In animals, fate = destiny

Destiny: the place in the Universe where you are meant to be.
Fate: forces of Nature and History that push you toward a place.
Humans are not fated to their destiny, bucause destiny, for them, is a calling, not a force. They have to respond to this calling, for they have the glory, and the burden, of freedom.
Fate carry you 95% of your way; but, then, you have to choose, among the few options left by Nature, with your own will and freedom.