65% of new pet owners under 30 skip insurance. Fetch offers lower deductibles and faster reimbursements than Lemonade, which can be advantageous when a puppy needs its first vet visit. The lower deductible means you pay less out-of-pocket before coverage kicks in, and Fetch's reimbursement timeline is shorter, reducing the wait for funds. For families with a new pet, the combination of lower cost and faster access to money can be critical during an emergency.
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