Is Fetch pet insurance worth it?
Lemonade Pet is not sold in every state.
Fetch pet insurance is worth it for owners whose priority is coverage breadth on things most insurers exclude: Fetch covers dental disease and behavioral therapy, which most competitors exclude or sell separately. There is no accident waiting period from the effective date, matching Embrace. Listed annual caps top out at $15,000 (higher limits exist by contacting Fetch directly). Skip it if you need the largest off-the-shelf cap. Compare current quotes for price.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
What the price buys
Fetch stands out for coverage breadth rather than ceiling: dental disease coverage (most insurers exclude it or relegate it to a paid add-on) and behavioral therapy coverage, plus an optional Fetch Wellness add-on for routine care. Request a current quote for your pet and coverage choices.
Mechanics are conventional: deductibles from $250 to $2,500 (three recommended amounts shown at signup, others by contact), 70/80/90% reimbursement, and annual limits of $5,000, $10,000 or $15,000 listed, with higher limits available by contacting Fetch.
No accident wait from the effective date
Fetch has no accident waiting period from the policy effective date, matching Embrace, and illness coverage starts within up to 15 days. Compare that to 24 hours at Figo, no accident wait currently advertised by Lemonade (check your state policy), 3 days at Pets Best, and 5 days at Trupanion. If you are insuring right before an active, accident-prone phase (a new puppy, a sporting dog), that head start has real value.
When a competitor wins instead
On ceiling, Embrace and Spot both offer unlimited annual limits off the shelf against Fetch’s $15,000 top listed tier. Healthy Paws scores higher for dogs (9.3 vs 7.6) and offers unlimited payout. Compare current quotes before judging price.
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The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.