Pet insurance, answered on the first screen
What pet insurance covers, what it costs, and what the fine print says - every fact read from the brand's own official page, with its source and check date.
What it is: pet insurance reimburses you for covered vet bills — you pay the vet, submit a claim, and get paid back after the claim is processed.
What it costs (brands' own published figures): Lemonade from $10/mo · Spot dogs from $15/mo, cats from $9/mo · Fetch averages $35/mo dogs, $22/mo cats.
Waiting periods: Lemonade 14 days illness / 30 days orthopedic · Spot typically 14 days (state-specific) · Fetch up to 15 days.
Promo codes: none of the three publishes a promo code page in its official sitemap (checked 2026-09-24). Real discounts are listed on each brand page.
Every line above is sourced in the tables below and on each brand page, with the official URL and check date.
The three brands at a glance
Lemonade pet insurance
Starts at $10/mo
Basic accident and illness coverage; actual price varies by coverage choices, breed, age and location (Lemonade cost guide, last updated Jun 3, 2026).
Source: https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ · checked 2026-09-24
Lemonade pet insurance starts at $10/month for basic accident and illness coverage, reimburses on a customizable co-insurance/deductible basis, and pays claims through its app.
Spot pet insurance
Dogs from $15/mo, cats from $9/mo
Advertised premiums: the dog figure is from an accident and illness plan with 80% reimbursement rate, $500 annual deductible and $2,500 annual limit for a 2-year-old small mixed dog (11-25 lbs) in ZIP 32009; the cat figure is from 80% reimbursement, $750 annual deductible and $2,500 annual limit for a 2-year-old mixed cat in ZIP 33801. Plan costs vary.
Source: https://spotpet.com/ · checked 2026-09-24
Spot pet insurance advertises dog plans from $15/month and cat plans from $9/month, reimburses up to 90% of covered vet bills, and pays most claims in under 2 business days.
Fetch pet insurance
Avg $35/mo dogs, $22/mo cats
Based on U.S. annual premiums using the most common coverage configuration of a $10,000 annual limit, $300 deductible and 80% reimbursement rate for the period 07.01.2024 through 06.30.2025.
Source: https://www.fetchpet.com/pet-insurance-cost · checked 2026-09-24
Fetch pet insurance averages $35/month for dogs and $22/month for cats on its own published figures, reimburses up to 90% of covered vet bills, and covers exam fees up to $250 per sick visit.
Facts with sources
| Fact | Condition to get it | Official source page | Checked |
|---|---|---|---|
| Pet insurance reimburses you for the cost of covered vet bills: you take your pet to the vet, pay the bill, then submit a claim and receive reimbursement after the claim is processed. | General mechanism as described in Spot's official FAQ; each brand's exact terms differ. | https://spotpet.com/ | 2026-09-24 |
| Published entry prices across the three brands: Lemonade from $10/month, Spot from $15/month for dogs and $9/month for cats, Fetch averages $35/month for dogs and $22/month for cats. | Each figure carries its own conditions on the brand pages: Lemonade is basic accident and illness coverage; Spot's figures assume specific reimbursement/deductible/limit settings for specific pets; Fetch's figures are averages for a $10,000 annual limit, $300 deductible and 80% reimbursement over 07.01.2024-06.30.2025. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Waiting periods differ by brand: Lemonade 14 days for illnesses and 30 days for orthopedic conditions, Spot typically 14 days (state-specific), Fetch up to 15 days for accident and illness. | Each figure read from that brand's own official page or sample policy page. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| All three brands state they do not cover pre-existing conditions. | Lemonade, Spot and Fetch each state this in the FAQ on their own official sites; Spot adds a 180-day symptom- and treatment-free rule for curable conditions. | https://spotpet.com/ | 2026-09-24 |
| Two of the three publish reimbursement 'up to 90%' (Spot and Fetch); Lemonade instead lets you customize co-insurance, deductible and annual limit. | Read from each brand's own official pages. | https://www.fetchpet.com/ | 2026-09-24 |
| None of the three brands publishes a promo code page in its official sitemap (checked 2026-09-24). The discounts that do exist on their own sites are multi-pet/bundle/annual-pay (Lemonade), multi-pet/employee/Spot Perks (Spot), and military 10%/Fetch Deals (Fetch). | Sitemaps of lemonade.com, spotpet.com and fetchpet.com checked on 2026-09-24; no URL matching promo or coupon found on any of them. | https://www.lemonade.com/sitemap.xml | 2026-09-24 |
FAQ
What is pet insurance?
Pet insurance reimburses you for the cost of covered vet bills. You take your pet to the vet and pay the bill, then submit a claim and get reimbursement after the claim is processed. Which treatments are covered, the deductible, the reimbursement percentage and the annual limit all depend on the plan you choose and the brand's policy terms.
Source: https://spotpet.com/ · checked 2026-09-24
How much does pet insurance cost?
On the brands' own published figures: Lemonade starts at $10/month (basic accident and illness) and averages around $48/month for dogs and $27/month for cats; Spot advertises from $15/month for dogs and $9/month for cats under specific plan settings; Fetch averages $35/month for dogs and $22/month for cats for a $10,000 annual limit, $300 deductible and 80% reimbursement over 07.01.2024-06.30.2025. Your price depends on your pet's age, breed, your location and the coverage you pick.
Source: https://www.fetchpet.com/pet-insurance-cost · checked 2026-09-24
How long are pet insurance waiting periods?
Lemonade: 14 days for illnesses and 30 days for orthopedic conditions. Spot: typically 14 days, with state-specific variations listed in its sample policy. Fetch: up to 15 days for accident and illness coverage.
Source: https://www.lemonade.com/pet-insurance · checked 2026-09-24
Does pet insurance cover pre-existing conditions?
No. All three brands state that pre-existing conditions are not covered. Spot adds that a curable condition which has been symptom-free and treatment-free for 180 days is no longer considered pre-existing and can become eligible.
Source: https://spotpet.com/ · checked 2026-09-24
Are there legitimate pet insurance promo codes?
None of the three brands publishes a promo code page in its official sitemap (checked 2026-09-24). The discounts that exist on their own sites are: Lemonade - multi-pet, bundle and annual-payment discounts; Spot - 10% off for each pet after the first, an advertised 20% employee discount via employer benefits (composed of up to 10% group plus up to 10% multi-pet on 2nd+ pets, varies by state) and Spot Perks brand discounts; Fetch - 10% off for veterans and active military (maximum available discount is 10%) and Fetch Deals member savings.
Source: https://www.fetchpet.com/faqs/military-pet-insurance-discount · checked 2026-09-24
Which vets can I use with pet insurance?
All three brands state you can use any licensed vet: Lemonade says any licensed vet in the United States, Spot says any licensed vet in the United States or Canada, Fetch says any veterinarian in the U.S. or Canada including specialists and emergency clinics.
Source: https://www.fetchpet.com/ · checked 2026-09-24