Lemonade vs. Healthy Paws (2023)

Both Lemonade and Healthy Paws offer freestanding accident/illness pet insurance plans alongside philanthropic-forward businesses models, but each carrier’s policies also have a few key differences that may or may not be a good fit for you.

Lemonade has a leg up with its tech-centric pet healthcare, but as a newcomer to the market, can it compete with the brand authority that Healthy Paws has after insuring pet parents for over a decade?

Our Lemonade vs. Healthy Paws comparative review gives a side-by-side look at what you can expect from each provider’s coverage scope based on:

  • Our overall rating 
  • Inclusions and exclusions
  • Coverage customizability
  • Monthly premiums
  • Preventative care coverage and other elective add-ons
  • Discounts
  • Verified customer reviews

Lemonade vs. Healthy Paws: What Are The Main Coverage Differences?

Provider

Lemonade

Healthy Paws

Our Rating

4.9

4.3

Average Monthly Cost for Dogs

$37

$40 

Average Monthly Cost for Cats

$15

$20

Annual Limit

$5,000 to $100,000

Unlimited

Deductible

$100 to $500 per year

$100 to $1,000 per year (age restrictions may apply)

Reimbursement

70% to 90%

50% to 90% 

(age restrictions may apply)

Preventative/Wellness Option

Yes — three elective add-on plans 

No

Pre-existing Condition Coverage

No

No

Multi-Pet Discount

10% off

No

Lemonade Coverage Overview

Launched in New York in 2015, Lemonade’s fully digital pet healthcare offers an innovative 90-second enrollment experience ideal for millennials and Gen-Z pet owners or anyone else looking for comprehensive coverage right from their personal devices.

All plan management features are accessible via its mobile app or desktop portal, allowing policyholders to have more hands-on control over their policies by interacting directly with Lemonade.

By using AI to power its onboarding, claims processing, and customer support, Lemonade cuts out the middleman and reduces operational costs at the corporate level, translating into more affordable monthly premiums for its users. 

Lemonade offers a fixed accident/illness base plan that a policyholder can personalize by modifying their annual coverage limit, deductible, and reimbursement rate. Customers can also maximize their policies by choosing one of Lemonade’s three optional preventative care riders or tacking on vet exam fees and physical therapy coverage offered as independent add-ons. 

Unfortunately, Lemonade is not yet available nationwide. Only cats and dogs in 37 select states have access to coverage through Lemonade.

What Does Lemonade Cover?

Lemonade’s standard accident and illness plan strictly covers unexpected injuries and ailments that occur only once your pet’s coverage is active after the set waiting period. Covered incidents include but aren’t limited to broken bones, sprains, road accidents, toxic and foreign object ingestions, chronic conditions, congenital conditions like elbow and hip dysplasia, general infections, and more. 

In the event your dog or cat endures any of the incidents mentioned above, Lemonade will reimburse you for the following veterinary services:

  • X-rays, MRIs, CT scans, and ultrasounds
  • Cytology and other diagnostic lab work
  • Blood tests and urinalysis
  • Emergency inpatient care, hospitalizations, and surgery
  • Outpatient or specialty care
  • Vaccines and intravenous medicines
  • Prescription medications

What Does Lemonade Not Cover? 

Both Lemonade and Healthy Paws enforce some finicky age restrictions regarding enrollment eligibility for their policies. Both Lemonade and Healthy Paws won’t cover dogs or cats after they’ve turned 14 years old. 

On a case-by-case basis, Lemonade may deny enrollment to larger dog breeds known to have shorter life expectancies, like Great Danes or Bernese Mountain Dogs, even if they’re under the age limit.

Lemonade also excludes veterinary expenses related to:

  • Pre-existing conditions
  • Prescription diet food and supplements for general health maintenance
  • Boarding or kenneling 
  • Dental illness care
  • Behavioral training
  • Controversial cosmetic procedures — ear cropping, tail docking, declawing, etc. 
  • Grooming, anal gland expression, and nail trimming
  • Illnesses and injuries that arise from neglect
  • Breeding and pregnancy-related care
  • Cremation, burial, and funeral expenses

How Much Does Lemonade Cost?

