MoneyGeek's comprehensive study found that Lemonade's pet insurance ranks first nationally for cats and dogs while Fetch places 10th and 11th. Your best choice comes down to what matters most. Lemonade wins on price and customer service, while Fetch suits pet owners who want broader financial protection and don't mind paying more for it.
Fetch vs. Lemonade Pet Insurance
Updated: March 16, 2026
Advertising & Editorial Disclosure
Fetch vs. Lemonade Pet Insurance: Key Takeaways
Lemonade charges $22 per month for middle-aged cats and $45 for dogs. Fetch runs $44 for cats and $103 for dogs in the same age group.
Lemonade provides better customer service than Fetch, receiving 72% positive sentiment among Reddit users for its quick claim approvals and intuitive mobile app.
Fetch has more comprehensive coverage than Lemonade, offering unlimited payouts and including vet exam fees, dental treatment and behavioral treatment in its standard policy without extra cost.
Is Fetch or Lemonade Pet Insurance Better?
| Cat | Affordability | Lemonade | 3 | 12 |
| Cat | Coverage | Fetch | 3 | 6 |
| Cat | Customer Experience | Lemonade | 3 | 6 |
| Cat | Overall Score | Lemonade | 1 | 10 |
| Dog | Affordability | Lemonade | 1 | 13 |
| Dog | Coverage | Fetch | 3 | 6 |
| Dog | Customer Experience | Lemonade | 3 | 6 |
| Dog | Overall Score | Lemonade | 1 | 11 |
How We Decided the Winning Pet Insurance Provider
We calculated all scores using average experiences and pricing for a six-year-old Labrador Retriever and seven-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Find the best pet insurance options for your pet across different situations:
Fetch and Lemonade Comparison by State
Lemonade ranks as the best pet insurance company in all 50 states for both dogs and cats, consistently winning against Fetch in our study.
Data filtered by:
Select
| Alabama | Cat | Lemonade |
| Alabama | Dog | Lemonade |
| Alaska | Cat | Lemonade |
| Alaska | Dog | Lemonade |
| Arizona | Cat | Lemonade |
| Arizona | Dog | Lemonade |
| Arkansas | Cat | Lemonade |
| Arkansas | Dog | Lemonade |
| California | Cat | Lemonade |
| California | Dog | Lemonade |
| Colorado | Cat | Lemonade |
| Colorado | Dog | Lemonade |
| Connecticut | Cat | Lemonade |
| Connecticut | Dog | Lemonade |
| Delaware | Cat | Lemonade |
| Delaware | Dog | Lemonade |
| Florida | Cat | Lemonade |
| Florida | Dog | Lemonade |
| Georgia | Cat | Lemonade |
| Georgia | Dog | Lemonade |
| Hawaii | Cat | Lemonade |
| Hawaii | Dog | Lemonade |
| Idaho | Cat | Lemonade |
| Idaho | Dog | Lemonade |
| Illinois | Cat | Lemonade |
| Illinois | Dog | Lemonade |
| Indiana | Cat | Lemonade |
| Indiana | Dog | Lemonade |
| Iowa | Cat | Lemonade |
| Iowa | Dog | Lemonade |
| Kansas | Cat | Lemonade |
| Kansas | Dog | Lemonade |
| Kentucky | Cat | Lemonade |
| Kentucky | Dog | Lemonade |
| Louisiana | Cat | Lemonade |
| Louisiana | Dog | Lemonade |
| Maine | Cat | Lemonade |
| Maine | Dog | Lemonade |
| Maryland | Cat | Lemonade |
| Maryland | Dog | Lemonade |
| Massachusetts | Cat | Lemonade |
| Massachusetts | Dog | Lemonade |
| Michigan | Cat | Lemonade |
| Michigan | Dog | Lemonade |
| Minnesota | Cat | Lemonade |
| Minnesota | Dog | Lemonade |
| Mississippi | Cat | Lemonade |
| Mississippi | Dog | Lemonade |
| Missouri | Cat | Lemonade |
| Missouri | Dog | Lemonade |
