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Compare Healthy Paws vs. Fetch Pet Insurance

What’s the difference between Healthy Paws Pet Insurance and Fetch Pet Insurance? See how our editors compare the two companies below.
Last Updated: October 19, 2024
Healthy Paws Pet Insurance
4.4 / 5 - Excellent
no_rank
Fetch Pet Insurance
4.4 / 5 - Excellent
#7 in Pet Insurance
vs

Key Facts

  • Trusted by More than 625,000 Parents
  • No Enrollment or Administrative Fees
  • No Maximum Annual or Lifetime Payouts
  • Most Claims are Processed in 2 Days
  • Most comprehensive pet insurance for dogs & cats
  • Get back up to 90% on unexpected vet bills
  • $1000 in online vet visits included at no extra cost  
  • Exam fees are covered (Save $50-$250 per sick visit)

OVERALL RATINGS

 Healthy PawsFetch
Coverage4.5/55.0/5
Cost4.0/53.0/5
Extras4.0/54.5/5

When it comes to our most highly-rated pet insurance companies, Healthy Paws and Petplan take the lead.

As industry leaders, both companies offer the most comprehensive coverage, benefits, reimbursement, claims, services, and deductibles.

Similarly, both enjoy stellar reputations among consumers, with Healthy Paws being the top choice among our readers and Petplan being praised for the attentiveness of the provider’s representatives. 


What do their policies cover?

Both companies hit all the major coverage points, such as:

  • accident
  • illness
  • hereditary issues
  • congenital issues
  • cancer
  • chronic illness
  • accidental dental issues

Compared to other pet insurance providers, Healthy Paws offers extremely comprehensive coverage without any caps or limits, including advance testing, surgeries, hospital stays, and prescription medications.

However, Petplan shines for its additional coverage. Unlike most providers, Petplan covers treatments for behavioral issues on all policies with an annual limit of $15,000, incorporating anxiety disorders such as traveling or separation anxiety, noise phobias, and destructive behaviors like house soiling. 

Petplan also has the most comprehensive coverage of dental injury and treatment of periodontal diseases including broken teeth, extractions, and advanced treatments such as a root canal, with no condition limits.

The company also covers holistic and alternative treatments for pets, such as acupuncture or chiropractic treatments as long as it is administered by a licensed veterinarian. 

Both compete in the benefits department. One major perk of Healthy Paws is that there are no caps on coverage – either annual, lifetime or per incident – regardless of the plan the owner chooses for their pet.

Many other providers offer unlimited benefits as their highest-level plan, whereas this is included in their standard price, making this one aspect of the company’s coverage that stands apart from the rest. Petplan has annual limits which can be set to $2,500, $5,000, $10,000, $15,000, $20,000, $25,000 or unlimited.

 Healthy PawsFetch
Pets Covered
Dogs
Cats
Dogs
Cats
Coverage Types
Medical
Medical
Vet Selection
Unrestricted
Unrestricted
Out-of-State Coverage
Yes
Yes
Commercial Pets Covered

Medical Conditions Covered

Healthy Paws
vs
Fetch
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Behavioral
  • Oral Disease and Injuries

Medical Treatments Covered

Healthy Paws
vs
Fetch
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Alternative Care
  • Holistic Care
  • Homeopathic Treatments

How do their benefit limits compare?

 Healthy PawsFetch
Benefit Limit Types
Unlimited
Annual

Reimbursement & Deductible Differences

 Healthy PawsFetch
Reimbursement Model
Actual Cost
Actual Cost
Minimum Percent Reimbursement
70%
70%
Maximum Percent Reimbursement
90%
90%
 Healthy PawsFetch
Deductible Type
Annual
Annual
Minimum Deductible Offered
$100
$250
Maximum Deductible Offered
$500
$500

Cost Comparison

Healthy Paws monthly premiums start at $32.83 for dogs and $17.19 for cats. The provider also offers discounts for AAA and AMAC members.

Petplan also offers similar discounts for partners such as AAHA, AARP, the National Police Dog Foundation, Best Friends Animal Society, as well as military personnel or medical service pets. 

On top of that, Petplan also offers No Claims Credit to their policyholders. This means that for each consecutive 12 months a pet has been insured and has gone without a claim, a 2% credit is awarded to the customer at renewal, up to a maximum credit of 10%.

Petplan’s monthly premiums start at $19.66 for both dogs and cats. However, it’s worth noting that the actual price of a policy will vary from pet to pet, based on breed, age, and other factors. Additionally, some providers are better for dogs versus cats

Starting Monthly Premiums

 Healthy PawsFetch
Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$32.83
$19.66
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$17.19
$19.66
Rate Details: Annual Deductible: $500, Benefit Cap: Annual & Unlimited, Reimbursement Model: 70% of Annual Cost
Rate Details: Annual Deductible: $300, Annual Coverage: $10,000, Reimbursement Model: 80% of Actual Cost for zip code 76006 for a small mixed-breed puppy or domestic shorthair kitten.
Available Discounts:
Available Discounts: Up to 10% discounts for shelter adopters, rescue adopters, veterinarians, veterinary employees, active military and veterans.

