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# Trupanion Pet Insurance vs. Fetch
 and  are two of the most respected brands in the American pet insurance market. Trupanion offers one, simple coverage option that pays 90% of your actual vet bills when your pet gets sick or injured. Fetch, on the other hand, allows you to choose between 70%, 80%, or 90% reimbursement depending on your budget. Either way, both companies are highly rated by pet parents and are regulars on our  list.
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|  |  |  |
| --- | --- | --- |
| Price: |  |  |
| Overall Rating: |  |  |
| Total Reviews: | 9,596 | 23,183 |
| Deductible: | $0 - $1,000 | $300, $500, $700 |
| Reimbursement: | 90% | 70%, 80%, 90% |
| Annual Limit: | Unlimited | $5K - Unlimited |
| Company Profile: |  |  |
| Waiting Period for Accidents: | 5 days | up to 15 days |
| Waiting Period for Illnesses: | 30 days | up to 15 days |
| Waiting Period for Orthopedic Coverage: | 30 days | 6 months for knees (can be waived)\*\* |
| Emergency Care: | Included | Included |
| Accidents: | Included | Included |
| Illnesses: | Included | Included |
| Cancer Coverage: | Included | Included |
| Orthopedic Issues: | Included | Included |
| Hereditary Conditions: | Included | Included |
| Chronic Conditions: | Included | Included |
| Prescription Meds: | Included | Included |
| Wellness Coverage: | Excluded | Optional |
| Vet Restrictions: | None | None |
## Trupanion vs. Fetch
Trupanion and Fetch are two popular choices when it comes to pet insurance. Trupanion came to market in 2000 while Fetch made its entry not much later in 2003. Trupanion is publicly-traded and holds a market cap north of $1 billion. Whether you require insurance for your cat or dog, it is a good idea to compare these two insurers.
## Trupanion Review
Their deductible ranges from $0 to $1,000 depending on the specific claim. They offer a 90% reimbursement on your expenses. Emergency care is included with their plans. However, there is a five-day wait period for accidents and a 30-day wait period for illnesses and orthopedic-related claims.
## Fetch Review
They only offer one plan. Their deductibles range from $300, $500, and $700. They offer a reimbursement of 70%, 80%, or 90% of the cost. Emergency care, vet fees, and boarding are included in their plan. As for accident and illness waiting periods, it is up to 15 days.
## Coverage Comparison
Both Trupanion and Fetch offer emergency care coverage. The wait period for accidents and injuries is only five days. Fetch offers a waiting period for illnesses that is 15 days shorter.
Trupanion offers supplemental coverage for recovery and complementary care. This added insurance helps you to cover expenses related to medical and surgical therapies. Some examples include behavioral modification, hydrotherapy, and acupuncture.
While Fetch only offers one policy option, they do have some perks. You are covered for your veterinary exam fees which many insurers won’t pay. You can also get a reimbursement on holistic health services and non-routine dental care.
## Price Comparison
Fetch provides an insurance policy that costs roughly $29 to $35 a month. Trupanion charges an average of $59 monthly for cat insurance and $68 monthly for dog insurance. The deductible with Fetch ranges from $300, $400, or $500. With Trupanion, your policy costs more, but you face a deductible in the $0 to $1,000 range.
## Conclusion
Both Trupanion and Fetch have their benefits. However, these two insurance providers offer completely different benefits to their customers. You can cut costs on a monthly basis by going with Fetch and save up to a few hundred dollars a year. But, if you end up making a claim your higher deductible cost will quickly eat away at your savings. If you make multiple claims over a short period, it would have made more sense to go with Trupanion even though their premiums are higher.
Not sure which to choose?  and go from there!
**Compare Trupanion**
**Compare Fetch**
**Related Content**
## Trupanion Pet Insurance Enrollment Requirements
**Trupanion Enrollment Requirements**
You must provide all medical history and records associated with your pet. You also authorize Trupanion to contact any and all veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet. Trupanion allows pets to enroll from the time of birth to their 14th birthday.
## Fetch Pet Insurance Enrollment Requirements
\*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.
