Lemonade vs Fetch: which should you pick?
Fetch wins on breadth: dental disease and behavioral therapy are included in its base policy, which Lemonade sells only as add-ons, plus there is no accident waiting period at all. Lemonade wins on price (illustrative $28/mo for a dog versus $47/mo) and score (9.0 vs 7.6 for dogs, 9.2 vs 7.5 for cats) and pays up to $100,000 where Fetch lists caps to $15,000.
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 August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
The dental difference
Fetch genuinely covers dental illness in its base policy. With Lemonade the same protection requires stacking the dental illness add-on onto the base price, so compare configured totals rather than headlines before deciding.
Ceiling and speed
Lemonade’s configured limit reaches $100,000; Fetch lists $5,000 to $15,000 with higher limits available by contacting Fetch. On clocks, Fetch has no accident wait while official Lemonade accidents start at 0 days nationwide; both run about two weeks on illness.
Related questions
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Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.