Healthy Paws Pet Insurance vs. Fetch

Healthy Paws has been the #1 customer-rated pet insurance company in America for over three years. Fetch is also one of the highest-rated pet insurers, with a consistent top-three ranking in customer service satisfaction. Both companies offer excellent accident and illness coverage for dogs and cats.

The only notable omission from Healthy Paws’ and Fetch’s coverage options is that Fetch offers an optional wellness and preventative care coverage add-on, while Healthy Paws does not. Other than that, if you’re looking for world-class coverage for unexpected accidents and illnesses, you can’t go wrong with either option.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	4,174	1,837
Deductible:	$100, $250 or $500	$300, $500, $700
Reimbursement:	70%, 80% or 90%	70%, 80%, 90%
Annual Limit:	Unlimited	$5K - Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	15 days	up to 15 days
Waiting Period for Illnesses:	15 days	up to 15 days
Waiting Period for Orthopedic Coverage:	15 days*	6 months for knees (can be waived)**
Emergency Care:	Included	Included
Accidents:	Included	Included
Illnesses:	Included	Included
Cancer Coverage:	Included	Included
Orthopedic Issues:	Included	Included
Hereditary Conditions:	Included	Included
Chronic Conditions:	Included	Included
Prescription Meds:	Included	Included
Wellness Coverage:	Excluded	Optional
Vet Restrictions:	None	None

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Healthy Paws vs. Fetch

Healthy Paws

Healthy Paws has remained the #1 customer-rated pet insurance company in USA for over three years. The company is known for its swift response times and quality customer service.

Deductible: $100 – $500
Reimbursement: 70% – 90%
Emergency Care: Included
Waiting period for accidents: 15 days
Waiting period for illnesses: 15 days

Fetch Pet Insurance

Fetch is a highly-rated pet insurer with a consistent top-three ranking in customer service satisfaction.

Deductible Options: $300, $500, $700
Reimbursement: 70%, 80%, 90%
Emergency Care: Included
Waiting period for accidents: up to 15 days
Waiting period for illnesses: up to 15 days

Coverage Comparisons

Both companies offer comprehensive accident & illness coverage for cats and dogs. Aside from the omission of wellness/preventative care policies, you can expect world-class coverage for unexpected accidents and illnesses from both companies.

Compare Healthy Paws

Compare Fetch

Related Content

Healthy Paws Pet Insurance Enrollment Requirements

12-month waiting period for hip dysplasia*
Must be enrolled before 6 for hip dysplasia coverage
Minimum age: 8 weeks
Maximum age: 14 years (4 years in New York state)
A pet less than 6 years old on the date of enrollment must have undergone a complete clinical examination and the exam must have taken place either 12 months before the pet policy effective date or within 15 days following the pet policy effective date
A pet 6 years old or older on the date of enrollment must have undergone a complete clinical examination within 30 days before the pet policy effective date or 15 days following the pet policy effective date

Fetch Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

6-month waiting period for cruciate ligaments and patellar luxation
The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
A 30-day waiver is available
Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days