Healthy Paws vs. Fetch: Which Is the Best for Your Pet? (2025)
Despite higher average premiums, Fetch’s quick claims process and extensive coverage options make it stand out over Healthy Paws.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Table of contents
Healthy Paws and Fetch are two major pet insurers. Healthy Paws has lower average premiums and offers unlimited annual coverage, but Fetch may be a better choice. Pet owners with Fetch can benefit from a quick claims process and added benefits, like wellness plans, reimbursement for behavioral therapy, and online vet visits.
When pets need unexpected medical care, it can be expensive. Emergency veterinary bills can be in the thousands. Pet insurance can help with the cost, but choosing the right insurance company is important.
Here’s what you should know about coverage offerings, costs, and more from Fetch and Healthy Paws.
Quick Facts
Both companies offer accident and illness policies for dogs and cats, but Fetch also has additional wellness coverage.
Fetch has a higher customer service rating than Healthy Paws on Trustpilot.
Healthy Paws and Fetch both offer claims filing via mobile apps.
Healthy Paws vs. Fetch: The verdict
Both Fetch and Healthy Paws are well-known companies in the pet insurance industry. Healthy Paws offers unlimited annual coverage, and its rates tend to be significantly lower than Fetch’s premiums. That said, Fetch beats out Healthy Paws in the following ways:
Wellness plans: Healthy Paws offers only accident and illness policies, but Fetch allows pet owners to purchase a wellness plan to cover routine or preventative care expenses.
Claims: With Fetch’s mobile app, policyholders can submit a claim and receive reimbursement in as little as two days.
Vet exam fees: Unlike Healthy Paws, Fetch’s policies cover vet exam fees for covered issues.
Healthy Paws vs. Fetch
 |  |
|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 50%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% |
Payout limits The maximum amount your provider will pay for covered events. Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$15,000 |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $300–$700 |
Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.
Healthy Paws
Healthy Paws
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Healthy Paws initially launched in 2009, but Chubb, a major insurance company, acquired it in 2024.[1] Healthy Paws is now the fifth-largest pet insurance company in the country by market share.
Pros
Unlimited annual coverage with no caps
Flexible reimbursement rates and deductibles
Quick claims processing
Cons
Premiums can be higher, especially for senior dogs
Limited coverage for certain conditions
No wellness or preventive care options
Fetch
Fetch
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Fetch previously operated as Petplan, but it rebranded with a new name and logo in 2022.[2] The company has an outstanding reputation for customer service, with a rating of 4.5 out of 5 stars on Trustpilot.
Pros
Comprehensive coverage without the need for add-ons
No enrollment fee and the ability to cancel at any time
Access to any licensed veterinarian in the U.S. and Canada
Cons
Six-month waiting period before hip and knee injuries are covered
Doesn’t include routine and preventive care coverage
No accident-only coverage options
How Healthy Paws and Fetch compare
Healthy Paws and Fetch both offer reliable coverage for your pet, but the companies differ in several ways. Learn more about how costs, coverages, exclusions, claims, and customer reviews compare.
Cost of pet insurance policies
The cost of your pet insurance policy depends on several factors, including your location, policy details, your pet’s age, and its breed.[3] The best way to understand how premiums vary by company is to compare quotes from multiple insurers.
Coverage from Fetch is generally more expensive than coverage from Healthy Paws. Fetch policyholders pay an average of $57 per month for dog insurance and $22 for cat insurance. On average, pet insurance from Healthy Paws costs $44 per month for dogs and $21 for cats.
Healthy Paws’ policies include unlimited annual coverage, while Fetch’s policies have a maximum of $15,000 per year.
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Coverage and plan features
Fetch and Healthy Paws sell accident and illness policies, providing coverage for unexpected emergencies like broken bones, wounds, or cancer.[4] Like other pet insurers, Fetch and Healthy Paws don’t cover pre-existing conditions. But they do cover hereditary or chronic conditions.
