uncover the facts
Lemonade vs. Fetch Pet Insurance
See how Fetch’s superior coverage has more juice than Lemonade.
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UNMATCHED COVERAGE
Fetch covers what Lemonade pet insurance doesn’t, including:

Full-mouth dental coverage, including periodontal disease, oral trauma and more.
Lemonade doesn’t cover periodontal disease unless you pay extra for an add-on.

Up to 100% reimbursement on pet medications when you order from Fetch Pet Rx.†
Lemonade doesn’t do that.

Complete coverage throughout the U.S. and in Canada.
Lemonade is not in every U.S. state or anywhere in Canada.

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Compare Fetch to Lemonade
Coverage | ![]() | ![]() |
---|---|---|
$1,000/yr. in online vet visits $0 copay! $0 deductible! | ||
$1,000/yr. in behavioral therapy $0 copay! $0 deductible! | ||
Online pharmacy 100% reimbursement† | ||
Every tooth, plus gums up to your max limit | ||
Sick-visit exam fees | Costs extra | |
Covers pets of every age 6 weeks+ | ||
Alternative & holistic care | Costs extra | |
Use any vet in the U.S. & Canada | ||
Vitamins & supplements | ||
Discounts on pet products & services included in your policy benefits* |
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. *Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. All coverage is subject to policy limit. This comparison is based on core policy coverage and the information is accurate as of January 2025. Comparison of online pharmacy and discounts on pet products & services based on each provider's website as of April 2025.
Lemonade charges extra for coverage that comes standard with Fetch
Lemonade offers a lot of add-on options that ultimately make your price significantly higher. You’d have to pay for 5 separate add-ons to reach their maximum coverage — and you’d still be getting more coverage if you went with Fetch. Dental illness, physical therapy, behavioral therapy and end-of-life care will all cost more with Lemonade.
Fetch’s standard plan includes all of those things — and more. No difficult decision-making required.


Lemonade’s limitations on dental coverage could cost you thousands
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 coverage only includes the extraction and reconstruction of damaged teeth caused by an accident — and even with the add-on, Lemonade caps dental coverage at $1,000 a year.
With Fetch, you’ll get up to 100% reimbursement on pet meds†
Fetch reimburses up to 100% of your out-of-pocket expenses on medications when you order from online pharmacy Fetch Pet Rx.
Lemonade doesn’t offer this. Fetch is the only pet insurance provider that pays you back up to 100% of the cost of your pet’s meds — with $0 copay — when you use Fetch Pet Rx.


Fetch covers behavioral therapy for pets that need a little extra TLC
Fetch covers up to $1,000 in behavioral therapy and medicine — with $0 copay and deductible.
With Lemonade’s pet insurance, you must pay for an add-on to get any type of behavioral coverage for your pet. Plus, you're responsible for the copay and deductible costs.
Fetch covers $1,000/yr. in online vet visits at no additional cost
Fetch includes 24/7 telehealth treatment, so you can call, text, email or video chat with a vet to get support. Online vet visits are covered up to $1,000 a year — no copay, no deductible, no additional costs.
Lemonade doesn’t cover online vet visits in their standard plan. You’ll pay extra to add this coverage, and it’ll be subject to a copay and deductible.


Access $1,500+ in exclusive discounts on healthy pet products with Fetch
As part of your Fetch Pet Insurance membership, you’ll get access to Fetch Health Perks — over $1,500 in savings on pet food, treats, training and more products and services — all included at no extra cost.
Lemonade doesn’t have a perks program.
Lemonade isn’t available in every state — or anywhere in 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 anywhere 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.


Lemonade charges extra to cover alternative & holistic care
Fetch covers acupuncture, aromatherapy, chiropractic and homeopathic treatments, also known as complementary therapy, when administered by a vet to treat an injury or illness, all at no extra charge.
Lemonade doesn’t cover alternative and holistic care in their standard plan. You’ll have to pay extra for an add-on.
Fetch offers coverage for boarding fees. Lemonade doesn’t.
We’ll cover up to $1,000 of your pet’s boarding fees because we’re not just here for your pet. Should you require hospitalization for 4 days or more, we’ve got you covered.
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.

FETCH PET INSURANCE REVIEWS
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Fetch comparison FAQS
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What matters the most to you?
At Fetch, we understand how special your pet is to you (and vice-versa). That’s why we built a plan that covers more of the care your pet needs. Having more coverage means you’ll never have to choose between a vet bill and your pet’s health — so they can have a longer, happier life, and you can both have more good days together.

