When you purchase through links on our site, we may earn a commission. Here\u2019s how it works<\/a>.<\/p>\n When it comes to protecting your pet<\/strong>, Fetch<\/strong> and Lemonade Pet Insurance<\/strong> are two top contenders, each with their own standout strengths.<\/p>\n Fetch<\/strong> offers all-inclusive policies<\/strong> packed with unique perks, while Lemonade<\/strong> shines with customizable plans<\/strong> and budget-friendly pricing<\/strong>.<\/p>\n Below, I break down their key differences<\/strong> to help you choose the best fit for your furry companion<\/strong>.<\/p>\n Both Fetch<\/strong> and Lemonade<\/strong> offer one accident and illness pet insurance policy <\/strong>and optional wellness plan add-ons<\/strong>.<\/p>\n Fetch\u2019s policy is available in all 50 states<\/strong>, while Lemonade\u2019s is available in 39 states and the District of Columbia<\/strong>.<\/p>\n Both plans cover new accidents and illnesses<\/strong>, including diagnostics and treatment for health conditions.<\/p>\n Coverage includes:<\/p>\n * These items are included in Fetch\u2019s base policy but require add-ons with Lemonade.<\/em><\/p>\n Neither insurer covers pre-existing conditions, pregnancy, breeding,<\/strong> or unnecessary cosmetic procedures<\/strong> (e.g., tail docking, dew claw removal, ear cropping).<\/p>\n Examples of covered conditions from both providers\u2019 base pet insurance policies include:<\/p>\n *Curable pre-existing conditions: if there have been no signs or symptoms within the last year. <\/em><\/p>\n Any condition with symptoms before enrollment<\/strong> or during the waiting period<\/strong> is not covered.<\/p>\n One major difference between the two: Fetch includes all of these items in its base policy<\/strong>, while Lemonade requires separate add-ons<\/strong> (called riders) for some of them.<\/p>\n With Lemonade, you\u2019ll need to pay extra to cover:<\/p>\n This means Fetch takes an all-inclusive approach<\/strong>, giving you broad coverage from the start. Lemonade, on the other hand, lets you customize coverage<\/strong> based on your needs and budget, which could save you money if you don\u2019t want everything.<\/p>\n Additionally, both Fetch and Lemonade offer optional wellness plans<\/strong> to help pay for routine and preventive care.<\/p>\n Fetch offers three tiers<\/strong>, while Lemonade has two<\/strong>. Depending on which you choose, coverage can include things like: <\/p>\n![\"Two](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/two-dogs-playing-with-a-pink-frisbee-in-the-grass-1024x633.jpg\")
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\u2020Lemonade Plan Restrictions: Some breeds have specific age limitations for enrollment.<\/em><\/figcaption><\/figure>\nCoverage Comparison<\/h2>\n
![\"Lemonade](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/Lemonade-pet-insurance-available-map-May-2025-1024x796.jpg\")
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Covered Conditions<\/h3>\n
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![\"Small](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/fetch-pet-insurance-waiting-period-png-1024x630.jpg\")
<\/figure>\n<\/div>\nPolicy Coverage Differences<\/h3>\n
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Fetch vs Lemonade Coverage Comparison Chart<\/h3>\n
![\"fetch](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/fetch-logo-250-transparent.png\"){kind=logo}
<\/a><\/th>\n![\"lemonade](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/lemonade-logo-250-transparent.png\"){kind=logo}
<\/a><\/th>\n<\/tr>\n<\/thead>\n\n![\"Poodle](\"https:\/\/www.caninejournal.com\/wp-content\/uploads\/Poodle-with-money-dollar-bills-isolated-on-a-white-background-1024x569.jpg\")
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