Lemonade Pet Insurance
Fetch Pet Insurance

Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.

See how Fetch compares to Lemonade pet insurance >

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A large fluffy dog sitting on a couch with a tennis ball in his mouth.

You had me at Fetch.

— Rugby

Fetch covers more than most other  providers, including Lemonade

Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!) with the most comprehensive coverage. Lemonade’s limited coverage doesn’t include exam fees, dental illness and more — unless you pay for add-ons to their standard plan.

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Compare Fetch to Lemonade pet insurance




Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees


Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums


Not covered

Costs extra

This comparison is based on core policy coverage and the information is accurate as of September 2023.

Fetch Wellness is add-on coverage.

Fetch covers what Lemonade does not, including:

The complete sick visit, including exam fees — saving you $50 - $250, on average, per appointment. Lemonade doesn’t cover exam fees unless you pay extra for an add-on.

Up to $1,000 in behavioral therapy and medicine. Lemonade requires buying an add-on to cover behavioral therapy.

Up to $1,000 in boarding fees should you require hospitalization for 4 days or more. Lemonade doesn’t do that.

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Lemonade’s pet insurance plan only covers some states — Fetch covers all of the U.S. and most of Canada

Fetch provides coverage for dogs and cats in all 50 states and most of Canada.

Lemonade pet insurance is not available in 13 U.S. states or at all in Canada. If you move to one of these places, your policy will be canceled, you’ll have to find a new provider and anything your pet’s been treated for will typically be considered a pre-existing condition, which most providers won't cover.

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Lemonade’s pet insurance doesn’t cover alternative and holistic care — Fetch does

Fetch covers treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness, all at no extra charge.

Lemonade pet insurance doesn’t cover alternative and holistic care in their standard plan. You’ll have to pay extra for an add-on.

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Lemonade pet insurance doesn’t cover every tooth — Fetch does

Fetch Pet Insurance covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.

Lemonade’s standard plan doesn’t cover periodontal disease, unless you pay extra for an add-on. This plan's limited coverage only includes the extraction and reconstruction of damaged teeth caused by an accident.

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Lemonade requires 5 add-ons to get what comes standard with Fetch

With Lemonade pet insurance, you’d have to pay for 5 separate add-ons to reach their maximum coverage. Vet visit fees, dental illness, physical therapy, behavioral therapy and end of life care will all cost more with Lemonade — and those charges add up fast.

Fetch’s standard plan includes all of those things (and more!) with no add-on required.

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With Lemonade pet insurance, you’ll have to pay to cover exam fees

Fetch covers the full sick visit — including exam fees, saving you $50-$250 per visit on average.

Lemonade’s standard plan doesn’t cover sick-visit exam fees. If you want this coverage, you'll have to pay extra for an add-on.

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Fetch has your back if you're hospitalized

We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.

Lemonade doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to pay someone else to take care of your pet.

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Fetch knows that sometimes good boys and good girls need a little help

Fetch covers up to $1,000 in behavioral therapy and medicine.

With Lemonade’s pet insurance, you must pay for an add-on to get any type of behavioral coverage for your pet.

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What should you consider when you’re comparing pet insurance providers?

What does the coverage include?

Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.

How much can you customize the price?

Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.

What matters the most to you?

Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.

Add routine & preventive coverage, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).

Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.



Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

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Read customer reviews about Fetch Pet Insurance

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