Key Differences
Healthy Paws offers Direct Vet Pay.
Fetch offers an optional wellness coverage add-on, Healthy Paws does not.
Healthy Paws has a fixed maximum annual limit, Fetch’s is configurable.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Fetch and Healthy Paws offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
25,719 |
4,738 |
Deductible: |
$300, $500, $700 |
$250, $500, $750, or $1,000* |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, 70% or 80%* |
Annual Limit: |
$5,000 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
Up to 15 days |
15 days** |
Wellness Waiting Period: |
0 days |
Not available |
Orthopedic Waiting Period: |
6 months* |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Yes |
No |
Direct Vet Pay: |
No |
Yes, with prior approval |
Claims Expiration: |
Within 90 days of treatment |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
Yes |
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
Healthy Paws Accident and Illness Coverage
Healthy Paws offers accident and illness coverage for dogs and cats in one easy-to-understand pet insurance policy. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70% or 80%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Fetch and Healthy Paws.
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
Healthy Paws Claims Details
With Healthy Paws, you can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to their mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
Our Fetch vs. Healthy Paws Review
Fetch and Healthy Paws offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Fetch offers an optional wellness coverage add-on, but Healthy Paws does not. You can configure plans based on your pet's needs and budget with Fetch and Healthy Paws. But there are some differences in customization to note, like deductible and annual limit. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
