Compare Lemonade Pet Insurance vs. Fetch

Compare and find the best coverage for your pet (even if it's not ours).

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Fetch pet insurance vs. Lemonade Comparison

Both Lemonade and Fetch pet insurance plans include coverage for vet bills related to accidents and illnesses, but it’s important to understand the differences so you can find the perfect fit for you and your furry companion. 

Lemonade Pet can handle claims at lightning speed, offers a broader range of annual coverage options, and extra opportunities for discounts—like when you cover more than one pet, or by bundling more than one Lemonade insurance offering.

Let’s get into the nitty gritty of how Fetch stacks up to Lemonade Pet.

Lemonade pet insuranceFetch pet insurance
Mobile appYesYes
Instant claims handlingYesNo
Time limit to submit a claim180 days90 days
Annual coverage limit options$5,000, $10,000, $20,000, $50,000, or $100,000$5,000, $10,000, or $15,000
Co-insurance options (aka reimbursement rate)70%, 80%, or 90% of eligible vet bills70%, 80%, or 90% of eligible vet bills
Deductible options$100, $250, $500 annual deductible$250, $300 and $500
CancellationAny time on the Lemonade appNeed to cancel over the phone, during business hours
Multi-pet discountYesNo
Bundle discountYesNo
Additional insurance productsRenters, Homeowners, Car, LifeNone
Availability of certain features may depend on purchasing additional add-ons or Preventative Care packages with Lemonade.

The Lemonade app revolutionizes insurance and claims handling, making the process smoother and more user-friendly than Fetch 

Lemonade Pet elevates pet insurance through the power of AI and machine learning. The Lemonade app is designed to streamline everything from getting a quote to filing a claim, turning what used to be a cumbersome process into an experience that’s quick and easy (and maybe even a little fun).

When you buy a Lemonade Pet policy—and any other Lemonade policy—you can customize your coverage details, all in the palm of your hand. The app’s intuitive design means you could spend less time figuring out your policy, and more time enjoying life with your furry friend.

Tech also helps Lemonade process claims at lightning speed, with roughly 50% of Lemonade Pet claims being handled instantly, and 80% of claims handled within 5 days. 

Fetch also offers a mobile app, but their process doesn’t leverage the same level of AI integration and mobile-first design. A typical claim with Fetch is handled in around 15 days.

Fetch focuses solely on pet insurance. Lemonade offers more than just pet insurance, so you can cover the things you care about in one place—and become eligible for bundle discounts

At Lemonade, we’re not just about keeping your furry friends happy and healthy, we’ve got your back on other fronts too. Think of us as your one-stop-shop for insurance needs—with Lemonade offering renters, homeowners, car, pet, and term life insurance.

When you bundle any combination of Lemonade policies together you’ll be eligible for savings on all of those policies. (With the exception of the term life insurance policy, but you’d still be eligible for a discount on your pet policy if you bundle life and pet.)  

In addition to the obvious savings, you gain the convenience of accessing all your policies—and filing all claims—through a single, easy-to-use app.

Let’s say you bundle a Lemonade pet insurance policy with a Lemonade Renters policy. You could see a drop in both of your premiums, making both essential coverages more affordable.

On the flip side, Fetch focuses solely on pet insurance, which means you might find yourself juggling multiple insurers or platforms for your other insurance needs, and you’d miss out on those sweet bundle discounts. 

Lemonade Pet gives you the power to choose from a broad range of your annual limit options, to help protect both your furry friend and your wallet

Lemonade lets you easily select from a range of annual limit options when you’re building your pet insurance policy, which keeps you in charge of your premiums and your coverage.

An annual limit is the maximum amount your pet insurer will pay out on claims over the course of a year, after co-insurance and your annual deductible are applied. With Lemonade Pet, you can choose an annual limit between $5,000 and $100,000. Plus, Lemonade’s Preventative Care Packages and some other policy add-ons might be subject to their own, separate limits.

This might sound like a lot of kibble, but common veterinary procedures and diagnostics like MRI’s, general surgery, or cancer treatments can cost well over $1,000 a pop. Not to mention overnight vet stays, which can set you back up to $1,700 a night or more.

