Fetch vs Spot
Spot scores 8.3 against Fetch at 7.6 for dogs and offers an unlimited annual-limit option. 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.
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 | Spot | |
|---|---|---|
| Editorial score (dogs) | 7.6/10 | 8.3/10 |
| 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 |
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.
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.
Choose Spot if
You want the higher editorial score or an unlimited cap. Spot scores 8.3 against Fetch at 7.6 for dogs and sells limits up 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.
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions
Keep reading
Written by the WhichPetPlan editorial team. Scores are our own editorial ratings, not an industry standard. See our methodology for how scores are set.