Lemonade vs Fetch: which should you pick?
Lemonade Pet is not sold in every state.
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. Lemonade scores higher (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. Compare current quotes at matched settings 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.
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.
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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.