Fetch vs. Healthy Paws pet insurance: coverage comparison

Q: Does Healthy Paws cover vet exam fees?

Healthy Paws does not cover veterinarian exam fees. Since sick-visit exam fees can cost up to $250 for a single visit, that means you’d have to pay for it all yourself. Fetch covers the full sick visit — including exam fees.

Q: Can I use any vet with Fetch and Healthy Paws pet insurance?

You can use any vet in the U.S. and Canada with both Fetch and Healthy Paws. However, you cannot enroll in Healthy Paws if you live in Canada. Fetch covers dogs and cats living in all 50 states and most of Canada.

Q: How do customer reviews compare to Fetch Pet Insurance and Healthy Paws?

Fetch consistently ranks higher than Healthy Paws in reviews from pet parents. Fetch is rated ‘Excellent’ on Trustpilot, with a 4.6 rating (out of 5) based on 6,000+ reviews. (Healthy Paws, meanwhile, has a 4.1 rating.) Fetch is also ranked higher than Healthy Paws on both app stores with 4.8 (out of 5 stars) on Apple and 4.7 (out of 5 stars) on Google.

Is Fetch or Healthy Paws the better pet insurance?

Fetch is simply better — it reimburses pet parents for more injuries, illnesses and treatments than Healthy Paws. Take dental disease, for example, it’s the most common illness in dogs and cats. It isn’t covered at all with Healthy Paws. Other gaps you'll find in their coverage include:

Healthy Paws doesn’t reimburse 100% for behavioral therapy. Fetch does.
Healthy Paws doesn’t reimburse 100% on hundreds of qualifying pet meds.^†Fetch does.
Healthy Paws doesn’t cover sick-visit exam fees. This coverage comes standard with Fetch.

Get your price

Fetch covers what Healthy Paws does not — from dental to exam fees & more

Find out what Healthy Paws doesn't include in their limited coverage. All of this is covered with Fetch — the most complete pet insurance.

Compare Fetch to Healthy Paws
$1,000/yr. in online vet visits $0 copay! $0 deductible!
$1,000/yr. in behavioral therapy $0 copay! $0 deductible!
Online pharmacy. 100% reimbursement^†
Every tooth, plus gums up to your max limit
Sick-visit exam fees

†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.

More coverage comes standard with Fetch vs. Healthy Paws

$1,000/yr. in online vet visits with 100% reimbursement — no copay, no deductible, no additional costs

Fetch includes 24/7 remote telehealth treatment, so you can call, text, email or video chat with any televet provider. Online vet visits are covered up to $1,000 a year.
Healthy Paws only works with one telehealth provider.

100% reimbursement for behavioral therapy with Fetch

Fetch covers up to $1,000 in pet behavioral therapy a year. You get 100% reimbursement on this coverage. That means there’s no copay and no deductible.
Healthy Paws does not cover behavioral therapy.

Michelle & Pablo

Behavioral treatment:

$2,466

Fetch paid back:

$1,853

100% reimbursement on meds with Fetch Pet Rx

Fetch reimburses 100% of your out-of-pocket expenses on hundreds of qualifying pet medications†. Just order from our online pharmacy, Fetch Pet Rx.
Healthy Paws does not reimburse 100% of your pet’s medication costs.

43%

of dog and cat parents give their pets medications on a daily basis

Fetch covers every adult tooth & your pet’s gums from injury and disease

Fetch provides full-mouth dental coverage for accidents and illnesses, so your pet’s teeth and their gums (think: gingivitis) are completely protected. Plus, you get complete coverage for periodontal disease — the most common disease in dogs and cats — oral tumors, trauma and more.
Healthy Paws doesn’t have any coverage for periodontal disease. Their limited dental coverage only includes the extraction and reconstruction of damaged teeth caused by an accident.

Healthy Paws does not cover sick-visit exam fees, so you’ll pay 100% of that fee every time

Fetch covers the full sick visit — including exam fees, saving you up to $250 each visit.
Healthy Paws doesn’t cover exam fees at all. So every time your dog or cat sees the vet when they’re sick or hurt, you’ll pay that fee. This is on top of costs for tests, treatments, scans and more.

7 in 10

pet parents who forgo veterinary care cite financial reasons

Get your price

Healthy Paws excludes coverage & benefits that are included with Fetch

Compare Fetch to Healthy Paws
Covers pets of every age 6+ weeks
Covers hip dysplasia in dogs 6+ years
Vitamins & supplements
$1,500+ in instant savings on top brands^*

*Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. Comparison of online pharmacy and discounts on pet products & services based on each provider's website as of Dec. 2025. Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.

Fetch helps you give your pet a longer, healthier life & save more money along the way

Fetch Members get exclusive savings on everyday pet products & services

Shop favorite food, treats, litter, grooming supplies and more with Fetch Deals. Your exclusive savings start the day you enroll — no waiting.
Healthy Paws doesn’t have a perks program, so you’ll save $0 on your pet’s favorite things.

