Pets Best vs Fetch
Pets Best wins for most owners on score and price: 8.1/10 against 7.6 for Fetch, with illustrative dog premiums from about $33/mo versus $47/mo. Those are starting estimates, not quotes. Pets Best also sells an unlimited annual limit. 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. Pets Best accidents wait 3 days, waivable with a qualifying vet exam. Cruciate ligament events at Pets Best wait 6 months unless a participating veterinarian certifies the pet. Fetch lists $5,000, $10,000, and $15,000 annual tiers, with higher limits only by request. WhichPetPlan does not earn a commission from either insurer.
Side by side
| Pets Best | Fetch | |
|---|---|---|
| Editorial score (dogs) | 8.1/10 | 7.6/10 |
| Illustrative starting price | dogs from $33/mo, cats from $14/mo | dogs from $47/mo, cats from $27/mo |
| Annual limit | $5k-unlimited | $15k |
| Deductible | Annual, $50/$100/$200/$250/$500/$1,000 | $250 to $2,500 (three recommended amounts shown at signup; other amounts available by contacting Fetch) |
| Reimbursement options | 70%, 80% or 90% | 70%, 80% or 90% |
| Accident wait | 3 days (waivable entirely with a qualifying vet exam submitted within 30 days of enrollment) | No waiting period from the policy effective date |
| Illness wait | 14 days | Up to 15 days |
| Orthopedic / cruciate wait | 6 months for cruciate ligament events. Waiting periods may be reduced or waived when a participating veterinarian certifies the pet (exam up to 3 days before or 7 days after the effective date; form back within 30 days of the exam) | None listed |
| 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
Pets Best: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Fetch: Not covered, standard exclusion for signs shown before enrollment or during the waiting period.
Choose Pets Best if
You want the lower starting estimate and a path to an unlimited cap. Pets Best scores 8.1/10, starts around $33/mo for a healthy one-year-old dog and $14/mo for a cat, and sells $5,000, $10,000, or unlimited. Accidents wait 3 days, waivable with a vet exam. Cruciate events wait 6 months unless a participating veterinarian certifies the pet. Exam fees cost extra on the base Essential plan.
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, which most insurers exclude, and accidents are covered from the effective date. Illness waits up to 15 days. The weak spot is the cap: $15,000 is the top listed annual tier, and the illustrative dog start sits around $47/mo, not a quote.
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.