Fetch vs. Lemonade pet insurance: coverage comparison
How does Fetch Pet Insurance compare to Lemonade pet insurance?
Fetch is the better choice because it includes what Lemonade charges extra to add — or doesn’t cover at all.
Lemonade charges extra to cover dental illness. This coverage comes standard with Fetch.
Lemonade doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Lemonade doesn't cover pets living in every U.S. state or in Canada. Fetch does.
Coverage differences: Fetch includes what Lemonade doesn't
With Fetch, the most complete coverage comes standard. This includes full-mouth dental, behavioral therapy, online vet visits and more. With Lemonade, you’d have to pay for 5 add-ons to reach their maximum pet insurance coverage — and you’d still be getting less than what you’d get with Fetch. See for yourself how Fetch covers more than Lemonade.
 |  | |
|---|---|---|
Every tooth, plus gums |  | |
Online pharmacy. | | |
Use any vet in the U.S. & Canada | | |
$1,500+ in instant savings | | |
Boarding Fees2 | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
Lemonade doesn’t cover full-mouth dental, boarding fees & more — Fetch does
The most complete dental coverage comes standard with Fetch. Lemonade charges extra to cover dental illnesses.
Fetch covers injury and disease in all adult teeth and your pet’s gums. This includes periodontal disease (the most common disease in dogs and cats), oral tumors, dental trauma and more.
Lemonade’s standard plan doesn’t cover periodontal disease, so you’d have to pay extra for an add-on for dental disease coverage. This plan 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.
Fetch gives you 100% reimbursement on hundreds of qualifying pet meds with Fetch Pet Rx† — Lemonade doesn’t.
With Fetch, medications are delivered to your door and are eligible for 100% reimbursement through our online pharmacy, Fetch Pet Rx.
Lemonade doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds when you use Fetch Pet Rx.
Over 74%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch covers pets in the U.S. and Canada. Lemonade isn’t available in every U.S. state — or anywhere in Canada.
Fetch provides coverage for pets in all 50 U.S. states and in 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.
Theo & Alex
Tumor costs:
$7,456
Fetch paid back:
$5,290
Save on everyday pet products & services to give your pet a longer, healthier life — at no extra charge — with Fetch
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Lemonade doesn’t have a perks program, so you’ll save $0 on your pet’s everyday essentials.
Fetch covers boarding fees. Lemonade does not.
If you’re hospitalized for 4 days or more, Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost.
Lemonade doesn’t cover boarding fees at all.
Boarding a pet can cost up to
$185/night
Lemonade charges extra to add coverage that comes standard with Fetch
| | |
|---|---|---|
Sick-visit exam fees | | Costs extra |
$1,000/yr. in behavioral therapy | | |
$1,000/yr. in online vet visits | | |
Alternative & holistic care | | Costs extra |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
Sick-visit exam fees, behavioral therapy & telehealth all cost more with Lemonade
Fetch covers sick-visit exam fees. With Lemonade, this coverage costs extra.
Fetch covers the full sick visit — including exam fees, which can exceed $250 per visit.
Lemonade charges extra to add coverage for sick-visit exam fees.
7 in 10
pet parents who forgo veterinary care cite financial reasons.
Fetch automatically includes behavioral therapy. Lemonade charges extra for this coverage.
Fetch gives you 100% reimbursement for consultations with a vet to diagnose and treat behavioral disorders. You’re covered up to $1,000/yr. with $0 copay and $0 deductible.
With Lemonade, 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 with 100% reimbursement
Fetch covers remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — $0 copay, $0 deductible.
Lemonade doesn’t cover online vet visits in their standard plan. It costs extra to add this coverage, and it’ll be subject to a copay and deductible.
Lemonade charges extra to cover alternative & holistic care. With Fetch, it comes standard.
Fetch covers physical therapy, acupuncture, 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 physical therapy in their standard plan. You’ll have to pay extra for an add-on.
DID YOU KNOW?
Acupuncture is used by veterinarians to treat common conditions, including arthritis, allergies, IVDD (intervertebral disc disease), hip dysplasia, diarrhea, vomiting, behavioral problems, cancer and kidney disease.
Fetch has complete dental coverage — Lemonade charges extra & caps reimbursement
Fetch provides the most complete pet insurance with full-mouth dental coverage for injuries and illnesses. Lemonade has limitations and restrictions on dental: For starters, you have to pay for an add-on to get any coverage for dental illness because their standard plan only covers dental accidents.
