Pets Best vs Fetch
Pets Best scores 8.1 against Fetch at 7.6 for dogs and 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.
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
| Pets Best | Fetch | |
|---|---|---|
| Editorial score (dogs) | 8.1/10 | 7.6/10 |
| 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 |
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
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 a path to an unlimited annual cap. Pets Best scores 8.1 for dogs in our rankings and sells a $5,000, $10,000, or unlimited annual limit. Its 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 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.