Fetch vs. Trupanion pet insurance: coverage comparison
Is Fetch or Trupanion better?
Fetch is the better pet insurance because it covers more than Trupanion. Online vet visits, sick-visit exam fees, full-mouth dental and more are not covered at all with Trupanion. All of this is automatically included with Fetch.
Trupanion doesn’t offer full-mouth dental coverage. Fetch does.
Trupanion doesn’t offer wellness coverage. Fetch does.
Trupanion doesn’t cover online vet visits. Fetch does.
Fetch covers what Trupanion doesn’t
The most complete coverage comes standard with Fetch — not Trupanion. Trupanion has no coverage for telehealth, sick-visit exam fees and more. See for yourself.
 |  | |
|---|---|---|
Online pharmacy. |  | |
$1,000/yr. in online vet visits | | |
Sick-visit exam fees | | |
Offers optional Wellness coverage | | |
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. Comparison of online pharmacy is based on each provider's website as of December 2025. Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Exam fees, online vet visits & more: Fetch includes what Trupanion excludes
100% reimbursement on pet meds with Fetch Pet Rx†
With Fetch, you'll get 100% reimbursement on hundreds of qualifying pet medications when you order through our online pharmacy, Fetch Pet Rx.
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.
Nearly 75%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch covers online vet visits with 100% reimbursement and no copay
Fetch includes 24/7 remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — no copay, no deductible, no additional costs.
Trupanion doesn’t cover online vet visits.
Fetch covers sick-visit exam fees
Every unexpected visit to the vet comes with an exam fee, which can cost up to $250. That’s in addition to any tests and treatment your pet may need. Fetch covers the complete sick visit — exam fee included.
Trupanion doesn’t offer reimbursement for sick-visit exam fees, so you’ll be responsible for paying those fees yourself in full.
7 in 10
pet parents who forgo veterinary care cite financial reasons
With Fetch, you can add Wellness coverage
Fetch offers coverage for the routine and preventive care that keeps your pet healthy (like annual exams, dental cleanings and more), when you add Fetch Wellness.
Trupanion doesn’t have wellness coverage.
By adding wellness coverage to your accident and illness coverage, you're prepared for whatever your pet may need.
Behavioral therapy, boarding & more cost extra with Trupanion — they’re included with Fetch
While Trupanion may look less expensive than Fetch at first, Trupanion charges more to add on coverage for physical therapy, alternative care and more. All of this is included with Fetch at no extra cost.
| | |
|---|---|---|
Behavioral therapy | | Costs extra |
Alternative & holistic care | | Costs extra |
Physical therapy | | Costs extra |
Boarding fees | | Costs extra |
Every tooth, plus gums up to your max limit | | Less coverage
|
Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Fetch covers more than Trupanion to help you give your pet their longest, healthiest life
100% reimbursement for behavioral therapy with Fetch
Fetch covers consultations with a vet to diagnose and treat behavioral disorders, up to $1,000, per year — no copay, no deductible, no extra cost. Behavioral therapy is often recommended by a vet to treat your pet if they’re diagnosed with aggression, separation anxiety or a phobia.
With Trupanion, you must pay for an add-on to get any type of behavioral coverage for your pet. Plus, you're responsible for the copay and deductible costs.
Over 95%
of dogs experience behavioral problems
Alternative & holistic care comes standard with Fetch
Fetch covers acupuncture, aromatherapy, chiropractic and homeopathic treatments, also known as complementary therapy, when administered by a vet to treat an injury or illness, all at no extra charge.
Trupanion doesn’t cover alternative and holistic care in their standard plan. You’ll have to pay extra to add this coverage.
DID YOU KNOW?
Acupuncture is used by veterinarians to treat common conditions, including arthritis, allergies, IVDD (intervertebral disc disease), hip dysplasia, diarrhea, vomiting, behavioral problems, cancer and kidney disease.
Physical therapy coverage is included with Fetch
Physical therapy can aid healing, ease discomfort and improve your pet’s quality of life. Fetch covers massage, movement therapy (kinesiotherapy), underwater treadmills (hydrotherapy), electrical stimulation and more, when administered by a vet.
Physical therapy costs extra with Trupanion — you have to pay for an add-on to get this coverage.
Denzel
IVDD treatment:
$13,367
Fetch paid back:
$11,271
Fetch includes coverage for boarding fees
Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost if you’re hospitalized for 4 days or more.
With Trupanion, boarding coverage costs extra. So you’ll likely need to find someone to take care of your pet, pay boarding fees out of pocket or pay extra for this add-on.
Boarding a pet can cost up to
$185/night
Trupanion doesn’t offer dental coverage for every tooth & that could cost you
Fetch is the only provider that covers injury and disease in all adult teeth and your pet’s gums at any veterinarian in the U.S. or Canada. Why does this matter? Periodontal disease is the most common disease in dogs and cats, meaning it’s more likely than not that your pet will get it. Dental treatment for pets is also expensive (the average cost of a root canal is $3,140). Those bills can add up fast, making it crucial to have full-mouth dental coverage. Trupanion offers dental coverage, but the limitations and exclusions could cost your pet — and your wallet.
Trupanion doesn’t cover injury & disease in every tooth
Trupanion doesn’t cover teeth outside the canines and carnassials. That means 34 of your pet’s teeth wouldn’t get the complete dental coverage you’d get with Fetch. About two-thirds of dental injuries happen outside of the four canine teeth, according to Frontiers in Veterinary Science.
Trupanion won’t cover your pet’s dental illness if they’ve missed an annual oral exam
Trupanion will only cover dental illness for your pet if their teeth are examined at least once a year. Fetch doesn’t exclude coverage just because your pet misses an annual dental exam.
Trupanion has less pre-existing conditions coverage than Fetch
Trupanion won’t cover your pet’s dental illness if they have tartar before enrollment or during the waiting period. With Fetch, tartar is not considered a pre-existing condition for dental illness.
Pet insurance cost comparison: Fetch has more flexibility for reimbursement rate & more
When you get a pet insurance quote with Fetch, you’ll be given options to customize the cost. You can choose the deductible, max annual payout and reimbursement rate that best fits your pet and your budget.
Trupanion doesn’t offer the same flexibility — they require that all pets have unlimited coverage at a higher cost when that’s not right for all pets or all budgets.
It's easy to customize your price with Fetch
Fetch offers coverage for Wellness vet visits. Trupanion does not.
With Fetch, you can add Wellness coverage to get paid back for your pet's routine and preventive care. With coverage for unexpected vet visits as well as the preventive care that helps keep your pet healthy, you’ll have the total package to protect your pet’s health. Trupanion doesn’t offer wellness coverage at all. This means you won’t get paid back for annual exams, dental cleanings, flea and tick prevention, vaccinations and more with Trupanion.
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Questions about how Fetch compares to Trupanion, answered
Does Fetch cover pre-existing conditions that Trupanion excludes?
Does Fetch Pet Insurance have an unlimited annual limit option?
Can I use any veterinarian with Fetch and Trupanion?
What does Fetch Pet Insurance cover that Trupanion doesn't?
Does Trupanion cover dental disease for dogs and cats?
How does Fetch compare to Trupanion in Canada?
Is Fetch Pet Insurance better than Trupanion for dogs?
Does Fetch or Trupanion have better pet insurance reviews?
