Fetch Pet Insurance vs Trupanion

Fetch Pet Insurance

Trupanion

Pet insuranceLast verified Oct 1, 2026

Verified facts for Fetch Pet Insurance and Trupanion, side by side
Field	Fetch Pet Insurance	Trupanion
FoundedDiffers	2003Source: Fetch Pet Insuranceverified 2026-09-30	2000Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersUnknown on one side	Not verified	Seattle, WashingtonSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Insurance productsSame	pet Source: Fetch Pet Insuranceverified 2026-09-30	pet Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byDiffers	AXIS Insurance CompanySource: Fetch Pet Insuranceverified 2026-09-30	American Pet Insurance Company (APIC)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableDiffers	all 50 statesSource: Fetch Pet Insuranceverified 2026-10-01	all 50 states, the District of Columbia and Puerto RicoSource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Coverage typesDiffers	Accidents Illnesses Tests Surgeries Medications Online vet visits Physical therapy Acupuncture & chiropractic care Dental & gum disease Cancer treatment Breed-specific issues Source: Fetch Pet Insuranceverified 2026-10-01	New, unexpected illnesses and injuries Surgeries, diagnostic tests, and dental Behavioral and physical therapy Source: Trupanionverified 2026-10-01
Waiting periodsDiffers	no waiting period for accidents; illness coverage begins after a waiting period of up to 15 daysSource: Fetch Pet Insuranceverified 2026-10-01	five-day waiting period for injuries and a 30-day waiting period for illnessesSource: Trupanionverified 2026-10-01
Age restrictionsDiffers	no upper-age limits and no breed restrictionsSource: Fetch Pet Insuranceverified 2026-10-01	all cats and dogs under 14 years of age are eligible to enrollSource: Trupanionverified 2026-10-01
Eligibility notesUnknown on one side	Not verified	dogs and cats only, no breed restrictions; owner must live in the United States, Canada or Puerto Rico, or at any US military base worldwideSource: Trupanionverified 2026-10-01
How to get a quoteSame	online Source: Fetch Pet Insuranceverified 2026-10-01	online Source: Trupanionverified 2026-10-01
How to file a claimDiffers	mobile app (Fetch Pet Insurance app): upload the paid invoice and supporting medical records Source: Fetch Pet Insuranceverified 2026-10-01	direct payment to the veterinary hospital via Trupanion software Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers	24/7 chatbot live chat phone Source: Fetch Pet Insuranceverified 2026-10-01	phone email live chat Source: Trupanionverified 2026-10-01
Notable limitationsDiffers	pre-existing conditions are not covered; these are injuries, illnesses or conditions the pet had before signing up or during the waiting period of up to 15 days Source: Fetch Pet Insuranceverified 2026-10-01	vet exam fees and taxes are not included in the policy wellness and routine care fall outside of coverage pre-existing conditions are not eligible for coverage preventable conditions, such as certain parasites and dental problems that arise from missed routine cleanings, are excluded Source: Trupanionverified 2026-10-01

Both companies write pet insurance. Of the fields we have verified for either company, 9 differ and 2 are unverified on at least one side. We do not pick a winner and we do not score either company.

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