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Paw Protect vs Fetch

Paw Protect vs Fetch: Verdict

Paw Protect and Fetch offer comprehensive coverage – including vet exam fees, dental, behavioral treatments, alternative therapies, diagnostics and euthanasia fees – and a 24/7 pet telehealth line. But Paw Protect has a major advantage because it can help you pay vet bills upfront, by sending its part of a covered claim straight to your bank account while you’re at the vet.

Here’s how the two insurers compare in more detail:

PawFetch
Can pay vet bills upfront
Annual coverage options$5000, $10,000, Unlimited$5,000, $10,000, $15,000
Deductible options$100, $250, $500$300, $500, $700
Reimbursement options70%, 80%, 90%70%, 80%, 90%
Illness coverage start14 days15 days
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)No maximum
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Fetch: Claims process

Many pet parents will know how stressful it can be to find the money upfront to pay a large, unexpected vet bill and then wait to get the money back from the insurance company. It can take weeks.

That’s where Paw Protect is different. If you have a policy with Paw Protect, you simply call them from the vet once you get your covered vet bill. Paw Protect can approve the claim while you’re on the phone, and then send the money to cover its share of the claim immediately to your bank account. You can then pay the bill, and the only bit you have to cover is your out-of-pocket expenses, which is the same as any insurer.

So let’s say you got a covered vet bill for $2,000, and you had a Paw Protect plan with 90% reimbursement and a $100 deductible. When you call Paw Protect and they’ve approved the claim, they would send $1,700 straight to your bank account. You would just pay the other $300.

With Fetch you’ll pay the vet bill, submit your claim and then wait for your reimbursement. The amount you have to pay out of your own pocket depends on the amount of coverage you choose.

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