Pet insurance: Fetch by The Dodo vs. Lemonade Pet Insurance
Quick Verdict
Both offer comprehensive accident and illness coverage with different strengths; Lemonade excels in waiting periods and discounts, while Fetch provides broader coverage in its base plan.
- Lemonade offers shorter accident waiting periods and a multi-pet discount.
- Fetch by The Dodo includes dental, behavioral, and physical therapy coverage in its comprehensive plan.
- Lemonade has higher annual coverage limit options.
Key features – Side-by-Side
| Attribute | Fetch by The Dodo | Lemonade Pet Insurance |
|---|---|---|
| Accident and Illness Coverage | Comprehensive, including dental, behavioral, and physical therapy. | Covers diagnostics, procedures, and medications for new accidents and illnesses. |
| Preventive Care Options | Wellness add-on available for extra cost. | Available as an add-on, includes puppy/kitten package. |
| Waiting Periods | 15 days (accident/illness), 6 months (orthopedic, can be waived). | 2 days (accident), 14 days (illness), 6 months (ligament), 30 days (orthopedic). |
| Annual Coverage Limit Options | $5,000, $10,000, or $15,000. | $5,000 to $100,000. |
| Deductible Options | $300, $500, $700, other options from $250 to $2,500. | $100 to $750 annually. |
| Multi-Pet Discount | Not available. | Up to 10%. |
| 24/7 Vet Chat or Helpline | Not available via phone or video, covers telehealth up to $1,000/year. | Not available. |
Overall Comparison
Waiting Periods: Lemonade wins; Coverage: Fetch wins; Discounts: Lemonade wins; Coverage Limits: Lemonade wins
Pros and Cons
Fetch by The Dodo
Pros:
- Comprehensive accident and illness coverage
- Coverage for dental illnesses and injuries
- Coverage for behavioral treatments
- Coverage for physical therapy
- Covers hereditary conditions (with stipulations)
- Covers congenital conditions (with stipulations)
- Covers chronic conditions (with stipulations)
- No upper age limits
- Coverage for alternative therapies like acupuncture and chiropractic care (if prescribed by a vet)
- Coverage for remote telehealth treatment
Cons:
- No multi-pet discount
- No 24/7 vet helpline via phone or video
- 15-day waiting period for accident and illness coverage is longer than some competitors
- Doesn't cover pre-existing conditions (with some exceptions for curable conditions)
- Doesn't cover cosmetic procedures, experimental treatments, or treatments related to breeding or pregnancy
Lemonade Pet Insurance
Pros:
- Short accident waiting period (2 days)
- Covers hereditary conditions (if not pre-existing)
- Covers congenital conditions (if not pre-existing)
- Multi-pet discount of up to 10%
Cons:
- No 24/7 vet chat or helpline
- Exam/visit fees only covered with add-on
- Dental illness coverage requires an add-on
- Alternative medicine not covered without physical therapy add-on
User Experiences and Feedback
Fetch by The Dodo
What Users Love
- No highlights reported.
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.
Lemonade Pet Insurance
What Users Love
- No highlights reported.
Common Complaints
- No major complaints reported.
Value Perception
- No value feedback reported.