Both pet insurance companies cover diagnostics, surgeries, and other treatments. But Fetch offers the following coverages that Healthy Paws doesn’t, including wellness coverage. Fetch provides additional coverage for dental disease and care, online vet visits, canceled vacations due to pet illness or injury, advertisements for lost pets, stolen or lost pets, and pet death.[5]
The following table showcases some of the key features of Fetch and Healthy Paws policies. Learn more about how they compare below.
Feature | Healthy Paws | Fetch |
|---|---|---|
| Vet exam fee coverage | No | Yes |
| Coverage for alternative or complementary therapies | Yes | Yes |
| Wellness coverage | No | Yes |
| Mobile app | Yes | Yes |
| Mobile claims-filing | Yes | Yes |
| Direct vet pay | Yes, in limited circumstances | No |
| 24/7 pet helpline | No | No |
| Online policy management | Yes | Yes |
| Live customer support | Yes | Yes |
Policy exclusions
Pet insurance policies usually have waiting periods. If your pet develops a health condition during that time, your policy will exclude coverage for it. Healthy Paws has waiting periods of 15 days for injuries and illnesses and 12 months for hip dysplasia. That said, Healthy Paws doesn’t cover hip dysplasia in pets enrolled at the age of 6 or older.
Fetch has a waiting period of 15 days for injuries and illnesses. But it has a 180-day waiting period for orthopedic conditions, such as hip dysplasia.
Neither company has an upper age limit, but Healthy Paws does have more limited deductible and reimbursement options for senior pets.
Claims process
The standard claims process for pet insurance is to submit a claim after you’ve paid for your pet’s treatment and then wait for reimbursement. Both Healthy Paws and Fetch use this method to handle claims.
Fetch encourages customers to use its mobile app. You have a 90-day window for claims after your pet receives treatment. If you submit the claim and the necessary documents through the app, you could receive your reimbursement via direct deposit in as little as two days.
With Healthy Paws, you can submit a claim online or through the mobile app. You can choose to receive your reimbursement payouts via direct deposit or a mailed check.
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Customer reviews
Fetch has better customer reviews than Healthy Paws. On Trustpilot, Fetch has a score of 4.5 out of 5 stars, based on more than 5,000 reviews. Customer reviews cite good experiences with customer service representatives, noting their helpfulness and empathy.
Healthy Paws has a rating of 3.6 out of 5 stars, based on more than 2,600 reviews. Several reviews noted that the company is slower in handling claims than it used to be and that wait times to speak with customer support tend to be longer.
Healthy Paws vs. Fetch FAQs
If you’re researching the best pet insurance companies, the following information may help you make a decision between Healthy Paws and Fetch.
Is Healthy Paws better than Fetch pet insurance?
Healthy Paws doesn’t offer the same coverages and extra benefits that Fetch does. But if you don’t mind trading fewer coverage options for cheaper premiums, Healthy Paws may be a good choice for you.
What are the main differences between Healthy Paws and Fetch?
The biggest differences between the two insurers are cost and preventative care. Healthy Paws tends to be less expensive than Fetch, but it doesn’t have a wellness plan. Fetch has a wellness plan and other benefits like reimbursement for online vet visits.
Which company offers the cheapest pet insurance?
Healthy Paws is usually cheaper than Fetch for both dogs and cats, based on the pet insurance quotes we pulled. Fetch was significantly more expensive for certain breeds, such as French bulldogs.
What is the waiting period for Healthy Paws?
The waiting period for Healthy Paws pet insurance is 15 days for injuries and illnesses and 12 months for hip dysplasia. If you enroll your pet at the age of 6 or older, it won’t be eligible for hip dysplasia coverage.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- Chubb. "Chubb to Acquire Healthy Paws, a Leading Pet Insurance Provider."
- Fetch. "Is Petplan now Fetch Pet Insurance?."
- National Association of Insurance Commissioners. "Pet Insurance."
- Healthy Paws. "Pet Insurance plans to protect your pet, and your finances."
- Fetch. "What does pet insurance cover?."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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