Fetch vs Healthy Paws pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Healthy Paws has an unlimited annual limit option; Fetch tops out at $10,000.
- Exam fees: Fetch — covered; Healthy Paws — not covered.
- Dental: Fetch — injury & disease; Healthy Paws — accidents only.
Side by side
| Feature | Fetch | Healthy Paws |
|---|---|---|
| Plan | Accident & Illness | Accident & Illness Plan |
| Price level | $$ Mid-range | $$$ Premium |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | $10,000 | Unlimited |
| Deductible | Annual | Annual |
| Exam fees | Covered | Not covered |
| Dental | Injury & disease | Accidents only |
| Pays vet directly | No | No |
Show all rows
| Feature | Fetch | Healthy Paws |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | none | 15 days |
| Illness wait | 15 days | 15 days |
| Orthopedic wait | 6 mo | 12 mo |
| Wellness option | Yes | No |
| Multi-pet discount | None | None |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | No maximum enrollment age. | New policies up to age 13. |
| Availability | Sold in every state. | Sold in every state. |