Fetch Deals

Food & treats

Essentials

Toys & more

Coverage for vitamins & supplements is included with Fetch

Fetch covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
Healthy Paws doesn’t cover vitamins and supplements. So if your vet recommends these, you’ll have to pay for them yourself.

53%

of dog parents give their pets
vitamins or supplements

Fetch covers breed-specific conditions, including hip dysplasia

Fetch covers hereditary and congenital conditions with no upper age limits. Not all providers do.
If you’re enrolling a pet that's 6 years or older and they develop hip dysplasia, Healthy Paws won’t cover it.

Get your price

See how Fetch puts more money back in your pocket vs. Healthy Paws

It's more affordable to give your pet the care they need, when they need it with Fetch.

You’ll get $0 back with Healthy Paws for:

Sick-visit exam fee
Cost: Up to $250
Fetch reimburses up to $225
Healthy Paws reimburses $0
Cost based on Fetch claims data.
Behavioral therapy vet session
Cost: Up to $400
Fetch reimburses up to $360
Healthy Paws reimburses $0
Cost according to AARDY.
Periodontal disease treatment
Cost: $1,389 (on avg.)
Fetch reimburses up to $1,250
Healthy Paws reimburses $0
Cost based Fetch claims data.

Get your price

How pet insurance claims work: It’s easy to get reimbursed with Fetch

1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.ce during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.

Get your price

Bailey & Ruth

Cruciate ligament tear costs:

$7,422

Fetch paid back:

$5,638

Get your price

Fetch Wellness offers coverage for the routine care that keeps your pet healthy

Fetch gives you the most complete coverage for pet injuries and illnesses — the things you can’t see coming. Add an optional Fetch Wellness plan, and you’ll also get money back for the routine & preventive care that helps keep your best friend healthy. This includes annual exams, dental cleanings, vaccinations and more. With both, you'll be better prepared to help give your pet a longer, healthier life and get paid back for vet bills.

Healthy Paws does not have wellness coverage at all.

Explore coverage

Fetch has thousands of 5-star reviews on Trustpilot

Fetch is rated ‘Excellent’ on Trustpilot, with a 4.6 rating (out of 5) based on 6,000+ reviews from pet parents. (Healthy Paws, meanwhile, only has a 4.1.)

Questions about how Fetch compares to Healthy Paws, answered

Is Fetch or Healthy Paws better for dogs?

Fetch is the better choice for dogs because it covers what Healthy Paws does not. Healthy Paws’ plan doesn’t cover sick-visit exam fees. It also doesn’t cover behavioral therapy (over 95% of dogs will experience behavioral problems, like anxiety or aggression) or complete dental coverage (up to 90% of dogs have gum disease). Fetch covers all that and more, plus it’s the best pet insurance at the best price for puppies.

Does Healthy Paws cover dental cleanings or dental disease?

Healthy Paws’ dental coverage is very limited and does not include dental cleanings or dental disease. It only covers extraction and reconstruction of damaged teeth caused by an accident. Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums, and our full-mouth coverage gives you up to 90% reimbursement for periodontal disease — the most common disease in dogs and cats — and other dental injuries and illnesses.

Does Healthy Paws cover vet exam fees?

Does Healthy Paws cover routine care or wellness visits?

Healthy Paws doesn’t cover any routine care. With Fetch, you can add on Fetch Wellness to get coverage for the routine & preventive care that helps keep your pet healthy, like annual exams, dental cleanings, vaccinations and more. With Healthy Paws, you don’t even have the option to add wellness coverage — so you’ll be responsible for paying all of your pet’s routine care costs without any reimbursement.

Which pet insurance is best if my dog has a pre-existing condition?

Neither Fetch nor Healthy Paws cover all pre-existing conditions. No pet insurance does. A pre-existing condition is defined as any injury, illness or condition that you or your veterinarian notice either before you enroll in insurance or during the waiting period of up to 15 days. These conditions will be noted in your pet's veterinary medical records. Any claims for treatment related to a pre-existing condition will not be covered — unless it’s a curable pre-existing condition. Fetch covers curable pre-existing conditions.

Can I use any vet with Fetch and Healthy Paws pet insurance?

How does Fetch Pet Insurance compare to Healthy Paws for cats?

Fetch is the superior insurance for cats because its coverage is far more complete than what Healthy Paws offers. Over 49% of cat parents pay at least one sick-visit exam fee per year, and since those are covered with Fetch you’ll have one less thing to worry about if your cat needs to go to the vet. With Fetch, you also have up to $1,000 to treat behavioral issues — like urine marking, aggression or anxiety — with no copay and no deductible. Healthy Paws doesn’t cover any of this.