| Montana | Cat | Lemonade |
| Montana | Dog | Lemonade |
| Nebraska | Cat | Lemonade |
| Nebraska | Dog | Lemonade |
| Nevada | Cat | Lemonade |
| Nevada | Dog | Lemonade |
| New Hampshire | Cat | Lemonade |
| New Hampshire | Dog | Lemonade |
| New Jersey | Cat | Lemonade |
| New Jersey | Dog | Lemonade |
| New Mexico | Cat | Lemonade |
| New Mexico | Dog | Lemonade |
| New York | Cat | Lemonade |
| New York | Dog | Lemonade |
| North Carolina | Cat | Lemonade |
| North Carolina | Dog | Lemonade |
| North Dakota | Cat | Lemonade |
| North Dakota | Dog | Lemonade |
| Ohio | Cat | Lemonade |
| Ohio | Dog | Lemonade |
| Oklahoma | Cat | Lemonade |
| Oklahoma | Dog | Lemonade |
| Oregon | Cat | Lemonade |
| Oregon | Dog | Lemonade |
| Pennsylvania | Cat | Lemonade |
| Pennsylvania | Dog | Lemonade |
| Rhode Island | Cat | Lemonade |
| Rhode Island | Dog | Lemonade |
| South Carolina | Cat | Lemonade |
| South Carolina | Dog | Lemonade |
| South Dakota | Cat | Lemonade |
| South Dakota | Dog | Lemonade |
| Tennessee | Cat | Lemonade |
| Tennessee | Dog | Lemonade |
| Texas | Cat | Lemonade |
| Texas | Dog | Lemonade |
| Utah | Cat | Lemonade |
| Utah | Dog | Lemonade |
| Vermont | Cat | Lemonade |
| Vermont | Dog | Lemonade |
| Virginia | Cat | Lemonade |
| Virginia | Dog | Lemonade |
| Washington | Cat | Lemonade |
| Washington | Dog | Lemonade |
| West Virginia | Cat | Lemonade |
| West Virginia | Dog | Lemonade |
| Wisconsin | Cat | Lemonade |
| Wisconsin | Dog | Lemonade |
| Wyoming | Cat | Lemonade |
| Wyoming | Dog | Lemonade |
How We Decided the Winning Pet Insurance Provider by State
We calculated all scores using average experiences and pricing for a 6-year-old Labrador Retriever and seven-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Fetch vs. Lemonade Pet Insurance Cost
Lemonade leads in our pet insurance cost study against Fetch across all age groups for dogs and cats. Senior dog coverage provides the highest savings at 81%, while kitten insurance shows the smallest difference at 31% savings with Lemonade.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 31% |
| Young Cats | Lemonade | $13 | 41% |
| Puppies | Lemonade | $19 | 58% |
| Middle Aged Cats | Lemonade | $22 | 50% |
| Young Dogs | Lemonade | $25 | 58% |
| Senior Cats | Lemonade | $32 | 76% |
| Middle Aged Dogs | Lemonade | $45 | 57% |
| Senior Dogs | Lemonade | $58 | 81% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Fetch vs. Lemonade Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance nationwide across every age group when compared with Fetch. The breakdown below shows how their pricing compares by state:
- Kittens: Lemonade runs $6 per month in Arkansas versus $9 from Fetch, about 31% less.
- Puppies: Lemonade charges $12 monthly in Arkansas. Fetch is $30, so Lemonade runs 58% cheaper.
- Young Cats: At $9 per month, Lemonade undercuts Fetch's $15 rate in Arkansas by around 42%.
- Young Dogs: Arkansas shows a wide split: $17 with Lemonade against $40 with Fetch, a 58% monthly difference.
- Middle-Aged Cats: Lemonade's $15 monthly rate in Arkansas compares to $30 at Fetch, putting the gap at 51%.
- Middle-Aged Dogs: Arkansas pet owners pay $30 per month with Lemonade or $69 with Fetch. That's a 57% difference.
- Senior Cats: Lemonade charges $21 per month in Arkansas. Fetch reaches $91, a 76% price gap.