Even with the add-on, Lemonade has a cap (also known as a “sublimit” in insurance-speak) of $1,000/yr. on dental illness coverage. That means the most you’ll get reimbursed for treatment related to dental illness is $1,000 and you’re fully responsible for any costs beyond that amount. Veterinary dental care is expensive and a single treatment like a root canal can exceed $1,000. Fetch doesn’t have a sublimit on dental — your pet is covered for every tooth, plus gums, up to your max annual payout.
| | |
|---|---|---|
Covers every tooth, plus gums | | |
Dental diseases | | Costs extra |
Endodontic procedures | | Less coverage
|
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back straight to your bank account when you set up direct deposit.
Pet insurance cost comparison: how add-ons & limitations affect price & reimbursement
When you get a pet insurance quote with Fetch or Lemonade, you’ll be given options to customize the cost. With Fetch, you can choose the deductible, max annual payout and reimbursement rate that’s right for your pet and your budget. Getting a quote with Lemonade requires making a lot of on-the-spot decisions about coverage because Lemonade offers a lot of add-on options that give you more coverage, but ultimately make your price go up. Your quoted price with Fetch might look more expensive at first, but that’s because the most complete coverage comes standard with Fetch — you don’t need to add it.
Lemonade’s add-ons can make your price significantly higher
You’d have to pay for 5 add-ons to reach Lemonade’s maximum coverage — and you’d still be getting less coverage than you would with Fetch. Dental illness, physical therapy, behavioral therapy and sick-visit exam fees will all cost more with Lemonade. All of this coverage is included with Fetch.
Lemonade has a sublimit on dental illness coverage
Lemonade charges extra to add dental illness coverage, and even then, reimbursement is capped at $1,000/yr. This may sound high, but a single procedure like a root canal can cost thousands of dollars. Fetch has complete dental coverage for every tooth, plus gums, up to your max annual payout.
With Fetch, you’ll save money on your pet’s medications & more
Fetch gives you 100% reimbursement for hundreds of qualifying pet meds† when you use Fetch Pet Rx. Fetch Members also get access to ongoing discounts to save on their pet’s everyday needs with Fetch Deals. Lemonade doesn’t have 100% reimbursement on meds and doesn’t offer ongoing savings on essentials.
Fetch’s optional Wellness plan covers more than Lemonade’s preventive care add-on
Both Fetch and Lemonade offer preventive coverage as an optional add-on to your standard accident and illness pet insurance plan. Fetch Wellness provides more coverage for preventive care than Lemonade, including heartworm tests, microchipping, blood tests and urinalysis. Lemonade’s preventive care add-on does not offer reimbursement for any of those.
When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy (think: annual exams, vaccinations, dental cleanings and more). With coverage for both unexpected vet visits and preventive care, you’ll have the full package for your pet’s happiest, healthiest life.
Fetch vs. Lemonade: customer ratings & reviews
Fetch is Rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents. Fetch is also top-rated on Google and the Fetch app has 4.8 stars on The Apple App Store. Read reviews from pet parents who signed up with Lemonade but decided to switch to Fetch instead.
Top-rated on
“I tried Lemonade and didn't enjoy it. All customer service was done through email. It felt impersonal. Fetch so far has been great. Prices are great in comparison to other pet insurance companies. I feel like my pet is in good hands.”
Natasha Singh, Fetch Member on Google
Top-rated on the Apple App Store
“I had a pet insurance policy through Lemonade first and it was twice as much monthly as Fetch is and it was for HALF the coverage. The Fetch app is really easy to navigate and use and submitting a claim is very easy and fast. I love Fetch Pet Insurance.”
Ellen M., Fetch Member on App Store
Questions about how Fetch compares to Lemonade, answered
Does Fetch cover more than Lemonade pet insurance in the base plan?
Can I switch from Lemonade to Fetch Pet Insurance?
Is Lemonade pet insurance available in Canada?
Does Fetch Pet Insurance offer an unlimited annual coverage limit?
Which is better for dog parents — Fetch or Lemonade pet insurance?
Does Fetch Pet Insurance cover pre-existing conditions?
What's the difference between Fetch and Lemonade pet insurance waiting periods?
