Fetch by The Dodo vs. Healthy Paws: Coverage, Costs & Features

Treatment covered Pick up by the Dodo Healthy paws
Exam fees
Procedures
Laboratory tests
Medication
Continuous processing
Genetic conditions
Preventive care
microchip
Sterilization surgery
Vaccination
dental treatment
Behavioral treatment
Specialists
Alternative/holistic care
Medical pension
Cremation/burial


Fetch vs. Healthy Paws: Registration Process

Signing up for coverage with Fetch and Healthy Paws is quick and easy with convenient online quoting tools. Simply visit either provider’s website, enter your pet’s information, and select the coverage that best suits your needs and budget. If you find a policy you like, just enter your payment information and you’ll be signed up.

Healthy Paws requires pet parents to submit proof of a recent veterinary exam when purchasing coverage, while Recovery only requires that they waive certain waiting periods. These records are used to identify any conditions that would be considered pre-existing under your policy.

Healthy Paws requires an exam within 12 months of the start date of coverage (30 days if your pet is six or older at the time of enrollment). If you have no records for this period, you will be asked to schedule a visit to the vet within 15 days or your policy will be void.

Age is definitely a consideration when purchasing coverage with Fetch or Healthy Paws. Both providers limit options for pets after a certain age. With Healthy Paws, pets enrolled after their sixth birthday are only eligible for a policy with unlimited annual benefits, 70% reimbursement and a $500 deductible. No pets are allowed to register after the age of 14. Fetch limits pets ages 10 and older to a policy with $15,000 annual benefits, 70% reimbursement and a $750 deductible, although there is no maximum age limit for registration.


Fetch vs. Healthy Paws: Claim Filing

Fetch and Healthy Paws both offer digital claim filing experiences. With Healthy Paws, you can either upload invoices to the provider’s website or take photos with your smartphone and submit them directly through a mobile app. The processing time is extremely fast; almost all complaints are processed within 48 hours.

Fetch also accepts complaints through its website and mobile app. The company doesn’t give a concrete timeline for the refund, simply stating that most requests are processed within days. Don’t delay too long – claims are only accepted within 90 days of the date of processing.


Fetch vs. Healthy Paws: Reviews

As one of top rated pet insurance companies, Healthy Paws easily outperforms Fetch among third-party reviews. As you would expect, the most common comment for Healthy Paws is praise for the supplier’s quick turnaround time for claims.

The most common complaint for Fetch is that rates rise sharply as animals age. This makes customers feel trapped with the company because if they switch to a cheaper insurer, any conditions their animal has ever been treated for under Fetch will be considered pre-existing and will not be covered.

Healthy Paws also scores better than Fetch when it comes to financial stability, but not by much. AM Best gives Healthy Paws subscriber Chubb the highest rating of “A++” (Superior). Fetch’s primary underwriter, XL Specialty Insurance Company, receives an “A+”, which is still considered a superior rating.


Fetch vs Healthy Paws: Costs

Fetch and Healthy Paws price their policies within a comparable range. The main difference is that Healthy Paws gives you a lower and higher deductible annual limit for the same price, while Fetch covers a wider range of costs, including exam fees, dental treatment, and trip cancellation.

To give an example, we compared premiums between the two providers for an accident and sickness insurance policy with no annual limit, 80% coverage and a $250 deductible. The cost of insuring a two-year-old medium-sized dog in Dallas, Texas was just $33.16 a month with Healthy Paws, but Fetch’s policy was more than 50% more expensive at $52. $.33 per month.

A final cost consideration is that Fetch has a minimum monthly premium of $20.16. You will not be able to buy a policy for less than this amount, even if you choose a smaller annual limit, a higher deductible or a lower level of reimbursement. If the company’s online quote tool returns this value, try increasing the coverage to see if you can get better policy terms for the same price.

Pick up by the Dodo Healthy paws
Dog: 1 year $20.16 to $45.65 $20.33 to $43.08
Dog: 3 years $20.16 to $57.86 $23.74 to $50.37
Dog: 6 years old $20.16 to $98.86 $34.11
Dog: 12 years old $160.46 $155.74
Cat: 1 year $20.16 $8.01 to $17.04
Cat: 3 years $20.16 to $24.17 $9.36 to $19.93
Cat: 6 years old $20.16 to $40.38 $13.74
Cat: 12 years old $40.90 $61.31


FAQs

What is a fetch and healthy legs?

Fetch and Healthy Paws are two popular pet insurance companies. Pet insurance is a solution for pet owners who want to ensure that their pet’s veterinary costs will be covered in the event of a medical emergency.

How do recovered and healthy paws work?

Fetch and Healthy Paws both offer Simplified Accident and Sickness policies, a type of pet insurance that helps pay for veterinary bills if your furry family member gets sick or injured. Depending on the policy, each company will reimburse 70% to 90% of eligible expenses up to a certain annual limit after you reach your deductible.

Who should use Fetch or Healthy Paws?

Fetch and Healthy Paws each provide value in different ways. For better coverage of basic veterinary expenses, Healthy Paws is the way to go; you’ll get a higher limit and a smaller deductible compared to a Fetch policy at the same price.

Fetch compensates for this shortcoming by covering a wider range of costs. If you want to avoid paying exam fees out of pocket with every visit to the vet, opt for Fetch over Healthy Paws. Frequent travelers should also consider Fetch for the $1,000 trip cancellation coverage included with every policy.


How We Evaluated Fetch vs Healthy Paws

We rate pet insurers like Fetch and Healthy Paws using a standardized rating method. Our quantitative analysis assigns ratings on a scale of 1 to 5 in categories such as types of coverage, limitations, prices, quality of service, and more. We use a weighted average of these scores to compare providers and help you choose the best coverage for your pet.

Learn more: Read our full Pet Insurance Review Methodology Here.


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