Lemonade vs Healthy Paws

Lemonade vs Healthy Paws

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When you house a pet, you need to create an environment filled with boundless love, comfort, and safety. To ensure your pet is all the way healthy and safe, you will also need to opt for a suitable pet insurance.

Out of all providers out there, Lemonade Pet Insurance and Healthy Paws Pet Insurance stand out as frontrunners, both offering suitable solutions to meet your and your pet’s needs. With their humanitarian approach and affordable plans, they give pet parents around the USA a needed peace of mind.

Lemonade_Pet_Insurance

One of the best-ranked pet insurances nowadays is Lemonade.

5/5
healthypaws logo

Healthy Paws ranked as one of the few great insurances.

4.4/5

Both pet insurance companies are top tier, but they differ in certain aspects. Read our Lemonade vs Healthy Paws comparison below to discover which of the two makes the more suitable choice for your pet.

Lemonade vs Healthy Paws: Key Features

In the sphere of pet health insurance, Healthy Paws is a veteran while Lemonade is a novice. Still, both have unique features that will amaze any pet parent. What’s most important is that both will help you improve your pet’s health without worrying about costs and administration. Up close, here are the main features both providers offer:

Feature

Healthy Paws

Lemonade

No payout caps on insurance plans

X

Genetic pet conditions and alternative care included in the plans

X

Annual deductible (not based per condition)

Pet insurance plan app

Pet welfare foundation

X

Reimbursement method (based on vet bill)

Wellness preventive plan add-ons

X

Overall rating

4.9

4.3

Lemonade Overview

Even though founded in 2015, Lemonade has quickly succeeded in impressing its clients and competitors. Operating only digitally and offering a mobile app with advanced AI software, Lemonade is the epitome of modernized pet insurance.

Lemonade Pet Insurance consists of one base Accident & Illness Plan that can be upgraded with add-ons. These add-ons extend the coverage and allow pet parents to create a customizable plan. For example, you can choose Lemonade Dog Insurance with a puppy/kitten add-on that will provide coverage for vaccines, spaying, neutering, and everything else a baby pet needs. Plus, with the help of their Give Back program, Lemonade will donate up to 40% of your unclaimed money to a charity of your choice.

Pros

  • Customizable pricing & plans
  • 5% and 10% discounts
  • No lifetime limits on plans
  • Coverage for wellness and preventative care
  • Coverage for kitten/puppy care
  • Superior mobile app for filing claims
  • Coverage of hip dysplasia for all pets

Cons

  • Not available in certain states
  • Coverages have age limits
  • Many important features are only available with add-ons
  • Doesn’t cover pre-existing conditions
Lemonade Pet Insurance

Healthy Paws Overview

Healthy Paws is a renowned pet insurance provider with over 10 years of experience. Even though it’s a relatively senior provider, it still follows the latest trends and offers a mobile app for filing claims, just like Lemonade.

Pet parents recognize this company for its straightforward and transparent approach as well as its impeccable customer support system. Additionally, it has an extensive Standard plan that covers everything you need for keeping your pup or kitten safe and healthy.

Is Healthy Paws good pet insurance for you? Read its pros and cons. 

Pros

  • Unlimited annual coverage
  • Mobile app for effective claim processing
  • Coverage of physical therapy, acupuncture, and hydrotherapy
  • A+ Rating at the BBB (Better Business Bureau)
  • Outstanding customer support

Cons

  • Difficult for covering hip dysplasia (1-year waiting period and unavailability for pets older than 6)
  • 15-day waiting period for accidents
  • No wellness and preventative care coverage
  • Doesn’t cover pre-existing conditions
Healthy Paws pet insurance overview

Lemonade vs Healthy Paws: Limits and Deductibles

Most pet insurance policies have annual coverage limits. But with Lemonade, you can choose between a $5,000, $10,000, $20,000, $50,000, and $100,000 annual limit.
The situation is even better with Healthy Paws because they have no insurance caps. This means they offer unlimited annual coverage.

When it comes to coverage limits, Healthy Paws undoubtedly takes the lead. But, that’s not the case when you compare Healthy Paws vs Lemonade deductibles.

