Fetch vs Lemonade
Lemonade scores 9.0 against Fetch at 7.6 in our rankings. Fetch covers conditions that some others exclude: dental disease and behavioral care are genuinely covered, where Lemonade's dental is thin. Fetch also has no accident waiting period, while Lemonade currently advertises no accident wait once the policy takes effect; check your state policy. Choose based on the coverage you need, then compare current quotes at the same settings.
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 LemonadeSide by side
| Fetch | Lemonade | |
|---|---|---|
| Editorial score (dogs) | 7.6/10 | 9/10 |
| Annual limit | $15k | $100k |
| Deductible | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) | Fully customizable, $100 to $750 (up to $1,000 on some policies) |
| Reimbursement options | 70%, 80% or 90% | 70%, 80% or 90% |
| Accident wait | No waiting period from the policy effective date | Current marketing: no accident wait from the effective date, at 12:01 AM the day after purchase. State and policy terms can differ; check your policy |
| Illness wait | Up to 15 days | 14 days |
| Orthopedic / cruciate wait | None listed | Current marketing: 30 days, including cruciate injuries. The general FAQ also describes policies with a 6-month cruciate wait; your state and policy documents control |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Compare current quotes for the same pet and ZIP code, using the same deductible, reimbursement rate, annual limit, and add-ons. Older catalog price examples do not establish which insurer costs less today.
Pre-existing conditions
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Lemonade: Base accident-and-illness coverage excludes conditions that showed signs before enrollment or during the waiting period. In most states, temporary or curable pre-existing conditions or injuries can be covered again after 12 consecutive months without recurrent symptoms or continued treatment. Chronic conditions and knee or ligament conditions cannot be covered as curable pre-existing conditions. Where offered, the separate Dental Care add-on covers pre-existing dental conditions; Dental Illness excludes them. The end-of-life add-on can cover vet-recommended euthanasia due to a pre-existing condition, subject to its terms.
Choose Fetch if
Your pet is older, or dental disease is a real risk for your breed. Fetch covers dental disease and behavioral care that most insurers exclude, and it has no accident waiting period from the effective date. The tradeoffs: the top listed annual limit is $15,000 (higher by request only), so compare that limit with the care you might need.
Choose Lemonade if
You want to configure add-ons for a young pet. Just confirm Lemonade sells in your state first, and note the 30-day orthopedic wait currently advertised for new coverage (check your state policy).
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
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Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.