Fetch vs. Lemonade Pet Insurance

Fetch delivers better pet insurance coverage for dogs and cats than Lemonade, ranking third nationally while Lemonade ranks sixth. Both providers offer similar deductible options and annual coverage limits, but Fetch provides more flexible coverage adjustment policies and shorter waiting periods for accident claims, giving pet owners better protection and policy management options.

Lemonade dominates state-level rankings as the best pet insurance company in 47 states for cats and 42 states for dogs. This nationwide leadership demonstrates Lemonade's consistent quality and value across different markets and coverage needs.

Lemonade offers cheaper pet insurance than Fetch across all age groups for both cats and dogs. For middle-aged dogs, Lemonade costs $45 per month compared with Fetch's $103. Middle-aged cats cost $22 with Lemonade versus $45 with Fetch.

See how much pet insurance costs across different age categories.

Lemonade offers the cheapest pet insurance in 41 states across every age group. Lemonade consistently beats Fetch with lower rates for middle-aged dogs, middle-aged cats, puppies and senior pets nationwide.

Both Fetch and Lemonade provide several ways for pet owners to reduce their premiums and make coverage more affordable. While Lemonade offers savings for multi-pet and bundled policies, Fetch provides discounts through specific partner and membership programs.

Lemonade delivers better customer experience than Fetch, ranking third nationally for both dogs and cats compared to Fetch's ninth-place position. However, the ratings present a mixed picture. Fetch maintains an A+ BBB rating and 4.5 Trustpilot score, while Lemonade holds a B- BBB rating and 4.2 Trustpilot score, showing stronger traditional business ratings favor Fetch despite Lemonade's superior overall customer experience performance.

Lemonade offers better pet insurance coverage for dogs and cats than Fetch, ranking sixth nationally while Fetch ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Lemonade has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

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 optional add-ons to expand your pet’s financial protection. Lemonade’s wellness packages focus on preventive care, while Fetch emphasizes premium benefits like holistic treatments and virtual vet visits.

Fetch offers enhanced add-ons that complement its core accident-and-illness coverage.

• Wellness plan: Covers annual wellness exams, dental cleaning, vaccines, and microchipping with annual benefit tiers.
• Virtual vet visits: Reimburses up to $1,000 per year for online veterinary consultations.
• Comprehensive dental and holistic care: Includes treatment for every adult tooth plus acupuncture, chiropractic care, and other approved holistic therapies.

Lemonade provides customizable preventive and supplemental packages.

• Preventive care package: Covers one wellness exam, three vaccinations, blood tests, and parasite screening.
• Preventive+ package: Adds routine dental cleaning and flea/tick medication) coverage.
• Puppy/kitten package: Designed for pets under 2 years old, covering exams, vaccines, spay/neuter, and microchipping.
• Vet-visit fee add-on: Covers exam fees charged separately from treatments.
• Physical therapy add-on: Includes acupuncture, hydrotherapy, and training for post-injury recovery.
• Dental illness add-on: Covers extractions, root canals, and periodontal disease treatments.
• Behavioral add-on: Covers therapy sessions and diagnostics for issues such as anxiety or aggression.
• End-of-life coverage: Provides reimbursement for euthanasia and cremation) services.

Lemonade beats Fetch overall, delivering better affordability and customer service. Lemonade charges $45 per month for middle-aged dogs and $22 for cats, making it significantly more affordable than Fetch's higher rates. Lemonade earns a 4.2 out of 5.0 Trustpilot rating and B- BBB rating, showing solid customer satisfaction. However, Fetch offers more comprehensive coverage options for pet owners who prioritize extensive protection over cost savings.

Compare Fetch and Lemonade pet insurance through these common questions:

Evaluating Fetch versus Lemonade pet insurance required gathering quotes and analyzing policy details under identical conditions. We assessed both providers using the same pet profiles and standardized coverage specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Our analysis used three primary factors, each weighted by importance to pet owners:

Affordability (50% of score): We obtained quotes across multiple pet ages and coverage options to assess real-world pricing, including available discounts that affect actual premium costs.

Customer Experience (30% of score): We evaluated Trustpilot ratings and conducted sentiment analysis of customer feedback to measure satisfaction with claims processing and customer support.

Coverage (20% of score): We compared policy benefits, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.