Trupanion vs Fetch: Pet Insurance Comparison (2026)
A side-by-side comparison of Trupanion and Fetch for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Trupanion and Fetch are evenly matched on our scored factors. Trupanion is best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront, while Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options.
| Feature | Trupanion 4.2/5 | Fetch 2.5/5 |
|---|---|---|
| Max reimbursement | 90% | 90% |
| Max annual limit | Unlimited | Unlimited |
| Accident waiting period | 5 days | None |
| Illness waiting period | 30 days | 15 days |
| Direct vet pay | Yes | No |
| Exam fees covered | No | Yes |
| Curable pre-existing conditions | Yes | No |
| Avg. monthly cost (dog) | $75 | $50 |
| Available in Quebec | Yes | No |
| Multi-pet discount | — | 5% |
| Customer rating | 4.2/5 | 2.5/5 |
Trupanion
Pet owners who want comprehensive coverage and don't want to pay vet bills upfront
Get Trupanion QuoteFetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuoteTrupanion: Pros & Cons
- Unlimited lifetime coverage with no caps
- VetDirect Pay - vet gets paid directly
- Per-condition deductible (pay once per condition, ever)
- No waiting period for hip dysplasia
- 90% reimbursement on all eligible costs
- Higher monthly premiums than competitors
- No wellness/preventive care coverage
- Only one reimbursement option (90%)
- Doesn't cover exam fees
Fetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Flexible reimbursement options (70/80/90%)
- Fast claims processing (2 days)
- No upper age limit
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
Trupanion vs Fetch: FAQ
Is Trupanion or Fetch better for pet insurance in Canada?
Trupanion and Fetch are closely matched. Trupanion is best for Pet owners who want comprehensive coverage and don't want to pay vet bills upfront, while Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options.
Which has a shorter waiting period, Trupanion or Fetch?
Trupanion has a 30 days illness waiting period and 5 days for accidents. Fetch has a 15 days illness waiting period and none for accidents.
Which is cheaper, Trupanion or Fetch?
Average monthly premiums for a dog are about $75 with Trupanion and $50 with Fetch. Your actual price depends on your pet's age, breed, and location.
Are Trupanion and Fetch available in Quebec?
Trupanion is available in Quebec. Fetch is not available in Quebec.
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