
To see more quote comparisons, take a look at our pet insurance quotes page. You’ll find that price quotes between Trupanion and Fetch can flip-flop, depending on what you’re looking for. So while Trupanion may be less expensive when you compare apples to apples, Fetch may be easier to fit into your budget with the vast number of options for deductible, reimbursement, and payout limits.
Fetch offers the following discounts:
- 10% off the first year for new customers
- Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
- 15% off for each consecutive 12-month period without a claim
- 10% off premiums for Walmart shoppers
Trupanion has a set 90% reimbursement and a set unlimited annual payout limit, so their policies aren’t nearly as customizable as many other pet insurance companies. Trupanion also has a per-incident lifetime deductible (choose from $0 to $1,000), which means you’ll have to meet the deductible multiple times if you have several emergencies or illnesses during a policy period. This can result in more expenses for you.
Fetch is much more flexible, with plenty of options to choose from. They have annual payout options of $5,000, $10,000, or unlimited. And Fetch offers 70%, 80%, and 90% reimbursements and annual deductibles of $250, $300, and $500.
Plan Customization Winner: Fetch
What If My Dog Has Special Needs?
Many pet insurance providers offer great plans for dogs who need special coverage. Be sure to research the possible conditions your dog and his breed could be diagnosed with so that you get a plan that covers it.
In the meantime, check out this adorable video that celebrates deaf dogs. Be sure to watch until the end. The last clip of Walter and Joe is precious!
In the end, we feel that Fetch has a slight edge in this battle. Of course, we always recommend getting quotes from multiple pet insurance providers before making your decision. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Trupanion and Fetch so you can expand your comparison.
Overall Winner: Fetch
Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance companies.
If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.Tagged With: Reviewed By Insurance Agent, Vs