Paw Protect vs Fetch

Paw Protect vs Fetch: Verdict

The biggest difference between Paw Protect and Fetch is Paw Protect offers customers an optional $2,000 interest-free line of credit to help pay vet bills* up-front, through a virtual Visa card from Paytient. With Fetch, you have to pay vet bills yourself out of your own pocket, then claim the money back.

Both insurers offer comprehensive coverage – including vet exam fees, dental, behavioral treatments, alternative therapies, diagnostics and euthanasia fees – and a 24/7 pet telehealth line.

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

Pet insurance without paying vet bills* up-front
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%
Coverage start2 days accident,
14 days illness
15 days
Maximum age at sign-up14 years accident and illness,
15+ accident only
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

Paw Protect gives all customers the option of applying for a $2,000 interest-free line of credit via a virtual Paytient Visa card to pay covered vet bills* up-front. If approved, you can use any claim reimbursement to pay down your Paytient balance and pay your deductible and copay on a schedule up to 12 months that suits your needs – interest-free.

  • To claim money back, simply submit your pet’s covered vet bill to Paw Protect via its app, online, by email or through the mail
  • If approved, you’ll receive your insurance payout and you can pay down your Paytient balance, minus any deductible or copay
  • You can schedule interest-free payments to pay back those out-of-pocket expenses over up to 12 months

With Fetch you’ll need to find the money for the bill up front, either from your savings or by borrowing. With 56% of Americans saying that they’d struggle to pay an unexpected $500 bill, this could be tricky.