Fetch vs. Lemonade Pet Insurance

MoneyGeek's comprehensive study found that Lemonade's pet insurance is better than Fetch's, ranking first nationally for cats and dogs while Fetch places 10th and 11th, respectively. That said, your best choice depends on what you're particularly looking for. Lemonade is more ideal if you want affordable rates and excellent service, whereas Fetch is suitable if you prioritize comprehensive financial protection for your pet.

Find the best pet insurance options for your pet across different situations:

Lemonade ranks as the best pet insurance company in all 50 states for both dogs and cats, consistently winning against Fetch in our study.

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.

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: Arkansas provides the strongest value, with Lemonade priced at $6 per month compared to $9 from Fetch. That puts Lemonade about 31% lower.
• Puppies: In Arkansas, Lemonade charges $12 monthly while Fetch comes in at $30. That difference trims premiums by roughly 58%.
• Young Cats: Lemonade remains the lower-cost option in Arkansas at $9 per month. Fetch charges $15, making Lemonade about 42% cheaper.
• Young Dogs: Arkansas again shows the widest separation, with Lemonade at $17 per month and Fetch at $40. That cuts the monthly cost by 58%.
• Middle-Aged Cats: Lemonade offers coverage starting at $15 per month in Arkansas. Fetch lists the same age group at $30, creating a 51% gap.
• Middle-Aged Dogs: Arkansas pet owners pay $30 per month with Lemonade compared to $69 with Fetch, a difference of about 57%.
• Senior Cats: Lemonade charges $21 per month in Arkansas, while Fetch reaches $91. That equals a 76% price difference.
• Senior Dogs: The largest gap appears here, with Lemonade priced at $39 per month versus $205 from Fetch in Arkansas. That translates to roughly 81% lower costs.

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.

Lemonade delivers better 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 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.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both Fetch and Lemonade offer wellness plans to cover routine care, but they differ in coverage amounts and tier structures. Fetch provides three wellness tiers with annual allowances ranging from $315 to $735, while Lemonade offers four preventive packages with varying coverage.

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: Helps pay for recovery-focused care such as acupuncture, hydrotherapy, and rehabilitation training after an injury.
• Dental illness add-on: Covers dental treatments including extractions, root canals, and care for periodontal disease.
• Behavioral add-on: Reimburses therapy sessions and diagnostic evaluations for concerns like anxiety or aggressive behavior.
• End-of-life coverage: Reimburses vet-recommended euthanasia and cremation services.

Lemonade beats Fetch for pet insurance, offering lower rates and better customer service. Lemonade charges $45 per month for middle-aged dogs and $22 for cats, saving you up to 57% on premiums. Fetch offers broader coverage options if you want extensive financial protection and don't mind paying more.

Compare other leading pet insurance companies to find the right fit for your pet.

Compare Fetch and Lemonade pet insurance through these common questions: