Fetch Pet Insurance vs Lemonade

Fetch Pet Insurance

Lemonade

Pet insuranceLast verified Oct 1, 2026

Verified facts for Fetch Pet Insurance and Lemonade, side by side
Field	Fetch Pet Insurance	Lemonade
FoundedDiffers	2003Source: Fetch Pet Insuranceverified 2026-09-30	2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersUnknown on one side	Not verified	New York, New YorkSource: Lemonadeverified 2026-09-30
Insurance productsDiffers	pet Source: Fetch Pet Insuranceverified 2026-09-30	auto homeowners renters life pet Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byDiffers	AXIS Insurance CompanySource: Fetch Pet Insuranceverified 2026-09-30	Legal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableDiffers	all 50 statesSource: Fetch Pet Insuranceverified 2026-10-01	Licensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States available, petUnknown on one side	Not verified	AL AZ AR CA CO CT DE DC FL GA HI IL IN IA KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC TN TX UT VA WA WI Source: Lemonadeverified 2026-09-30
Coverage typesDiffers	Accidents Illnesses Tests Surgeries Medications Online vet visits Physical therapy Acupuncture & chiropractic care Dental & gum disease Cancer treatment Breed-specific issues Source: Fetch Pet Insuranceverified 2026-10-01	personal property crime and vandalism coverage water damage coverage fire and smoke protection liability coverage medical expenses loss of use coverage Source: Lemonadeverified 2026-09-30
Waiting periodsDiffers	no waiting period for accidents; illness coverage begins after a waiting period of up to 15 daysSource: Fetch Pet Insuranceverified 2026-10-01	2 days for accidents 14 days for illnesses 30 days for orthopedic conditions 6 months for cruciate ligament events Source: Lemonadeverified 2026-09-30
Age restrictionsUnknown on one side	no upper-age limits and no breed restrictionsSource: Fetch Pet Insuranceverified 2026-10-01	Not verified
How to get a quoteDiffers	online Source: Fetch Pet Insuranceverified 2026-10-01	online mobile app Source: Lemonadeverified 2026-09-30
How to file a claimDiffers	mobile app (Fetch Pet Insurance app): upload the paid invoice and supporting medical records Source: Fetch Pet Insuranceverified 2026-10-01	mobile app Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers	24/7 chatbot live chat phone Source: Fetch Pet Insuranceverified 2026-10-01	mobile app website Source: Lemonadeverified 2026-09-30
Notable limitationsDiffers	pre-existing conditions are not covered; these are injuries, illnesses or conditions the pet had before signing up or during the waiting period of up to 15 days Source: Fetch Pet Insuranceverified 2026-10-01	Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk Source: Lemonadeverified 2026-09-30
Financial strength ratingsUnknown on one side	Not verified	Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30

Both companies write pet insurance. Of the fields we have verified for either company, 10 differ and 4 are unverified on at least one side. We do not pick a winner and we do not score either company.

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