Fetch vs Lemonade
Lemonade wins on price and score: illustrative dog premiums start around $28/mo versus $47/mo for Fetch, and Lemonade scores 9.0 against 7.6 in our rankings. Fetch justifies its higher price with coverage 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 makes you wait 2 days in most states. For a young healthy pet on a budget, Lemonade. For an older dog where dental disease is a when, not an if, Fetch is worth the premium.
Side by side
| Fetch | Lemonade | |
|---|---|---|
| Editorial score (dogs) | 7.6/10 | 9/10 |
| Illustrative starting price | dogs from $47/mo, cats from $27/mo | dogs from $28/mo, cats from $16/mo |
| 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 | 2 days (0 days in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA) |
| Illness wait | Up to 15 days | 14 days |
| Orthopedic / cruciate wait | None listed | 30 days for orthopedic conditions generally, 6 months for cruciate ligament events specifically |
| Wellness add-on | Available | Available |
| Direct vet pay | No, reimbursement only | No, reimbursement only |
Starting prices are illustrative estimates for a healthy one-year-old animal, not quotes. Your real premium depends on breed, age, ZIP code, deductible and reimbursement rate.
Pre-existing conditions
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Lemonade: Not covered, standard exclusion for anything showing signs before enrollment or during the waiting period.
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), and the price sits mid-table with a middling cap.
Choose Lemonade if
You want the cheapest credible cover for a young pet. Illustrative dog premiums start around $28/mo, claims settle in-app, and you can bolt on dental illness, behavioral and physical-therapy add-ons piece by piece to close Fetch's coverage edge. Just confirm Lemonade sells in your state first, and note the 6-month cruciate wait.
Questions
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Written by the WhichPetPlan editorial team. We currently earn no commission from any insurer listed, so no comparison here is paid placement. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.