\*\*Orthopedic Health Issues
* 6-month waiting period for cruciate ligaments and patellar luxation
* The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
* The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
* A 30-day waiver is available
* Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days
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 »  » Trupanion Pet Insurance vs. Pets Best Pet Insurance
# Trupanion Pet Insurance vs. Pets Best Pet Insurance
Trupanion and Pets Best are two of the oldest and most established pet insurance providers in the U.S. Both companies are highly rated by pet parents and each provides unique coverage options and service that can suit any pet parent’s needs.
Trupanion is the only publicly traded pet insurance provider (ticker symbol TRUP) and has been around since 1999 when it started at Vetinsurance in Canada. Then in 2005 they opened shop in America under the name Trupanion.
Pets Best was founded in 2005 by Dr. Jack Stephens. Dr. Stephens was also the founder of Veterinary Pet Insurance (now Nationwide) and is considered by many to be the founding member of pet health insurance in America.
| Total Reviews: | 9,596 | 22,827 |
| Deductible: | $0 - $1,000 | $50 - $1,000 |
| Reimbursement: | 90% | 70% - 90% |
| Annual Limit: | Unlimited | $5,000 - Unlimited |
| Waiting Period for Accidents: | 5 days | 3 days\* |
| Waiting Period for Illnesses: | 30 days | 14 days |
| Waiting Period for Orthopedic Coverage: | 30 days | 14 days\*\* |
## Trupanion vs. Pets Best
Trupanion and Pets Best sell comprehensive pet insurance policies that make emergency healthcare services more affordable. Compare the companies’ plans and prices to decide which one will work better for you.
## Trupanion Details
* **Overall Rating:**Trupanion gets a  from pet parents.
* **Deductible:**Trupanion has deductibles from $0 to $1,000.
* **Reimbursement:**Trupanion reimburses 90% of covered vet expenses.
* **Emergency Care:**Trupanion has policies that cover emergency care.
* **Waiting Period for Accidents and Illnesses:**Trupanion has a 5-day waiting period for accidents and a 30-day waiting period for illnesses.
## Pets Best Details
* **Overall Rating:**Pet parents give Pets Best .
* **Deductible:**Pets Best has deductibles from $50 to $1,000.
* **Reimbursement:**Pets Best covers 70% to 90% of covered expenses.
* **Emergency Care:**Pets Best covers emergency pet care.
* ****Waiting Period for Accidents and Illnesses:****
  *All states except Maine*:
  + Accidents: 3 days
  + Illnesses: 14 days
  + Cruciate Ligament Conditions: 6 months
  + Routine Care: 0 days
    *Maine Only*
  + Accidents: 0 days
  + Cruciate Ligament Conditions: 30 days
## Pet Insurance Coverage From Trupanion and Pets Best
Trupanion pet insurance plans usually cover more costs than policies from Pets Best. Pets Best, however, has much shorter waiting periods that may influence your decision.
## Trupanion and Pets Best Prices
Trupanion pet insurance policies usually cost between $59 and $68 per month. The average Pets Bets policy costs between $25 and $43 per month.
The amount that you pay for pet insurance will depend on several factors, like your pet’s age and the level of coverage you want.
## Should You Choose Trupanion or Pets Best Pet Insurance?
 to help you decide whether Trupanion or Pets Best pet insurance can help your family save more money.
**Compare Pets Best**
## Pets Best Insurance Enrollment Requirements
A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.
*\* 3-day waiting period for accidents in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for accidents is 0 days. See below for further details:*
**Waiting Periods for Most States:**
* Accidents: 3 days
* Illnesses: 14 days
* Cruciate Ligament Conditions: 6 months
* Routine Care: 0 days
**Waiting Periods for Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, & Washington**
* Accidents: 0 days
* Cruciate Ligament Conditions: 30 days
**Waiting Periods for North Dakota Only**
*\*\* 6-month waiting period for cruciate ligaments in most states. For DE, LA, ME, MS, NE, NH, and WA, the waiting period for cruciate ligaments is 30 days.*
Additional Note: Pets must be at least 7 weeks old at the time of enrollment; there is no upper age limit for enrollment