Fetch Pet vs. Pumpkin Pet Insurance: coverage comparison
Does Fetch Pet Insurance or Pumpkin Pet Insurance cover more for dogs and cats? Fetch Pet covers more with the most complete insurance, reimbursing members for what Pumpkin doesn’t.
Pumpkin doesn’t reimburse 100% on thousands of qualifying pet meds†. Fetch Pet does.
Pumpkin’s accident waiting period can be as long as 14 days. Fetch Pet doesn’t have a waiting period for accidents.
Pumpkin has limitations on dental coverage. Fetch Pet covers injury and disease in every tooth, plus gums.
Fetch Pet covers what Pumpkin doesn’t
With superior coverage for injury and disease in every adult tooth along with 100% reimbursement for behavioral therapy, pet meds and online vet visits, Fetch Pet gives your pet (and your wallet) more protection than Pumpkin.
 |  | |
|---|---|---|
Every tooth, plus gums
|  | Less coverage
|
$1,000/yr. in behavioral therapy
| | |
$1,000/yr. in online vet visits
| | |
Online pharmacy.
| | |
Comparison of coverage is based on core policy coverage and the information is accurate as of August 2026. All coverage is subject to policy limit.
Dental, telehealth & more: See where Pumpkin reimburses less for vet care — or nothing at all
Pumpkin’s limited dental coverage can cost you thousands
Fetch Pet is the only pet insurance that covers injury and disease in all adult teeth, plus gums. Our dental coverage also includes endodontic care. That’s vet-speak for treating the inside of an injured or decayed tooth. So, if your pet breaks a tooth while playing, treatments like root canals, crowns, fillings and implants are all covered with Fetch Pet.
Pumpkin excludes endodontic care. Without coverage, a single root canal averages $3,140. With Pumpkin, pet parents are stuck paying the full cost — $0 reimbursement — or risk their pet losing a tooth that could have been saved.
Fetch Pet covers 100% for behavioral therapy. Pumpkin doesn’t.
Fetch Pet pays back 100% for consultations with a vet to diagnose and treat behavioral disorders, such as aggression, separation anxiety and more. Get reimbursed up to $1,000/yr. with no copay and no deductible.
Pumpkin only reimburses 80%–90% for behavioral treatment. Plus, you’re fully responsible for paying your copay and deductible with Pumpkin.
Over 95%
of dogs and 75% of cats get behavioral problems.
Fetch Pet includes online visits with any vet. Pumpkin charges extra for a helpline.
Fetch Pet lets you connect with any licensed vet for diagnoses, treatments and prescriptions right from your phone — reimbursed up to $1,000/yr. with $0 deductible and $0 copay.
Pumpkin charges extra to use its helpline where “vet experts” can’t diagnose, treat or prescribe meds. If pet parents want the convenience of a virtual vet visit, they’ll have to pay out of pocket — no reimbursement — with Pumpkin.
3 out of 4
of those who had a digital vet visit said they were satisfied or extremely satisfied.
Only Fetch Pet gives you 100% reimbursement on pet meds with Fetch Pet Rx†
Fetch Pet reimburses 100% on thousands of qualifying medications. Just order from our online pharmacy, Fetch Pet Rx, and get your pet’s meds shipped right to your door.
Pumpkin doesn’t offer this. Fetch Pet 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.
Pumpkin can cost over 2X more than Fetch Pet: monthly premium comparison
Keeping all factors the same, Pumpkin’s monthly cost to insure a cat was more than double Fetch Pet’s, and nearly double for a dog. Fetch Pet covers more injuries and illnesses than Pumpkin — and this comparison shows how Fetch Pet gives you the best pet insurance at the best price for puppies and kittens. These examples use the same deductible, max annual payout and reimbursement rate.
Side-by-side pricing: Pumpkin vs. Fetch Pet
Dog insurance | Cat insurance | |
|---|---|---|
| $18.81/mo. | $18.73/mo. |
 | $36.24/mo. | $42.38/mo. |
Monthly premiums exclude taxes and fees. Comparison based on quotes obtained May 28–June 5, 2026, for base accident & illness plans from Fetch Pet and Pumpkin with a $10,000 annual limit, $500 deductible and 80% reimbursement rate for a male small mixed-breed dog under 1 in zip code 30040 (GA) and a male domestic Shorthair cat under 1 in zip code 90010 (CA). Premiums vary by pet, location and selected coverage.
Fetch Pet makes total pet care more affordable & convenient than Pumpkin
From daily pet care to life’s unexpected moments, Fetch Pet is there for pets and their people every step of the way. Fetch Pet Members get an easy-to-use app, exclusive savings on top pet brands and reimbursement for expenses like boarding fees if you’re hospitalized or canceled travel due to a pet emergency. See how else Fetch Pet supports pet parents in ways that Pumpkin doesn’t.
| | |
|---|---|---|
Mobile app | | |
Boarding fees1 | | |
Canceled vacation2 | | |
Finding a lost pet3 | | |
$1,500+ in instant savings
| | |
Comparison of coverage is based on core policy coverage and the information is accurate as of August 2026. All coverage is subject to policy limit.
Pumpkin leaves out benefits that every Fetch Pet Member gets at no extra cost
Fetch Pet’s top-rated app makes it easy to file claims & more. Pumpkin doesn’t have an app.
You can do so much in the Fetch Pet Insurance app, including filing claims quickly and easily, getting discounts on pet products, like name-brand food, saving on your pet’s meds and more — it’s all at your fingertips.
