Fetch vs. Healthy Paws Pet Insurance (2023)

by | 02/24/2023

You do everything you can to keep your pet safe, happy, and healthy – but emergencies still happen.

With pet insurance, you’ll never have to turn down crucial veterinary care because of financial stress. You’ll be able to pay affordable and predictable monthly fees in exchange for coverage of unexpected vet bills.

In this article, we’ll compare Fetch vs. Healthy Paws to clue you in on a couple of your options for pet insurance. These companies are good choices for pet parents seeking a straightforward plan for coverage of unexpected accidents and illnesses.

In this Fetch vs. Healthy Paws comparison, we’ll discuss:

  • Main coverage differences
  • Real customer reviews
  • Coverage exclusions
  • Plan costs
  • FAQs


Healthy Paws


  • Customizable plan options
  • Exam fee coverage
  • Dental illness coverage


  • No add-on packages
  • No multi-pet discount


  • Unlimited lifetime payout on all plans
  • Low deductible options
  • Dedication to animal welfare


  • Plan customization limited by age
  • No add-on packages

Fetch vs. Healthy Paws: What Are the Main Coverage Differences?

Let’s kick off our comparison with the table below. 

Plan Features


Healthy Paws

Our rating



Average Monthly cost

$35 for dogs, $25 for cats

$40 for dogs, $20 for cats

Annual limit


Always unlimited







Preventative/wellness option?



Pre-existing condition coverage



Multi-pet discount?



As you can see, Healthy Paws’ cat insurance is slightly more affordable than Fetch’s, while its dog insurance is more expensive. The providers offer comparable deductibles and unlimited annual payout options. However, Healthy Paws includes unlimited benefits in every plan.

Neither company offers multi-pet discounts, pre-existing condition coverage, or wellness plans for routine care.

Fetch Pet Insurance Coverage Overview

Fetch allows you to customize your plan to build a pet insurance policy that fits your needs.

You can mix and match the rates below for personalized coverage:

  • Annual payout limit – $5000, $15000, or unlimited.
  • Annual deductible –  $250, $300, $500.
  • Reimbursement percentage – 70%, 80%, or 90%.

No matter which rates you select, your Fetch coverage won’t begin until you’ve satisfied your annual deductible and waiting periods have ended.

Your deductible is the $250-$500 you must pay out of pocket before Fetch starts covering costs. Your annual coverage will kick in sooner with a lower deductible, but your monthly premiums will be higher.

A waiting period is a time frame after your policy effective date before coverage begins. All pet insurance companies enforce waiting periods to ensure pets don’t have pre-existing conditions.

Fetch has a 15-day waiting period for accidents and illnesses and a six-month waiting period for orthopedic issues like hip dysplasia and cruciate ligament events.

What Does Fetch Cover?

  • Veterinary exam fees
  • Surgery and rehabilitation
  • Cancer treatment
  • Emergency vet visits
  • Behavioral therapy
  • Holistic care
  • Breed-specific conditions
  • Complete sick visit
  • Virtual vet visits
  • Diagnostic tests
  • Imaging and ultrasound
  • Trip cancellation because of a sick pet
  • Specialist visits
  • Comprehensive dental care
  • Unexpected accidents and illnesses

What Does Fetch Not Cover?

  • Accidents or illnesses that occur during waiting periods
  • Cosmetic or elective procedures
  • Routine or preventive care
  • Pre-existing conditions
  • Birds and exotic pets
  • Breeding costs

How Much Does Fetch Cost?

On average, Fetch costs $35 per month for dogs and $25 per month for cats. Your specific price will vary depending on your pet’s age, breed, species, and location.

You can also personalize your monthly premium by selecting different deductibles, annual limits, and reimbursement rates at enrollment. Although you may feel tempted to select the lowest cost option available, consider the coverage you’ll get for that price. 

If cost is a deciding factor for you, we recommend selecting a middle-tier option for slightly better coverage.

Discounts Available 

Unlike many top pet insurance providers, Fetch doesn’t offer a multi-pet discount when you enroll more than one pet. However, Fetch offers several other discounts to make your policy more affordable. 

When enrolling in a plan, you can select monthly, quarterly, or annual billing cycles. Depending on the cycle you choose, you can save an average of $30-$40 per year on premiums.

Here are some other ways you can save with Fetch:

  • Shelter & rescue adopter discount
  • Walmart shopper discount
  • AARP member discount
  • Veterans & active military discount
  • Support, comfort, and therapy pet discount
  • Veterinarians & vet employees discount

Sample Monthly Pricing

We used Fetch’s free quote generator to retrieve sample prices for some 1-year-old pets living in Atlanta, Georgia. We selected unlimited annual payouts, $500 annual deductibles, and 80% reimbursement percentages for these pet insurance plans.


Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever (Dog)

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan With Vet Fees and Physical Therapy Coverage





Why Choose Fetch? 

Fetch was founded in 2003, so the company has nearly 20 years of experience in the pet insurance industry. Fetch also has excellent ratings for claims processing and customer service.

Take a look at these reviews from actual policyholders:

“Fetch processed our claim fairly, accurately, and promptly and helped our family take the best care of our dog during a very stressful time. Thank you for walking your talk!” –Dawn, TrustPilot.

“My claim was processed quickly, and the communication was great. I even got a call after my dog’s surgery to ask how he was doing. Such great customer service!” –Mariana V., TrustPilot.

