Fetch vs. Lemonade
Fetch
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General info
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General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
General info
Coverage Type
Covered Pets
Reimbursement Rate
Annual Coverage Limit
Annual Deductible
Enrollment Age (Dog)
Enrollment Age (Cat)
Health Questionnaire
Claim Reimbursement Time
Routine care
Emergency Visits
Regular Vet Visits
Specialist Consultations
Medication
Hospitalization & surgery
Hospitalization
Ambulance Services
Surgery
Lab care & imaging
Imaging
Lab Tests
Radiotherapy
Dentition
Dental Care
Teeth Cleaning
Prevention & specific care
Vaccinations
Anti-Parasitics
Neutering (Dog)
Neutering (Cat)
Identification
Additional guarantees
Lifetime Coverage
Waiting Period (Accident)
Waiting Period (Illness)
Hygiene
Alternative Therapies
Foreign Care
Death
Cremation
Euthanasia
Loss/Theft
Boarding Fees
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Accident & Illness
Dogs & Cats
Up to 90%
From $5,000 to unlimited
Between $250 and $1,000
From 6 weeks
From 6 weeks
N.C.
As fast as 2 days
Covered
Annual health check required
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Full dental illness/accident
Not covered
Not covered
Not covered
Not covered
Not covered
N.C.
N.C.
5 days
15 days
Not covered
Covered
Covered
Covered
N.C.
Not covered
Covered
Covered
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Accidents & illnesses
Dogs & cats
70%, 80%, or 90%
$10,000 or unlimited
$200, $350, or $500
Min 6 weeks, no max
Min 6 weeks, no max
Veterinary exam required
Avg 6 days (max 30)
Included
Included
Included
Prescribed meds & supplements covered
Included
N.C.
Included
Included
Included
N.C.
Included
Covered in wellness add-on
Wellness add-on only
Not covered
Wellness add-on only
Wellness add-on only
N.C.
N.C.
15 days
15 days
Not covered
Included
N.C.
Included
N.C.
Included
Included
Included
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Accident & Illness
Dogs & Cats
80%
$20,000
$250
N/A
N.C.
Yes
Fast
Covered
Not Covered
Covered
Covered
Covered
N.C.
Covered
Covered
Covered
N.C.
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
Not Covered
N.C.
2 days
14 days
Not Covered
Not Covered
N.C.
Not Covered
Not Covered
Covered if prescribed
Not Covered
Not Covered
Fetch Fetch Pet Insurance | Fetch AARP Pet Insurance by Fetch | Lemonade Pet Insurance | |
|---|---|---|---|
Coverage Type | Accident & Illness | Accidents & illnesses | Accident & Illness |
Covered Pets | Dogs & Cats | Dogs & cats | Dogs & Cats |
Reimbursement Rate | Up to 90% | 70%, 80%, or 90% | 80% |
Annual Coverage Limit | From $5,000 to unlimited | $10,000 or unlimited | $20,000 |
Annual Deductible | Between $250 and $1,000 | $200, $350, or $500 | $250 |
Enrollment Age (Dog) | From 6 weeks | Min 6 weeks, no max | N/A |
Enrollment Age (Cat) | From 6 weeks | Min 6 weeks, no max | N.C. |
Health Questionnaire | N.C. | Veterinary exam required | Yes |
Claim Reimbursement Time | As fast as 2 days | Avg 6 days (max 30) | Fast |
Emergency Visits | Covered | Included | Covered |
Regular Vet Visits | Annual health check required | Included | Not Covered |
Specialist Consultations | Covered | Included | Covered |
Medication | Covered | Prescribed meds & supplements covered | Covered |
Hospitalization | Covered | Included | Covered |
Ambulance Services | N.C. | N.C. | N.C. |
Surgery | Covered | Included | Covered |
Imaging | Covered | Included | Covered |
Lab Tests | Covered | Included | Covered |
Radiotherapy | N.C. | N.C. | N.C. |
Dental Care | Full dental illness/accident | Included | Not Covered |
Teeth Cleaning | Not covered | Covered in wellness add-on | Not Covered |
Vaccinations | Not covered | Wellness add-on only | Not Covered |
Anti-Parasitics | Not covered | Not covered | Not Covered |
Neutering (Dog) | Not covered | Wellness add-on only | Not Covered |
Neutering (Cat) | Not covered | Wellness add-on only | Not Covered |
Identification | N.C. | N.C. | Not Covered |
Lifetime Coverage | N.C. | N.C. | N.C. |
Waiting Period (Accident) | 5 days | 15 days | 2 days |
Waiting Period (Illness) | 15 days | 15 days | 14 days |
Hygiene | Not covered | Not covered | Not Covered |
Alternative Therapies | Covered | Included | Not Covered |
Foreign Care | Covered | N.C. | N.C. |
Death | Covered | Included | Not Covered |
Cremation | N.C. | N.C. | Not Covered |
Euthanasia | Not covered | Included | Covered if prescribed |
Loss/Theft | Covered | Included | Not Covered |
Boarding Fees | Covered | Included | Not Covered |
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Jordan Mitchell
Personal finance editor
Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification.
Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans.
At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.
