What the plan covers
Accidents, illnesses, diagnostics, procedures, surgery and prescription medication. Exam fees, physical therapy, dental cleanings, behavioral care and vet-visit fees are sold as separate add-on packages, so compare the fully loaded quote rather than the headline price.
The claims experience
Claims are filed in the app with a photo of the invoice. Straightforward claims are frequently approved automatically within minutes, which is the fastest turnaround of any carrier we compare. Complex claims still route to a human reviewer.
Pricing and value
Quotes often start around $19 per month for a young cat. For a healthy puppy or kitten in a supported state, Lemonade is usually the cheapest way to get real accident and illness protection in place.
Who should skip it
If your state is not supported, or if you want exam fees and dental illness in the base policy without stacking add-ons, choose Fetch.