Lemonade boasts standard coverage that starts as low as $10 per month. However, the average cost of a Lemonade policy sits around $37 per month for dog insurance and $15 for cat insurance. 

Unlike Healthy Paws, which doesn’t offer any preventative care benefits, Lemonade gives pet owners the option to add wellness coverage to their policies for a few extra bucks per month. 

All pets over the age of two are eligible for either:

  1. Basic Preventative package — $15+ per month for dogs and $10+ for cats
  2. Preventative+ package $17+ per month for dogs and $12+ per month for cats

A pet owner with a puppy or kitten between the ages of 8 weeks and 2 years old can add Lemonade’s Puppy/Kitten preventative package to their policy for an additional $40 or $34 per month. This specialty wellness plan will cover you for things like annual checkups, spay/neuter, microchipping, heartworm prevention, and other major milestone vet expenses. 

Coverage for wellness exam fees or physical therapy is offered as a separate add-on for an extra $1 to $3 per month. 

Discounts Available

Lemonade offers three sweet savings opportunities for its policyholders and their pets:

  • 10% bundling incentive — available to pet owners who bundle their pet health insurance plan with either Lemonade’s homeowners or renters insurance.
  • 5% annual discount — available to customers who opt to pay annually for their policy rather than month-to-month
  • 5% multi-pet discount — available to pet owners with multiple pets who enroll more than one furry family member in a Lemonade pet insurance policy

Sample Monthly Pricing Options for Lemonade

Species/Breed

Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever (Dog)

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan

$17.58

$24.92

$11.83

$11.83

Accident and Illness Plan With Preventative Care

$33.58

$40.92

$21.83

$21.83

Accident and Illness Plan With Vet Fees and Physical Therapy Coverage

$22.17

$31.58

$14.83

$14.83

*These estimates are based on an alias customer living in Asheville, North Carolina, who selected an 80% reimbursement rate, an annual coverage limit of $20,000, and a deductible of $250 per year.

Healthy Paws Coverage Overview

Like Lemonade’s policy, Healthy Paws’ solo accident and illness policy is designed to streamline catastrophic coverage for pet owners. But, the company focuses more on hearty emergency coverage rather than tech-based solutions. Healthy Paws still keeps pace with the digital shift in the insurance industry by offering a simple claims submission process through its mobile app, which has an estimated turnaround time of two days. 

Any pet parent who signs up for a Healthy Paws policy will receive automatic unlimited annual coverage benefits for all approved accidents and illnesses. However, they won’t be able to insure their pet for routine care as Healthy Paws doesn’t offer coverage for non-emergency expenses.

Despite having preset annual benefits, Healthy Paws allows a policyholder to customize their annual deductible and reimbursement options. However, the older a pet is at enrollment, the fewer benefits they’ll have to choose from. 

Dogs and cats that are registered while under the age of five are entitled to up to a 90% reimbursement for covered incidents. But, if you wait until your pet is eight or older to enroll it in Healthy Paws coverage, you’ll only ever be reimbursed for a maximum of 60% of approved expenses per year.

Healthy Paws also disqualifies cats and dogs enrolled at the age of six or older from hip dysplasia coverage and caps enrollment eligibility at 14 years old.  

What Does Healthy Paws Cover? 

Healthy Paws has a similar list of inclusions to Lemonade’s, covering a wide variety of emergency veterinary services and conditions, including:

  • Congenital and hereditary conditions — IVDD, hip and elbow dysplasia, heart disease, cruciate ligament tears, etc.
  • Chronic conditions — allergies, diabetes, arthritis, asthma, etc. 
  • Diagnostics — X-rays, MRIs, CT scans, ultrasounds, blood tests, and lab work
  • Non-routine dental care
  • Hospitalization, emergency care, and surgery
  • Cancer diagnosis and treatment 
  • Alternative therapies — acupuncture, hydrotherapy, and chiropractic care
  • Prescription medication
  • Euthanasia

What Does Healthy Paws Not Cover? 

In addition to preventative care and pre-existing conditions, Healthy Paws also won’t reimburse expenses related to:

  • Vet visit fees
  • Elective cosmetic procedures — ear cropping, tail docking, declawing, etc.
  • Grooming or general hygiene — dental cleanings, nail trimming, ear cleaning, etc.
  • Boarding or kenneling
  • Behavioral modification or training

How Much Does Healthy Paws Cost?

