Pumpkin vs Fetch pet insurance

14 days (Pumpkin says it can be shorter in some states)

None for accidents from an unexpected event; injuries from 'normal activity' fall under the 15-day wait

14 days

15 days

14 days (ligament and knee conditions; no separate longer period)

180 days, lifetime exclusion if the condition occurs in that window (knee exception with vet exam; accidents exempt)

Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).

Excluded. Curable conditions seen in the 365 days before enrollment or during the wait: 365-day exclusion, then coverable with an annual vet exam; if it recurs, a second 365-day period; recurrence in the second period = excluded for life. The policy's wording is unclear on the second year; check with Fetch.

Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness; aesthetic, endodontic and orthodontic work and root planing excluded.

Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excluded

Dogs $5k/$10k/$20k/unlimited; cats $5k/$7k/$15k/unlimited

$5,000 / $10,000 / $15,000 (unlimited by phone per a Fetch blog)

Annual. Options not in policy.

Annual (per policy period). Options not in policy.

No upper age limit

No upper age limit (minimum 6 weeks)