Fetch vs Spot
Spot wins for most owners on score, price, and ceiling: 8.3/10 against 7.6 for Fetch, with illustrative dog premiums from about $38/mo versus $47/mo, and an unlimited annual-limit option against Fetch's $15,000 top listed tier. Those figures are starting estimates, not quotes. Fetch wins when dental disease or behavioral care is the claim you expect, because those sit in its base policy, and it has no accident waiting period from the effective date. Spot accidents wait 14 days, next-day in select states, and it applies no separate orthopedic wait. Spot treats both knees as linked. WhichPetPlan does not earn a commission from either insurer.
Side by side
| Fetch | Spot | |
|---|---|---|
| Editorial score (dogs) | 7.6/10 | 8.3/10 |
| Illustrative starting price | dogs from $47/mo, cats from $27/mo | dogs from $38/mo, cats from $21/mo |
| Annual limit | $15k | $2.5k-unlimited |
| Deductible | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) | Annual, $100/$250/$500/$750/$1,000 |
| Reimbursement options | 70%, 80% or 90% | 70%, 80% or 90% |
| Accident wait | No waiting period from the policy effective date | 14 days (next-day in select states) |
| Illness wait | Up to 15 days | 14 days |
| Orthopedic / cruciate wait | None listed | No separate orthopedic or cruciate wait , the standard 14-day illness period applies |
| 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.
Spot: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Fetch if
Dental disease or behavioral care is the claim you actually expect, or you want zero accident wait. Fetch covers both in the base policy and has no accident waiting period from the effective date. Illness waits up to 15 days. The limits are the weak spot: $15,000 is the top listed annual tier, higher only by request, and the illustrative dog start sits around $47/mo, not a quote.
Choose Spot if
You want the higher score, the lower starting estimate, or an unlimited cap. Spot scores 8.3/10, starts around $38/mo for a young dog and $21/mo for a cat, and sells caps from $2,500 to unlimited. Accidents wait 14 days, next-day in select states. There is no separate orthopedic wait. Do not under-buy a low cap, and remember both knees are linked.
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 LemonadeQuestions
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Written by the WhichPetPlan editorial team. Rankings are editorial, not paid placement. Some links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.