Pet insurance promo codes and official discounts: what the brands actually publish
Quick answer: none of the three brands publishes a promo code you can type in at checkout - there is no promo-code or coupon page for the policy in Lemonade's, Spot's or Fetch's official sitemap as checked on 2026-09-25. The official ways to pay less are published discounts instead: Lemonade offers up to 10% multi-pet, up to 5% for paying annually and up to 10% for bundling other Lemonade policies; Spot offers 10% off every pet after the first and up to 20% through employers; Fetch offers 10% every month for life for veterans, active military and AARP members, 10% for a whole year for Walmart shoppers, and caps any discount at 10%.
Every figure on this page was read from the brand's own official site and carries its source link and check date.
How this guide is built
Every discount on this page was read from the brand's own site - its renewals page, FAQ, employers page, partner pages or terms - on 2026-09-25, and each row links to the page it came from. Where a brand does not publish a discount, the cell says not published on the official site rather than filling the gap with a number from a coupon aggregator. Third-party promo-code sites are not used as sources here, because a code that cannot be verified against the official pages cannot be trusted.
The honest headline for the search term pet insurance promo code: there is no code to enter. All three official sitemaps were checked for a promo-code or coupon page and none exists - what exists is a set of standing discounts, each with its own eligibility rules and state limits.
Every official discount, side by side
| What we compare | Lemonade | Spot | Fetch |
|---|---|---|---|
| Promo code you can enter at checkout | not published on the official site | not published on the official site | not published on the official site |
| Multi-pet discount | Up to 10% off, applied automatically when more than one canine or feline is signed up for Lemonade Pet source: www.lemonade.com | 10% off each additional pet - 10% on the 2nd pet and every pet enrolled after that source: spotpet.com | not published on the official site |
| Annual (pay-in-full) discount | Up to 5% off when you pay for a full year of Lemonade Pet at renewal, plus Lemonade waives the monthly $1 transaction fee source: www.lemonade.com | not published on the official site | not published on the official site |
| Bundle discount (other policies with the same brand) | Up to 10% off if you have Lemonade renters, homeowners, car or life insurance source: www.lemonade.com | not published on the official site | not published on the official site |
| Employer / group discount | not published on the official site | Up to 20% off: up to 10% group discount plus up to 10% multi-pet discount on 2nd+ pets - discounts vary by state, are subject to change and are not available in all states source: spotpet.com | not published on the official site |
| Military discount | not published on the official site | not published on the official site | Veterans and active military save 10% on their Fetch policy every month for life source: www.fetchpet.com |
| Membership partner discount | not published on the official site | not published on the official site | AARP members get 10% off Fetch Pet Insurance every month for life source: www.fetchpet.com |
| New-customer sign-up offer | not published on the official site | not published on the official site | The homepage shows a limited-time $25 gift card sign-up offer (plus a $25 shelter donation) while the same page's footnote states 'Gift Card offer expires 11:59PM ET on February 21, 2026' - a date already past at check time, so verify the current terms at checkout source: www.fetchpet.com |
| Member perks outside the premium | Rover gift card for new Lemonade pet parents: it unlocks 2 months after your policy starts, the code appears in the app, expires one year from issue date, one code per account source: www.lemonade.com | Spot Perks: member promo codes from third-party brands - its terms state Spot Perks are not insurance and that a code may be unique to Spot even when the same promotion is available from the merchant source: spotpet.com | Fetch Deals: over $1,500 in savings with an average of $40+ per order, included in every policy at no extra cost and available on day one source: www.fetchpet.com |
| Fine print on the discounts | All Lemonade Pet discounts apply only to the base accident and illness policy plus the vet visit fee and physical therapy add-ons - Preventative Care packages and other add-ons get no discount, and the discounts might not be available in every state source: www.lemonade.com | Discounts vary by state and are subject to change; not available in all states source: spotpet.com | Discounts and offers are subject to approval and may change at any time; maximum available discount is 10%, may not be available in all states and is not valid with any other offer source: www.fetchpet.com |
What each brand actually offers
Lemonade runs the broadest menu: up to 10% multi-pet applied automatically, up to 5% for paying annually at renewal (plus the monthly $1 transaction fee waived) and up to 10% for bundling other Lemonade policies - but all three apply only to the base accident and illness policy plus the vet visit fee and physical therapy add-ons, never to Preventative Care packages or other add-ons. New customers also get a Rover gift card that unlocks 2 months after the policy starts, one per account.
