Key Differences
Pumpkin has a longer window to file a claim but no claims submission app.
Fetch’s lowest deductible option is $300. Pumpkin’s is $100.
Pumpkin has fewer reimbursement rate options than Fetch.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Fetch and Pumpkin offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
28,851 |
1,786 |
Deductible: |
$300, $500, $700 |
$100, $250, $500, and $1,000 |
Reimbursement: |
70%, 80%, or 90% |
80% or 90% |
Annual Limit: |
$5,000 to Unlimited |
$5,000 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
14 days |
Illness Waiting Period: |
Up to 15 days |
14 days |
Wellness Waiting Period: |
0 days |
0 |
Orthopedic Waiting Period: |
6 months* |
14 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Yes |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 90 days of treatment |
Within 270 days of treatment |
Claims Submission App: |
Yes |
No |
Fetch Accident and Illness Coverage
Fetch offers accident and illness coverage for dogs and cats. You can customize this configuration to fit your needs and budget.
Deductible Options
$300, $500, $700
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
Fetch offers a wide variety of annual coverage and deductible choices. They give customers additional flexibility by offering a one-on-one call to their customer care team to provide the best options, including a range of $5,000 to unlimited annual coverage.
What's Covered
Accidents
Acupuncture, Chiropractic Care, and Physical Therapy
Aggression and Separation Anxiety
Allergies
Breed-Specific Issues
Cancer Coverage
Congenital Conditions
Dental Illnesses
Diabetes and Insulin
Emergency Vet Visits and Hospital Stays
Hereditary Conditions
Illnesses
Online, In-Home, and Office Vet Visits
Prescription Medications and Supplements
Sick-Visit Exam Fees
Specialists
Surgery
X-rays, CT scans, Ultrasounds, Blood and Lab Tests
Optional Fetch Wellness Add-On
Fetch also offers an optional routine care add-on for its main insurance product. You can choose from three levels of wellness coverage: Essentials, Advantage, and Prime. Each level has varying allowances and caps for covered items.
Essentials
Has an annual coverage amount of $315 and includes:
Annual exam
Canine Bordetella / Feline FELV vaccines
Canine DHLPP / Feline FVRCP vaccines
Canine Rabies / Feline Rabies vaccines
Canine Lyme / Feline FIP vaccines
Heartworm, flea, and tick prevention
Heartworm tests
Dental cleaning
Spaying or neutering
Blood test
Urinalysis
Fecal test
Advantage
Has an annual coverage amount of $520. Includes everything that is covered in Essentials, plus:
Microchipping
Anal gland expression
Prime
Has an annual coverage amount of $735. Includes everything that is covered in Advantage, plus:
Behavioral exam
Health certificate
Activity monitor
Pumpkin Accident and Illness Coverage
Pumpkin offers accident and illness coverage you can configure your annual coverage limit, deductible, and reimbursement rate to fit your budget and needs.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
80% or 90%
Annual Limit Options
$5,000, $10,000, $20,000, or Unlimited Annual Limit
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Diagnostics
Emergency Care
Hospitalization
Hereditary Conditions
Illnesses
Prescription Pet Food
Prescription Medications
Supplements
Surgery
Tooth extractions
Microchip Implantation
Orthopedic Illnesses
Veterinary Treatment
While this is a general overview, each claim is unique and subject to terms and conditions. For full details please visit pumpkin.care/insurancepolicy.
Optional Wellness Add-On
Pumpkin offers two optional wellness coverage add-ons to their accident and illness plan. You can enroll your cat or dog in an Essential or Premium Plan to be reimbursed up to your yearly limit on select preventative and routine care.
Essential Plan for Dogs
Wellness Exams
Vaccination
Fecal Test
Routine Bloodwork
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Dogs
Everything in the Essential Plan is covered, plus:
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Essential Plan for Cats
Wellness Exams
Vaccinations
Fecal Test
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Cats
Everything in the Essential Plan is covered, plus:
Routine Bloodwork
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Fetch and Pumpkin.
Fetch Claims Details
Fetch Pet Insurance has an app you can use to submit your claims directly. Alternatively, you can also mail or email your claim form with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission with the Fetch Pet Insurance app
Approved claims are paid back in as little as two days
Pumpkin Claims Details
You can use Pumpkin’s website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment. Pumpkin also offers an urgent pay service, PumpkinNow™, to speed up high-cost urgent care on eligible claims.
Offers an urgent pay service that expedites claims and estimates for urgent care of $1,000 or more. This could give you up to 90% cash back in as little as 15 minutes, before you leave the vet*.
Offers direct deposit as a reimbursement option.
Claims processing times will vary depending on your specific case. With PumpkinNow™, you can get paid before you pay for eligible urgent care.
Our Fetch vs. Pumpkin Review
Fetch and Pumpkin offer comprehensive coverage for accidents, illnesses, and various health issues. Both insurers offer an optional wellness coverage add-on. Fetch and Pumpkin offer multiple reimbursement, deductible, and annual limit options to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
