Head-to-head · Same profile, same date
Fetch vs Pumpkin: Which Fits Your Pet in 2026?
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The delta table
Where Fetch and Pumpkin actually differ
| Dimension | Fetch | Pumpkin |
|---|---|---|
| Enrollment rules | Pending verification of current age and breed rules | No breed restrictions and no upper age limit |
| Reimbursement menu | Pending verification of current tiers | A single 90 percent rate, per current plan design |
| Vet choice | Any licensed vet in the US or Canada | Pending verification |
| Payout speed | Typically processed in less than 10 days; direct deposit beats paper checks, per current terms | Published figures pending our verification |
| Dental spec | Injury and disease coverage extends to every tooth | Dental illness included on every plan |
| Preventive care | Routine option pending confirmation | Optional preventive care package sold |
| Accident-only tier | None sold; accident and illness only | Pending verification |
| Lineage | The renamed US Petplan business | Founded 2020, one of the youngest brands we track |
Pricing
How do Fetch and Pumpkin prices compare?
Neither brand competes for the lowest quote, and the mechanism is the same on both sides: breadth is built in. Fetch front-loads sick-visit exam fees and every-tooth dental, while Pumpkin includes dental illness and hereditary coverage on every plan. The dated identical-profile samples on each review page, stamped with the collection month, show the current gap.
Pumpkin's single 90 percent rate removes one pricing lever, so its quotes move on deductible and annual limit choices; verify the options inside your own quote. Cat quotes across this market run 35 to 40 percent below dog quotes, which matters here because senior cats are a core Pumpkin use case.
Coverage
What does one cover that the other does not?
The overlap is wide: both cover accidents, illnesses, hereditary conditions that arise after enrollment, dental illness, and exam fees for sick visits. The differences are spec-level. Fetch writes dental injury and disease coverage to every tooth, a spec narrower policies restrict, while Pumpkin's headline is inclusion: dental illness and hereditary coverage sit on every plan rather than in an add-on menu. Both exclude spay and neuter from the base policy, and Pumpkin sells a preventive care package where Fetch's routine option is pending confirmation.
Service
Claims and service, compared
Both run on reimbursement: pay the vet, file the itemized invoice online, and wait for the covered share. Fetch publishes the speed spec, claims typically processed in less than 10 days with direct deposit faster than paper checks, and honors treatment from any licensed vet in the US or Canada. Pumpkin's payout-speed figures are queued for our verification pass, so we quote no day count for it. First claims at both take longer because full vet records get reviewed, and that review is where pre-existing calls get made.
Who should pick which?
Pick Fetch for an owner who travels or splits time across the border, wants published payout speed, and values the every-tooth dental spec. The trade is no accident-only tier and no minimal price point.
Pick Pumpkin for a high-risk breed or a senior pet other insurers age out. The open door and included coverage cost more, and pre-existing conditions stay excluded whatever the age.
If neither fits: Embrace also covers exam fees and has advertised a deductible that dropped $50 each claim-free year; its current reward lineup has changed, so confirm the terms at quote. Lemonade wins on price with a lean base policy for young, healthy pets. Compare all 11 ranked plans.
Full reviews: Fetch review · Pumpkin review
Questions