On average, standard accident and illness coverage through Healthy Paws pet insurance costs around $40 per month for dogs and $20 for cats.

Healthy Paws aims to help its customers pay less per month by excluding preventative care and any other plan add-ons from its coverage benefits. But, by instating unlimited annual payouts for all policyholders, Healthy Paws’ monthly rate still sits at a higher-than-average level. 

Discounts Available

Healthy Paws doesn’t currently have any discounts for pet owners, whereas Lemonade offers three. 

Sample Monthly Pricing Options for Healthy Paws

Species/Breed

Sample Price for Medium Mixed Breed Dog

Sample Price for Golden Retriever (Dog)

Sample Price for Domestic Shorthair Cat

Sample Price for Domestic Mediumhair Cat

Accident and Illness Plan

$37.97

$56.11

$17.73

$17.73

*These estimates are based on an alias customer living in Asheville, North Carolina, who selected an 80% reimbursement rate and a deductible of $250 per year.

Why Choose Lemonade?

There is a boatload of benefits to Lemonade’s AI-powered pet insurance. However, it seems that some current customers have had a few unproductive customer service experiences with chatbots and other automated features. A pet owner who is tech-averse might have a harder time navigating their coverage options through Lemonade.

“Lemonade has been great for taking care of my pets. After filing a claim, the response has been extremely fast and the reimbursement to my account has been almost as expeditious. Highly recommended for those looking for fantastic coverage at an affordable price.” —Stanley A., Trustpilot

“Luckily, I’ve not yet had to file a claim with Lemonade. From what others say, their claims performance is really bad, so I’m not looking forward to that. What annoys me the most about Lemonade is that it seems like no actual human beings are running the company.” —Stacey A., Trustpilot

Why Choose Healthy Paws?

Healthy Paws does a stellar job of marketing straightforward emergency coverage, but a few current Healthy Paws policyholders commented on how Healthy Paws hikes up premiums based on age. All in all, we wouldn’t recommend this provider to pet owners looking to insure senior pets. Still, pets between the ages of two and six might find solid coverage through Healthy Paws.

“My six-year-old dog Leo has had a policy with Healthy Paws for his whole life. We’ve had to file several claims over his life, a couple of them being substantial because of surgery. Each claim was super easy and no hassle at all…Within a matter of days, I was reimbursed via direct deposit.” —Devan K., Trustpilot

“I’ve since learned that though they don’t come out and say it, they factor your pet’s age into their anniversary increases even if you signed them up when they were young. Once your dogs are seniors and likely have various health conditions, it is not easy to switch insurers because of their age and all of the conditions that would become “preexisting” with a new provider. So you’re stuck.” —Amy D., Trustpilot

Final Thoughts

As we’ve covered in our Lemonade vs. Healthy Paws pet insurance review, both of these pet insurance providers are working toward simpler and more efficient pet insurance coverage. They want to ensure pet owners are benefiting from the peace of mind they’re paying for rather than worrying about whether they’ve pursued the most optimal plan for them. We hope that this review gives you a better idea if Lemonade or Healthy Paws is right for your pet.

Frequently Asked Questions

What behavioral issues does Lemonade cover?

Lemonade doesn’t offer coverage for behavioral conditions, nor will it reimburse any expenses related to behavioral training, modification, or therapy, even if prescribed by your veterinarian. 

Does Lemonade pet insurance have an age limit? 

Yes. Once your dog or cat turns 14, it’s no longer eligible for initial enrollment in a Lemonade policy. 

What behavioral issues does Healthy Paws cover? 

Healthy Paws doesn’t offer coverage for behavioral conditions. Healthy Paws will not reimburse veterinary expenses for behavioral therapy, medication, consultations, etc., even if the issue arose during your active policy.

Does Healthy Paws pet insurance increase with age? 

Healthy Paws doesn’t instate “birthday pricing,” but an older pet will naturally be more expensive to enroll than a younger pet as seniors are predisposed to age-specific health risks. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.