- Senior Dogs: The biggest spread in Arkansas falls here. Lemonade is $39 per month; Fetch is $205. Lemonade costs about 81% less.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 57% |
| Arizona | Lemonade | $54 | 57% |
| Arkansas | Lemonade | $30 | 57% |
| California | Lemonade | $56 | 57% |
| Colorado | Lemonade | $56 | 57% |
| Connecticut | Lemonade | $51 | 57% |
| Delaware | Lemonade | $45 | 57% |
| Florida | Lemonade | $50 | 57% |
| Georgia | Lemonade | $40 | 57% |
| Hawaii | Lemonade | $45 | 57% |
| Illinois | Lemonade | $55 | 57% |
| Indiana | Lemonade | $40 | 57% |
| Iowa | Lemonade | $37 | 57% |
| Louisiana | Lemonade | $36 | 57% |
| Maryland | Lemonade | $43 | 57% |
| Massachusetts | Lemonade | $57 | 57% |
| Michigan | Lemonade | $44 | 57% |
| Minnesota | Lemonade | $46 | 57% |
| Mississippi | Lemonade | $38 | 57% |
| Missouri | Lemonade | $35 | 57% |
| Montana | Lemonade | $37 | 57% |
| Nebraska | Lemonade | $40 | 57% |
| Nevada | Lemonade | $46 | 57% |
| New Hampshire | Lemonade | $51 | 57% |
| New Jersey | Lemonade | $50 | 57% |
| New Mexico | Lemonade | $39 | 57% |
| New York | Lemonade | $48 | 57% |
| North Carolina | Lemonade | $39 | 57% |
| North Dakota | Lemonade | $34 | 57% |
| Ohio | Lemonade | $41 | 57% |
| Oklahoma | Lemonade | $37 | 57% |
| Oregon | Lemonade | $55 | 57% |
| Pennsylvania | Lemonade | $46 | 57% |
| Rhode Island | Lemonade | $39 | 57% |
| South Carolina | Lemonade | $42 | 57% |
| Tennessee | Lemonade | $41 | 57% |
| Texas | Lemonade | $47 | 57% |
| Utah | Lemonade | $42 | 57% |
| Virginia | Lemonade | $47 | 57% |
| Washington | Lemonade | $51 | 57% |
| Wisconsin | Lemonade | $47 | 57% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Fetch vs. Lemonade Pet Insurance Discounts
Both Fetch and Lemonade provide three pet insurance discounts, but they differ in structure and eligibility requirement. Fetch focuses on AARP members, military personnel and employer group plans, while Lemonade rewards multi-pet households, customers who pay annually in full and those who bundle policies.
Multiple pets | None. | Save 5% off on pet insurance when you insure more than one dog or cat. |
Bundling | None. | Receive 5% off automatically when you pay the annual premium in full. |
Paying in full annually | None. | Bundle your pet insurance with other Lemonade policies for 10% savings. |
Membership | AARP members who enroll through the AARP benefit page save 10% off on pet insurance. | None. |
Employer group plan | Get 10% savings for signing up with a participating employer's group plan. | None. |
Military | Active military members and veterans receive 10% when they enroll with proof of service. | None. |
Fetch vs. Lemonade Pet Insurance Customer Experience
Lemonade scores higher on customer experience than Fetch, placing third nationally for both pets while Fetch ranks sixth. While this is the case, Fetch maintains higher ratings from Trustpilot and the Better Business Bureau. Lemonade outperforms Fetch on Reddit, garnering more positive feedback for its quick claim reimbursements and user-friendly app.
Fetch vs Lemonade Trustpilot ratings
Fetch earns a 4.5 out of 5 Trustpilot rating compared to Lemonade's 4 out of 5. Fetch receives praise for quick claim processing and helpful customer service representatives, though some customers complain about denied claims and coverage exclusions. Lemonade users love the fast reimbursements and user-friendly app but criticize the insurer's slow response times and difficulty reaching human support when issues arise.
Fetch vs Lemonade BBB ratings
Fetch holds an A BBB rating compared to Lemonade's B- rating. The A rating means Fetch resolves most disputes satisfactorily and maintains strong business standards, while Lemonade's B- reflects 601 complaints with two unresolved cases. Fetch also earned BBB accreditation while Lemonade hasn't pursued this certification, giving Fetch an edge for pet owners who value established complaint resolution processes.
Fetch vs Lemonade Pet Insurance Reddit Sentiment
Lemonade garners a higher positive sentiment on Reddit at 72% from 32 comments, while Fetch only holds 8% positive feedback from 13 comments. Reddit users praise Lemonade for fast claim approvals, an intuitive mobile app and responsive customer service, though some criticize broad pre-existing condition definitions and claim processing delays. Fetch receives complaints for denied claims, steep premium increases and poor reimbursement rates, with only rare positive mentions about comprehensive coverage.
Fetch vs. Lemonade Pet Insurance Coverage
Fetch offers more comprehensive pet insurance coverage for dogs and cats than Lemonade, ranking third nationally for both pets versus Lemonade's sixth place. Aside from offering unlimited coverage, Fetch also covers exam fees, behavioral treatment and dental treatment without requiring an optional add-on like Lemonade does.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$250 to $2,500 | $100, $250, $500, $750 | |
$5,000, $10,000, $15,000, Unlimited | $5,000, $10,000, $20,000, $50,000, $100,000 | |
70%, 80%, 90% | 60%, 70%, 80%, 90% | |
15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | 2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to six months for cruciate ligament events | |
Age restrictions | No upper age limit for enrollment | Only insures pets up to 14 years old, depending on breed |
Pre-existing conditions | Curable pre-existing conditions may be covered if cured and symptom-free for 365 days | Non-chronic pre-existing conditions may qualify for reimbursement if cured and symptom-free for 12 months |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Fetch vs. Lemonade Wellness Plans
Both Fetch and Lemonade include wellness plans for routine care, though the coverage amounts and tier structures differ. Fetch has three tiers with annual allowances running from $315 to $735. Lemonade breaks it down into four preventive packages, each with its own coverage limits.