Spot keeps it simpler: 10% off every pet after the first, up to 20% for employees of participating employers (10% group + 10% multi-pet, state-limited), and Spot Perks - third-party member promo codes that its own terms say are not insurance. Spot also publishes a Pet Supermarket dog-wash offer, again a perk rather than a premium discount.
Fetch focuses on membership offers: 10% every month for life for veterans, active military and AARP members, 10% every month for a whole year for Walmart shoppers, plus Fetch Deals (over $1,500 in savings, $40+ average per order) inside every policy. Fetch caps everything at a maximum of 10% that is not valid with any other offer.
Every discount with its official source
| Fact | Condition to get it | Official source page | Checked |
|---|---|---|---|
| Lemonade offers an automatic discount of up to 10% when more than one canine or feline is signed up for Lemonade Pet. | Applied to your policies automatically; eligibility for Lemonade's multi-pet discount also depends on where you live. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ | 2026-09-25 |
| Lemonade offers up to 5% off when you pay for a full year of Lemonade Pet at renewal, and waives the monthly $1 transaction fee. | Stated on the official renewals page; annual payment is chosen at renewal. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ | 2026-09-25 |
| Lemonade offers up to 10% off if you hold Lemonade renters, homeowners, car or life insurance. | Bundle discount as published on the official renewals page. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ | 2026-09-25 |
| All Lemonade Pet discounts (multi-pet, bundle and annual payment) apply only to the base accident and illness policy plus the vet visit fee and physical therapy add-ons. | Preventative Care packages and other add-ons get no discount applied to their pricing. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ | 2026-09-25 |
| Lemonade states its pet discounts might not be available in every state. | Stated on the official renewals page; availability varies by state. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ | 2026-09-25 |
| Lemonade's referral program limits rewards to 10 qualified referrals over 12 months. | Available to individuals residing outside LA, MI, MS, WA and WV who are in good standing with a Lemonade policy; a purchase of insurance is not required for the referred person to qualify the referral. | https://www.lemonade.com/terms-and-conditions-referral-program | 2026-09-25 |
| New Lemonade pet parents get a Rover gift card that unlocks 2 months after the policy starts, with the code appearing in the Lemonade app. | Gift card codes expire one year from the issue date; only one code is provided per account, not per policy. | https://www.lemonade.com/pet/insurance-guide/lemonade-pet-insurance-faq/ | 2026-09-25 |
| Spot offers a 10% multi-pet discount on the 2nd pet and every pet enrolled after that. | Discounts vary by state and are subject to change; more information is shown at checkout. | https://spotpet.com/insurance-for-multiple-pets | 2026-09-25 |
| Spot's FAQ states that Spot plans offer a multi-pet discount of 10% off each additional pet that is added. | Each pet gets its own independent policy, so coverage settings can differ per pet. | https://spotpet.com/faqs | 2026-09-25 |
| Spot advertises up to 20% off for employees: up to a 10% group discount plus up to a 10% multi-pet discount on 2nd+ pets. | Footnote on the official employers page: discounts vary by state, are subject to change and are not available in all states; enrollment is through a cobranded link with direct billing. | https://spotpet.com/employers | 2026-09-25 |
| Spot Perks gives members access to third-party promo codes; its terms state Spot Perks are not insurance. | Terms also state the discount code may be unique to Spot while the underlying promotion may also be available directly from the merchant. | https://spotpet.com/perks-terms | 2026-09-25 |
| Spot Perks gives access to $2,500+ in discounts on pet brands. | Stated on spotpet.com: no purchase necessary, based on total combined Spot Perks discounts applied to average vendor cart value; terms at spotpet.com/perks-terms. | https://spotpet.com/ | 2026-09-25 |
| Spot publishes a Pet Supermarket offer of 50% off a self-service dog wash for members. | Barcode presented in store; it is a perks offer, not a discount on the insurance premium. | https://spotpet.com/pet-supermarket-offer | 2026-09-25 |
| Fetch gives veterans and active military 10% off their Fetch Pet Insurance policy every month for life. | Stated in the official military discount FAQ. | https://www.fetchpet.com/faqs/military-pet-insurance-discount | 2026-09-25 |
| Fetch gives AARP members 10% off Fetch Pet Insurance every month for life. | Stated on the official AARP partner page; provider offers are subject to change and may have restrictions. | https://www.fetchpet.com/partners/aarp | 2026-09-25 |
| Fetch gives Walmart shoppers 10% off Fetch Pet Insurance every month for a whole year. | Stated on the official Walmart partner page. | https://www.fetchpet.com/partners/walmart | 2026-09-25 |
| Fetch states that discounts and offers are subject to approval and may change at any time, with a maximum available discount of 10%. | The maximum discount may not be available in all states and is not valid with any other offer (footnote on the official pricing FAQ). | https://www.fetchpet.com/faqs/monthly-payments | 2026-09-25 |
| Fetch Deals gives members over $1,500 in savings with an average of $40+ per order, included at no extra cost. | Available on day one of the policy; the average is derived from actual Fetch member purchase data and individual results vary. | https://www.fetchpet.com/deals | 2026-09-25 |
| Fetch's homepage shows a limited-time sign-up offer of a $25 gift card plus a $25 shelter donation. | The same page's footnote reads 'Gift Card offer expires 11:59PM ET on February 21, 2026', a date already past as of the 2026-09-25 check - confirm current terms at checkout. | https://www.fetchpet.com/ | 2026-09-25 |
| None of the three official sitemaps lists a promo-code or coupon page for the insurance policy. | Lemonade's sitemap.xml (29 URLs), Spot's sitemap index and Fetch's sitemap.xml were all checked on 2026-09-25; the offer pages that do exist are Spot Perks, Spot's multi-pet page and Fetch Deals, none of which is a policy promo code. | https://www.lemonade.com/sitemap.xml | 2026-09-25 |
FAQ
Is there a valid pet insurance promo code for Lemonade, Spot or Fetch?
