Pumpkin Pet Insurance
vs.
Fetch Pet Insurance
Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.
Get your price
“You had me at Fetch.”
— Rugby
Fetch covers more than most other providers, including Pumpkin
Fetch Pet Insurance is proud to protect over 450,000 pets (and counting!) with the most comprehensive coverage. Pumpkin pet insurance has limited or no coverage when it comes to dental illness, holistic therapies and more.
Get your pricePumpkin doesn’t cover every tooth — Fetch does
Fetch covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.
Pumpkin’s limited pet insurance coverage does not cover endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants or root canals.
When it comes to alternative & holistic care care, Fetch has you covered
Fetch covers prescription medicines like antibiotics and insulin, as well as non-prescription vitamins and nutraceuticals, when recommended by a vet to treat a new injury or illness.
Pumpkin has limited options when it comes to alternative and holistic therapies.
Fetch’s app makes it easy to submit claims and get paid fast — Pumpkin doesn’t have an app
Snap photos of your documents, send them to us and we’ll do the rest.
Pumpkin does not have a dedicated app. You need to submit claims via their online member center.
Fetch has your back if you're hospitalized
We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.
Pumpkin Pet Insurance doesn’t cover this, so you’ll likely need to find someone to take care of your pet or pay boarding fees out of pocket.
Fetch covers more than just vet bills
If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.
Pumpkin doesn’t offer this.
With Fetch, you’ll get 100% reimbursement on pet meds
With Fetch, you can order your pet’s medications from our online pharmacy, Fetch Pet Rx, and we’ll reimburse 100% of your out-of-pocket expenses.
Pumpkin 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.
What should you consider when you’re comparing pet insurance providers?
What does the coverage include?
Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.
How much can you customize the price?
Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.
What matters the most to you?
Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.
Add routine & preventive coverage, save up to $735 more a year
Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).
Unexpected Visits
Get Fetch Pet Insurance
Covers injuries, illnesses, prescription medications & more.
+
Optional ROUTINE CARE
Add Fetch Wellness
Covers annual exams, vaccinations, dental cleanings & more.
Read customer reviews about Fetch Pet Insurance
Ready to give your pet the coverage they deserve?
Compare Fetch to Pumpkin Pet Insurance
Coverage
Fetch
Pumpkin
Covers pets of every age 6 weeks+
Use any vet in the U.S. and Canada
Offers wellness coverage
Sick-visit exam fees
Boarding
Online vet visits
Alternative & holistic care
Behavioral therapy
Breed-specific conditions
Every tooth, plus gums
Covered
Not covered
Less coverage
than Fetch
This comparison is based on core policy coverage and the information is accurate as of September 2023.
Fetch Wellness is add-on coverage.