Compare Enrollment & Waiting Periods

 Healthy PawsFetch
Min Enrollment Age
8 weeks
6 weeks
Max Enrollment Age
14 years
Accident Waiting Period
15 days
Illnesses Waiting Period
15 days
15 days
Free Look Period
30 days

Claims & Service

When it comes to claims, both companies have a relatively speedy turnaround.

Petplan claims payout time frame is 30 days, but can be less, especially when submitted on the company’s Petplan App or online.

This must be submitted within 90 days of treatment. Healthy Paws, on the other hand, has a proven track record of fulfilling claims quickly and with little fuss.

In fact, 99% of the company’s claims are processed in two days. Healthy Paws also offers the ability to file online or through their mobile app.

 Healthy PawsFetch
Advertised Response Time
3 days
Claim Form
Email
Fax
Online Portal
Mobile App
Mail
Email
Fax
Online Portal
Mobile App

Company Disclaimers


Contact & Additional Information

 Healthy PawsFetch
Homepage URL
Headquarters Address
11120 NE 33rd Place, Bellevue, WA, 98004
101 Greenwich Street, New York, NY, 10006
Mailing Address
P.O. Box 50034, Bellevue, WA, 98105
PO Box 1489, Bolingbrook, IL, 60440
Year Founded
2009
2003

Final Verdict

Fetch Pet Insurance and Healthy Paws Pet Insurance are very close in quality and have the same overall rating. That said, Fetch scores better than Healthy Paws across: Coverage, Benefit Limits, Deductibles, Reimbursement, and Extras. Whereas, Healthy Paws scores better on Cost, Reviews, and Enrollment.


Customer Comments & Reviews

M
Melisa C

10/30/2024
Healthy Paws Pet Insurance review
I've had Healthy Paws for my cat Figgy since 2017. Before I adopted her, I researched various options and felt healthy paws was the easiest for me to understand and communicated with online. They've helped with unexpected pet bills and in the five years with them my monthly rate has only increased by $10. Healthy Paws is amazing!


E
Emma

10/28/2024
Healthy Paws Pet Insurance review
Supported me a lot during this time when my cat had the bad anemia and needed to have blood transfusion as well as hospitalization. They proceed the claims very fast and ensure the 80% coverage with a reasonable deductible


B
Bernice D

8/14/2022
Fetch Pet Insurance review
Have had Petplan-now Fetch-since 2009 for many dogs. They have never denied a claim and we have had many many claims for all kinds of illnesses. We highly recommend-would not think of going elsewhere


mxschaff

12/5/2019
Fetch Pet Insurance review
Petplan insurance has never refused a claim or made me fight to get reimbursed for necessary pet care. Without Petplan I honestly don’t know if I could afford to care for my English Mastiff Bartleby. He has allergies and a joint issue. I would recommend getting Petplan as soon as you get a new furry family member.


D
David K

3/23/2015
Fetch Pet Insurance review
fast friendly. had no issues with getting doctor paid by PetPlan for several claims. one was about $4000. I only had to pay $200.


N
Natasha E

3/13/2015
Fetch Pet Insurance review
I've had PetPlan for years, I think around 8 years now and I cannot be happier with their coverage, speed of processing claims and the amounts that they cover and reimburse. They do not split hairs, and I never had a question or a doubt that they were not being fair in their reimbursements. I've had three cats covered through them, out of which one had to be put down due to acute renal failure and it cost in the ER hospital fees in thousands of $ (LA, CA). They paid me back everything, minus the deductible and up to 80% for the ER/specialty care. Then I adopted my second cat, who is still rather young, but he just had a second bout of pancreatitis in his short 5 years of live. He barely survived and the bill again was in thousands of $$$ for having to rush him in between an ER and ER Specialty hospital. PetPlan again covered a fair deal and sent me a check within 10 days. No questions asked. Fair coverage, happy customer and my cat pulled through, thankfully to this great insurance and even more so to the staff of the two hospitals that took a good care of him. Thank you PetPlan!


C
CJ M

2/7/2015
Healthy Paws Pet Insurance review
Regarding the online quoting system + let me include multiple pets on same quote - can't figure out how to pay an annual amount rather than monthly - they add $25 to the first payment for account set up =deal breaker


L
Lori S

1/17/2015
Healthy Paws Pet Insurance review
I've not actually had my pets covered under this insurer, but they are among the ones I obtained quotes from while shopping around. I have 2 cats; a 4 yr old male & a 12 yr old female. The female is actually in better health than the male, with his frequent UTIs, however because she is over 8 yrs old the best plan they will give me is a $500 deductible & 70% reimbursement, with various limitations. And at the same rate as the comprehensive plan for my male, which has a $100 deductible & reimburses at 90%.