Not on their own sites as of 2026-09-25: none of the three official sitemaps lists a promo-code or coupon page for the policy. The official discounts that do exist are tabled above - multi-pet, annual and bundle for Lemonade, multi-pet and employer for Spot, military, AARP, Walmart and Fetch Deals for Fetch. Any code sold on a third-party coupon site cannot be verified against these official pages, so this guide does not repeat them.
Source: https://www.lemonade.com/sitemap.xml · checked 2026-09-25
What is the biggest official pet insurance discount?
Spot's employer program: up to 20% off, made of up to 10% group discount plus up to 10% multi-pet discount on the 2nd and later pets - with the footnote that it varies by state, is subject to change and is not available in all states. Fetch caps every discount at a maximum of 10% and states it is not valid with any other offer. Lemonade's stack tops out at up to 10% multi-pet, up to 10% bundle and up to 5% for annual payment.
Source: https://spotpet.com/employers · checked 2026-09-25
Do insurance discounts apply to wellness plans and add-ons?
For Lemonade, no: all available Lemonade Pet discounts (multi-pet, bundle, annual payment) apply to the price of the base accident and illness policy plus the vet visit fee and physical therapy add-ons, while Preventative Care packages and other add-ons get no discount. Spot and Fetch do not publish a matching statement about add-ons on their official pages, so for those two it is not published on the official site.
Source: https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ · checked 2026-09-25
How do I get the multi-pet discount?
Lemonade applies up to 10% automatically when more than one canine or feline is signed up for Lemonade Pet. Spot applies 10% off each additional pet - the 2nd pet and every pet enrolled after that - and shows more information at checkout. Fetch does not publish a multi-pet discount on its official pages.
Source: https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ · checked 2026-09-25
Are these discounts available in every state?
No, and all three say so: Lemonade states its pet discounts might not be available in every state, Spot's footnotes say discounts vary by state, are subject to change and are not available in all states, and Fetch states its maximum 10% discount may not be available in all states. Your final price is confirmed in each brand's own quote flow.
Source: https://www.lemonade.com/pet/insurance-guide/lemonade-pet-renewals/ · checked 2026-09-25
What is Spot Perks - is it a discount on my premium?
No. Spot Perks is member access to promo codes from third-party pet brands, and its terms state that Spot Perks are not insurance. The terms also note that the code may be unique to Spot even when the same promotion is available directly from the merchant, so it pays to compare before you buy.
Source: https://spotpet.com/perks-terms · checked 2026-09-25
What is Fetch Deals?
Fetch Deals is included in every Fetch policy at no extra cost and is available on day one: the official page advertises over $1,500 in savings and an average of $40+ per order on pet food, grooming products, litter and more. Fetch's own terms note that Fetch Deals is not insurance and is not provided by AXIS Insurance Company.
Source: https://www.fetchpet.com/deals · checked 2026-09-25
The three brands compared, page by page
Lemonade
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).
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
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.
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
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.
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.
This page is not affiliated with Lemonade, Spot or Fetch. It repeats only what each brand publishes on its own official pages, with the source and condition attached to every figure; offers change and your state may be excluded, so always confirm the current price in the brand's own quote flow. Facts last checked 2026-09-25.