Healthy Paws vs Fetch: Who Comes Out On Top?

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Two dogs sitting (Caption: Healthy Paws vs Fetch by The Dodo logos)

Pet insurance is essential for all responsible pet owners. It prepares you financially to deal with any unexpected (and expensive) accident or illness. This is why we regularly review the top pet insurance companies to find out who comes out on top.

This time, we’re putting two big name insurers in the ring, Healthy Paws vs Fetch by The Dodo, to see which plan is a better value and the best fit for you and your pup.

Visit Healthy Paws’ Website Visit Fetch’s Website

Healthy PawsFetch
Policy CoverageMore LimitedExtensive
Customer Service & ReputationExcellent, StableUncertain, New
Claim Processing Average2 Days12-22 Days
Price Of PolicyHighly VariableHighly Variable
Plan CustomizationsRestricted OptionsMany Options
Overall WinnerOrange X (No or Not)
 Visit WebsiteVisit Website

Dog under covers (caption: Policy Coverage Winner)Policy Coverage

The table below shows specifically what Healthy Paws and Fetch cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

Healthy PawsFetch
Illness Waiting Period15 Days15 Days
Accident Waiting Period15 Days15 Days
Hip Dysplasia Waiting Period12 Months6 Months
CCL Surgery Waiting Period15 Days6 Months
Behavioral TherapiesOrange X (No or Not)Brown checkmark (Yes)
Alternative/Holistic TherapyOrange X (No or Not)Brown checkmark (Yes)
Wellness Care For An Extra FeeOrange X (No or Not)Orange X (No or Not)
Exam FeesOrange X (No or Not)Brown checkmark (Yes)
UnderwriterWestchester Fire Insurance Company/ChubbXL Specialty Insurance Company
AXIS Insurance Company
A.M. Best RatingA++A+
A

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of six.

As you can see, Healthy Paws has shorter waiting periods for most conditions (except hip dysplasia), but Fetch covers behavioral therapies, alternative/holistic therapy, and exam fees.

You’ll notice that Healthy Paws has an A++ A.M. Best rating (a measurement of financial stability), which is the best we’ve seen from any pet insurance company. Fetch’s underwriters have an A+ and A rating, which is excellent as well.

Another key deciding factor for you may be the age restrictions attached to Healthy Paws, which doesn’t enroll pets older than 14 years old (no new enrollment for pets older than four in New York state). And if you choose to enroll your pet with Healthy Paws after their sixth birthday, you’ll notice plan customization restrictions and exclusions for hip dysplasia coverage.

Overall, we feel Fetch has better coverage than Healthy Paws. In fact, Fetch offers coverage for items that aren’t typically covered by a pet insurance company, including virtual vet visits, advertising and paying a reward for a stolen or lost pet, and more.

Policy Coverage Winner: Fetch

Customer Service & ReputationPerson holding phone next to dog: Customer Service Winner

Healthy Paws has excellent customer service and has offered stability in the pet insurance space since its inception.

While the Fetch brand has only been a consumer option since January 2022, the former brand name went through an underwriter change in 2016 that resulted in sharp price increases and upset customers. It’s not uncommon to see price adjustments when an insurance company switches underwriters. The company received a lot of negative backlash with this change. However, it has mostly bounced back since then, and negative reviews have subsided, but we will be interested to see how the rebranding and new partnership with The Dodo affect customers.

We like the consistency that Healthy Paws has shown in the pet insurance space. We’d like to see how Fetch fares through its rebranding efforts. Often, we see companies go through turbulence when making a significant change, and because of this, Healthy Paws wins this category.

Healthy Paws logo with tagline

Customer Service & Reputation Winner: Healthy Paws

Claim ProcessingDoctor's office papers and stethoscope (text in image: claim repayment winner)

Fetch averages 12-22 days for claim processing but allows up to 30 days. Healthy Paws processes most claims in two days. Healthy Paws is significantly better here with a max timeline of 10 days, which is why it wins this category.

You may be able to have Healthy Paws pay your vet directly, so you don’t have to afford a hefty vet bill in advance and wait for reimbursement, but this isn’t available everywhere, so check with your vet to see if it’s an option for you. Fetch doesn’t offer this option.

Healthy Paws logo with tagline

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money (text in image: pricing winner)

Healthy Paws requires a one-time fee of $25, while Fetch has no one-time fees.

Your premium price quote is based on your pet’s details (age, breed, location, etc.). We recommend obtaining quotes from each company for your specific pet. You can also visit our pet insurance comparison quotes to see a few sample prices we’ve gathered. Then use our pet insurance quote form to see how other top companies compare for your beloved pet.

It’s a bit of a mixed bag on which company is less expensive and depends on the coverage details you select. On average, Healthy Paws is less expensive than Fetch for unlimited payouts (the only option offered by Healthy Paws). However, Fetch may offer lower prices for $5,000 or $10,000 annual payouts if you don’t require unlimited payouts.

Remember that it’s always best to get quotes for your specific dog to compare what pet insurance could cost for you. You can use our pet insurance quote form to get multiple company quotes when you complete this one-quick form. To see more quote examples, take a look at our pet insurance comparison page.

Healthy Paws logo with tagline

Both companies have annual deductibles, which is important if your pet experiences multiple accidents or illnesses during the policy period (one year).

Price Of Policy Winner: Healthy Paws

Coupons

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

Fetch

Fetch offers the following discounts: 

  • 10% off the first year for new customers
  • Up to 10% off for animal shelter adoptees and employees, corporate benefit plans, medical services pets, strategic partners, military, veterinary staff, and students
  • 15% off for each consecutive 12-month period without a claim
  • 10% off premiums for Walmart shoppers

No promo code is needed. Use this link to take advantage of the best possible price. Alternatively, call 800-237-1123. You can also visit our dedicated Fetch promotions page to learn more.

Plan Customization

Several types of dogs sitting together (Caption: Plan Customization)

The significant difference between these two companies in your ability to customize your plan comes down to age restrictions. While Healthy Paws has unlimited payouts for all plans, they do have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Healthy Paws only enrolls pets from 8 weeks to 14 years old. Fetch has no age restrictions and offers a lot of customizable options. You can choose your annual payout option from $5,000, $15,000, or unlimited. Fetch also offers reimbursement rates of 70%, 80%, or 90% and annual deductibles of $250, $300, and $500.

Fetch ultimately comes out on top because of greater flexibility to build your plan no matter your pet’s age.

Plan Customization Winner: Fetch

When Does Pet Insurance Matter?

Six million dogs and six million cats are diagnosed with cancer every year, according to estimates. See how Healthy Paws pet insurance helped Baxter get much-needed cutting-edge treatment for his cancer.

What’s The Verdict?

In the end, Healthy Paws is our winner, but Fetch puts up a great fight with excellent coverage and customer service. As always, we suggest you run quotes for your specific pet and location. If you didn’t find what you were looking for, our experts have gone in-depth with individual reviews of Healthy Paws and Fetch so you can expand your comparison.

Healthy Paws logo with tagline

Overall Winner: Healthy Paws

There are other pet insurance companies out there beyond these two. Our experts have spent hundreds of hours researching to bring you our comprehensive pet insurance reviews, including our top picks as well as details of the most popular pet insurance companies.

If you prefer to see winners by category, we award the best price, multiple pets, 100% reimbursement, unlimited payouts, and “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, and more in our best pet insurance comparison. You’ll even see winners for exotic pets and cats.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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