“The peace of mind that knowing we had Fetch was very comforting. We were very worried about our dog and what the process would be like submitting a claim with Fetch. The process was easy, even being online – and the support we received from Fetch was wonderful. While they requested additional documentation at every turn, it was always relevant information needed to make the claim. Fetch always guided us when we needed to be guided. Thank you for helping us through this difficult time.” –Ari C., TrustPilot.

For more information, check out our Fetch pet insurance review.

Healthy Paws Pet Insurance Coverage Overview

Every Healthy Paws plan has unlimited per-item, annual, and lifetime payouts. This means you’ll never hit a coverage cap, no matter how many claims you submit.

However, the provider does limit your plan’s customizability by your pet’s age at enrollment. The older your pet is at sign-up, the less you’ll be able to personalize your annual deductible and reimbursement rate. For this reason, Healthy Paws isn’t the best option for senior pets.

Here are some of Healthy Paws’ basic customizability limitations by age:

Dogs and cats 3 years and under:

  • Reimbursement percentage – 70%, 80%, or 90%.
  • Annual deductible – $100, $250, or $500.

Dogs and cats 4 and 5 years old:

  • Reimbursement percentage – 70% or 80%.
  • Annual deductible – $250 or $500.

Dogs and cats 6 years old:

  • Reimbursement percentage – 70%.
  • Annual deductible – $500.

Dogs and cats 7 years old:

  • Reimbursement percentage – 70%.
  • Annual deductible – $750.

Dogs 8 years and older: 

  • Reimbursement percentage – 50%.
  • Annual deductible – $1,000.

Like all other pet health insurance providers, Healthy Paws has waiting periods. Accident/illness coverage begins after a 15-day waiting period. Hip dysplasia coverage* kicks in after a 12-month waiting period.

*Healthy Paws only offers hip dysplasia coverage to pets six and under at enrollment.

What Does Healthy Paws Cover?

What Does Healthy Paws Not Cover?

  • Illnesses or accidents that occur during waiting periods
  • Elective or cosmetic procedures
  • Veterinary examination fees
  • Preventive care services
  • Spaying/neutering 
  • Birds and exotic pets
  • Pre-existing conditions
  • Boarding fees
  • Dental illness

How Much Does Healthy Paws Cost?

Healthy Paws typically costs around $40 per month for dog insurance and $20 per month for cat insurance. Your price will vary based on your pet’s species, breed, age, and location.

Discounts Available 

Unlike most other pet insurance companies, Healthy Paws doesn’t offer any discounts.

Sample Monthly Pricing

Here are some sample pet insurance quotes for 1-year-old pets in Atlanta, Georgia. We selected $500 annual deductibles and 80% reimbursement rates for these policies.


Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever (Dog)

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan With Physical Therapy Coverage





Why Choose Healthy Paws?

Policyholders give Healthy Paws sparkling reviews regarding customer service and quick claims processing. According to two customers, claims were processed within a few days, and reimbursements quickly followed. This ease is thanks to Healthy Paws’ mobile app through which you can submit and track pending claims.

Here are some reviews from real Healthy Paws users:

“Submitting claims is easy, and the turnaround is quick. If you sign up for direct deposit, you get your money faster. I haven’t had any issues with claims being processed, and none of them have taken more than a few days. Customer service has been very helpful and is available to answer questions quickly. I would definitely recommend Healthy Paws Pet Insurance.” –Colleen G., TrustPilot.

“Very easy process. I paid my vet, uploaded my itemized statement and all medical records to the Healthy Paws site, then filed my claim. It was approved in two days, and I received a check in less than a week. Insurance for humans should be this simple!” –D. Marcus, TrustPilot.

You should also consider Healthy Paws if you’re passionate about animal welfare. The Healthy Paws Foundation has donated nearly $2 million to deserving rescue organizations and animal shelters since 2009.

Find out more in our Healthy Paws pet insurance review.

Final Thoughts

We hope this comparison of Fetch vs. Healthy Paws helps you choose the best pet insurance for your furry family member. These providers are excellent options for pet parents seeking comprehensive coverage for unexpected vet bills.

Both companies offer unlimited annual payouts so that you can make the most of your pet’s health insurance. 

Fetch and Healthy Paws aren’t good options for pet owners needing preventive care coverage for routine veterinary bills.

If you’d like wellness coverage for items like vaccinations, heartworm tests, routine checkups, blood tests, and more, read our comprehensive provider reviews for information about add-on packages from other top pet insurance providers.

Frequently Asked Questions

Does Fetch cover vet visits?

Yes – Fetch covers complete sick visits for your pet. The provider will reimburse you for the cost of exams performed by a licensed veterinarian to diagnose or treat your sick or injured pet.

Does Healthy Paws cover vet visits? 

Healthy Paws covers vet visit costs associated with your pet’s unexpected accidents and illnesses. However, Healthy Paws will not cover the exam fees or administrative costs included in your vet bill.

Does Fetch pet insurance have a limit?

For coverage limits, Fetch offers annual maximum options of $5,000 and $15,000. You can also select an unlimited yearly benefit for uncapped coverage.

Fetch has no upper age limits, so you can enroll your pet in an accident/illness plan no matter how old it is.

Does Healthy Paws pet insurance have a limit? 

Healthy Paws doesn’t have annual benefit limits on any of its plans. You’ll get unlimited per-item, annual, and lifetime payouts, no matter how many claims you submit.

Healthy Paws enforces an upper age limit on its plans, which means you can only enroll your pet if it’s 14 years old or younger. Healthy Paws also limits plan customization by age, leaving older pets with fewer coverage options.

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.