Pumpkin doesn’t have an app, so you’ll have to head to their website whenever you need to file a claim.
If your pet is missing, Fetch Pet will help pay for the search to find them. Pumpkin won’t.
Fetch Pet covers the cost of advertising that your pet is missing and paying a reasonable reward for finding them — up to $1,000/yr. with $0 copay and $0 deductible.
Pumpkin doesn’t offer this. So if your pet doesn’t find their way home, the cost of getting the word out is on you.
97%
of U.S. households consider pets part of the family, according to Pew Research Center.
Fetch Pet covers boarding fees. Pumpkin does not.
Fetch Pet looks out for you, too. That’s why we cover up to $1,000/yr. to board your pet, if you’re hospitalized for 4 days or more. It’s one less expense to worry about when times are tough.
Pumpkin doesn’t cover boarding fees. So if you’re hospitalized, you’ll likely need to pay someone to watch your pet — on top of your own medical expenses.
Boarding a pet can cost up to
$185/night
Fetch Pet reimburses up to $1,000 for canceled vacations. Pumpkin pays back $0.
Fetch Pet helps ease some of the stress and costs of a canceled vacation due to your pet getting sick or injured. We’ll cover cancelation costs up to $1,000/yr. — no copay and no deductible.
Pumpkin doesn’t offer this. So, a canceled trip due to a pet emergency could cost you more than their vet bill. You’ll need to pay non-refundable travel fees yourself.
1 in 3
pets need emergency vet care each year.
Every Fetch Pet Member gets $1,500+ in savings on top pet brands. Pumpkin charges extra for a fraction of the value.
Shop food, treats, toys and more to support your pet’s health with Fetch Deals. Your exclusive savings start the day you enroll — no waiting, no extra cost.
You have to pay extra for a separate wellness subscription to get Pumpkin’s deals, which are only valued at $100 for cats and $200 for dogs.
Fetch Deals
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Food & treats
Essentials
Toys & more
How the claims process works: Reimbursement is quick & easy with Fetch Pet
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the Fetch Pet Insurance app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
Max payout, deductible & reimbursement options: Find the right price with Fetch Pet
Both Fetch Pet and Pumpkin let you customize your pet insurance cost. With Fetch Pet, you can choose the deductible, max annual payout and reimbursement rate that’s right for your pet and your budget. Fetch Pet’s reimbursement rates start as low as 70%, while Pumpkin starts at 80%, giving you less flexibility when selecting your plan. Learn more about how these 3 key factors impact what you pay for pet insurance.
Annual deductible
What is a deductible?
Your deductible is the amount of veterinary care you need to pay for yourself each year before your insurer starts reimbursing you.Example: If your pet insurance annual deductible is $300, you have to pay for $300 worth of approved veterinary care before you can start getting paid back for claims.
How does my deductible affect price?
Choosing a higher deductible will make your price lower.Max annual payout
What is a max annual payout?
The maximum dollar amount you can get paid back each year (sometimes this is called an “annual limit” in insurance-speak).Example: If your max annual payout is $15,000, the maximum amount your pet insurance can reimburse you is $15,000.
How does my max payout affect price?
Choosing a lower max annual payout will make your price lower.Reimbursement rate
What is a reimbursement rate?
Your reimbursement rate is the percentage of your vet bill that your insurance will cover.Example: If your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.
How does a reimbursement rate work?
Choosing a lower reimbursement rate will make your price lower.
Add Fetch Wellness to help prevent issues before they start
Both Fetch Pet and Pumpkin offer optional wellness coverage to reimburse you for your pet’s preventive care (think: vaccines, annual checkups, flea and tick meds and more). With Pumpkin, you can select either Preventive Essentials, a limited wellness add-on to your accident and illness plan, or Pumpkin Wellness Club, their most complete wellness option that requires a separate subscription. Neither of these plans match the coverage or value of Fetch Wellness. Take a look.
Pumpkin’s wellness plans can be more expensive
Fetch Wellness plans start at $18/mo. while Pumpkin charges more for dogs, starting at $20.95/mo. for their Wellness Club. Fetch Wellness makes it more affordable to keep your pup healthy.
Fetch Pet reimburses more than Pumpkin
Prime, Fetch Pet’s top wellness add-on, reimburses up to $1,200/yr. Elite, Pumpkin’s most expensive plan, caps out at $995/yr. That’s over $200 less.
Fetch Wellness covers more treatments than Pumpkin
Unlike Fetch Pet, Pumpkin doesn’t cover urinalysis, health certificates or activity monitors in any of its wellness plans. You’ll also need Pumpkin’s more expensive wellness plans for dental cleanings and spaying/neutering — Fetch Wellness covers both, and more, in every plan.
Mulligan & Taylor
Fetch Pet Members since 2019
Fetch Pet Insurance reviews & ratings from pet parents like you
Verified Trustpilot pet insurance reviews give Fetch Pet an ‘Excellent’ rating, with 4.6 stars (out of 5). The Fetch Pet Insurance app is also top-rated on Google Play and on the Apple App Store. Meanwhile, Pumpkin doesn’t even have an app.
Questions about how Fetch Pet compares to Pumpkin, answered
Is Fetch Pet or Pumpkin better?
Is Pumpkin cheaper than Fetch Pet?
Does Pumpkin cover dental like Fetch Pet?
Can I switch from Pumpkin to Fetch Pet?
Does Pumpkin Pet Insurance have an app?
Which pet insurance covers more in one plan?
Which pet insurance includes virtual vet visits?