- Essentials: Covers up to $315 annually for wellness exams, heartworm tests and prevention, flea/tick prevention, dental cleaning, blood work, urinalysis, fecal tests and routine vaccinations.
- Advantage: Bumps the annual limit to $520 and adds microchipping and anal gland expression to everything in Essentials.
- Prime: Tops out at $735 annually, adding a behavioral exam, health certificate and activity monitor on top of Advantage benefits.
- Routine Vet Care: Covers three vaccinations and one wellness exam that includes bloodwork, fecal or internal parasite test and heartworm or FeLV/FIV test.
- Routine Vet Care Plus: Provides coverage for unlimited wellness exams and vaccines, plus annual wellness testing and life essentials such as spay/neuter procedures, heartworm medication, deworming, nail trimming, joint screening, genetic testing, blood pressure monitoring, and preventative x-rays and ultrasounds.
- Preventative+ Care package: Covers one wellness exam, three vaccines, flea/tick or heartworm medication and routine dental cleaning.
- Puppy/Kitten Preventative Care package: Designed specifically for young pets with coverage for spaying/neutering and microchipping, along with heartworm/flea/tick medication, two wellness exams and up to six vaccinations.
Fetch vs. Lemonade Pet Insurance Add-ons
Beyond optional wellness plans, Fetch doesn't offer other add-ons, while Lemonade has five that you can add to your base policy, which are:
- Vet-visit fee add-on: Covers exam fees that vets bill separately from treatments or procedures.
- Physical therapy add-on: Pays for recovery care like acupuncture, hydrotherapy and rehabilitation training after an injury.
- Dental illness add-on: Covers extractions, root canals and treatment for periodontal disease.
- Behavioral add-on: Reimburses therapy sessions and diagnostic evaluations for issues like anxiety or aggression.
- End-of-life coverage: Reimburses vet-recommended euthanasia and cremation services.
Fetch vs. Lemonade Pet Insurance: Bottom Line
Lemonade beats Fetch on price and customer service. It charges $45 per month for middle-aged dogs and $22 for cats, running up to 57% less than Fetch. That said, Fetch is worth a look if you want broader coverage and don't mind paying more for it.
Compare other leading pet insurance companies to find the right fit for your pet.
Fetch vs. Lemonade Pet Insurance Comparison: FAQ
Compare Fetch and Lemonade pet insurance through these common questions:
What is the difference between Fetch and Lemonade pet insurance?
Lemonade beats Fetch for pet insurance overall, with lower premiums and better customer service. Senior dog coverage shows the biggest price gap, with Lemonade running 81% cheaper than Fetch. The company also earns 72% positive sentiment on Reddit, driven by fast reimbursements and an easy-to-use app. Fetch, on the other hand, packs more into its base policy, covering exam fees, behavioral treatment and dental treatment at no extra cost.
Which is cheaper: Fetch or Lemonade pet insurance?
Lemonade's pet insurance is cheaper than Fetch's across all pet age groups nationwide. Middle-aged cats cost $22 per month with Lemonade versus Fetch's $45 monthly rate. The savings are even greater for middle-aged dogs, where Lemonade charges $45 compared to Fetch's $103 per month.
Does Fetch or Lemonade have better coverage for dogs and cats?
Fetch offers better coverage than Lemonade, ranking third nationally compared to Lemonade's sixth position for both cats and dogs. Fetch provides comprehensive base financial protection including dental treatment, exam fees and behavioral treatment, along with unlimited coverage.
How do Fetch and Lemonade compare for claims and customer experience?
Lemonade ranks third nationally for customer service while Fetch places sixth. Although Fetch has higher ratings from Trustpilot (4.5 versus 4 out of 5) and BBB (A versus B- rating), Lemonade wins by garnering 72% positive sentiment on Reddit for its quick claim reimbursements, intuitive mobile app and helpful customer service.
Is Fetch or Lemonade pet insurance better for older pets?
This depends on your priority. Lemonade is the better option if you're looking for affordable premiums and quality service, while Fetch is more suitable if you want broader financial protection. Fetch also doesn't have upper age restrictions, while Lemonade only insures pets up to 14 years old, depending on breed, during enrollment.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Trustpilot. "Fetch Pet Insurance ." Accessed March 24, 2026.
- Trustpilot. "Lemonade." Accessed March 24, 2026.
- Better Business Bureau. "Fetch Pet Insurance." Accessed March 24, 2026.
- Better Business Bureau. "Lemonade Insurance Company." Accessed March 24, 2026.