On the other hand, Fetch only offers annual limits from $5,000 to $15,000.

Lemonade Pet gives you more control over your finances by offering a broader range of coverage options. Just don’t forget that opting for a higher annual limit will probably lead to a higher premium. 

Lemonade Pet offers extensive coverage for end-of-life and remembrance services, while Fetch pet insurance offers a more limited scope in this area

As much as we all dread the thought of losing a pet, Lemonade Pet is here to support you and your pet when they make their journey over the rainbow bridge. 

Lemonade pet insurance offers an end-of-life and remembrance add-on to help reimburse costs related to vet-recommended euthanasia, cremation, and even help pay for commemorative items—for things like an urn, framed pictures of paw prints, digital photo storage, or even a tattoo to help you memorialize and remember your pet

Notably, Lemonade’s end-of-life and remembrance add-on still offers coverage if your vet recommends euthanasia as the result of a pre-existing condition.

Fetch offers a more limited scope in this area, only covering euthanasia for eligible accidents and illnesses. While this coverage is certainly important, it doesn’t encompass the broader range of emotional support and honoring of your pet’s memory you might be looking for in the future. 

Click below to start your free Lemonade pet insurance quote. It’s easy to build, and easy to compare.

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Tips for comparing pet insurance plans

Finding the right pet insurance for you and your fur fam depends a lot on your priorities, whether that’s finding the most comprehensive coverage, the cheapest rates, a hassle-free digital experience, and so much more. 

Let’s swing through some of the main factors that might be important to you when choosing a pet insurance provider, and some questions to consider for each.

Coverage options

Base pet insurance plans typically cover the treatment of eligible accidents and illnesses. Check the specifics of what’s covered under a base policy, the waiting periods for certain conditions, and exclusions. Also look for how customizable the policy is and what optional coverages are offered—like preventative care, and add-ons.

Balance between cost and coverage

The scope of what’s included in the price of a base pet insurance plan can vary widely among providers, and might require a more intricate comparison. Carefully examine the premiums, deductibles, and co-insurance offered by each provider, then compare it to the range of healthcare services covered, and what you might end up needing to pay if you file a claim. 

Discounts and perks

Who doesn’t love saving some greens, or making life as a pet parent a tad simpler? Some pet insurance providers—including Lemonade—offer discounts for things like insuring multiple pets and bundling policies, as well as extra perks, like access to Chewy’s Connect with a Vet service. 

Option to bundle

Some providers only offer pet insurance plans, while others can cover all the things you care about in one place—like your stuff, your car, and your pets. For example, when you bundle more than one Lemonade policy such as renters, homeowners, car, or pet insurance, you could be eligible for a discount on each policy, on top of enjoying the ease of managing all of your policies, and filing any claims, in one place (we’re talking about the Lemonade app).

Seamless experience

From building a quote, to managing your policy, to filing a claim—remember that insurance doesn’t need to be a hassle. Some insurance companies—including Lemonade—built their platforms with user-friendliness in mind, ensuring that each step is straightforward and stress-free for pet parents.

Customer reviews

Getting the inside scoop from the pet parent community about their experiences with their pet insurance provider can help you make a more informed choice. Websites like Consumer Reports, Better Business Bureau (BBB), NerdWallet are reputable sources for customer reviews and rankings of pet insurance companies. (Did we mention that the Lemonade app has a 4.9 star rating on the App Store?)

Social impact

Choosing a pet insurance that vibes with your values is the cherry on top of an awesome policy sundae. Some providers support causes you care about such as animal rescue shelters and animal rights organizations—like the Lemonade Giveback, which helps support organizations like SPCA International and The Humane Society.

Comparison information is provided using publicly available information as of May 2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected].

This product information is for descriptive purposes only and does not provide a complete summary of any company’s coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval.  If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

For the full terms of Lemonade pet Insurance policies visit Products and rates may vary and are subject to change. Discounts may vary and are subject to change. 

Residents of DE, LA, ME, MS, NE, NH, WA, will receive an Insurer Disclosure of Important Policyholder Provisions in the quote flow and policy documents.

Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251.

Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.