A deductible is the amount of money you give before the policy starts, and both companies allow pet parents to choose their best option. With Lemonade, things are much simpler, since they allow pet parents to choose between a $100, $250, and a $500 annual deductible.

Healthy Paws also offers flexible deductibles but unfortunately, it will increase the amounts as your pet ages. For dogs and cats less than 5 years old, deductibles vary between $100, $250, and $500. For those between 6 and 7 years, the deductible can either be $250, $500, or $700. If your pet is more than 7 years old, the amount will be either $750 or $1,000 per year.

Lemonade vs Healthy Paws: Waiting Periods

To protect themselves from fraud, pet insurance companies have waiting periods that start from the moment you purchase the insurance plan to the moment you file a claim. This period differs from company to company and it depends on the nature of the claim.

Compared to most pet insurance providers, Lemonade has a superior waiting period. This company has pet insurance waiting periods of only two days for accidents, fourteen for illnesses, and six months for cruciate ligament events.

On the other hand, Healthy Paws has a 15-day waiting period for both illnesses and accidents, and a 1-year waiting period for hip dysplasia. The company doesn’t cover hip dysplasia if your dog is more than 6 years old. 

In the final verdict for Lemonade vs Healthy Paws waiting periods – Lemonade wins!

Lemonade vs Healthy Paws: Claims

There are over 20 pet insurance companies in the USA alone. However, only a few prioritize customer support like Lemonade and Healthy Paws. The two companies strive to simplify the claiming process and make it easier for pet parents to deal with unfortunate occurrences. 

Both provide special mobile apps which clients can use to file claims and keep track of their pet’s health exams. After any treatment or injury, you just need to click the filing button on the app and you can start the claiming process. Lemonade’s high-end software allows it to process 30% of its claims in less than a minute.

But the average processing time for both companies is 2 days.

Lemonade vs Healthy Paws: Pricing & Plans

Both Lemonade’s and Health Paw’s pricing depends on your location, and your pet’s age, species, and breed. For example, the insurance will cost more if your pet is older, larger, or has higher chances of suffering from breed-specific conditions. 

The main difference between these two companies’ pricing lies in the insurance plans. Lemonade offers one standard plan with multiple add-ons, while Healthy Paws likes to keep things simple and has no add-ons, only two plans – for cats and dogs, respectively. 

Lemonade Pricing & Plan

Lemonade is more suitable for pet parents who prefer flexible pricing. It allows customization like no other pet insurance provider. 

Lemonade offers three different discounts: 5% for multiple pets, 5% annual discount, and 10% for combining different types of insurance.

Its standard plan covers accidents and illnesses, including hip dysplasia, surgery, poisoning, emergency hospitalization, medication, and diagnostics. You can expand the coverage by choosing one or more of Lemonade’s add-ons:

  • Extended Accident and Illness Package – covers vet visits and functionality treatments like acupuncture, physical therapy, and hydrotherapy;
  • Preventative and Wellness Package – covers annual wellness exams, vaccines, live chat with experts, blood tests, heartworm or FeLV/FIV test, and fecal or internal parasite test;
  • Preventive+ – covers dental cleaning and medication for flea/tick or heartworm;
  • Puppy/Kitten Preventative Package – covers spaying and neutering, microchipping, and up to 6 vaccines for pets less than 24 months old.

Although the prices can vary, the average Lemonade cost for cat insurance is around $25 a month, and Lemonade dog insurance will estimate around $37.

Healthy Paws Pricing & Plan

Unlike Lemonade, Healthy Paws Pet Insurance Coverage is straightforward. You don’t have to reread various add-ons to decide what’s best for your pet. Instead, you know what you are getting right from the start.

Because this company doesn’t have add-ons, Healthy Paw’s one and only Standard Plan is broader than Lemonade’s. For example, instead of offering an Extensive add-on, Healthy Paws include physical therapy, acupuncture, and hydrotherapy in their standard plan.

The other items included in the package are the same as Lemonade – diagnostics, medication, injury, illness, congenital problems, emergency care, surgeries, etc. However, this pet insurance provider doesn’t cover preventative care. 

There is no add-on for extending your coverage to spaying, neutering, blood tests, wellness exams, or vaccines. 

In terms of pet insurance costs, the coverage for a 1-year-old female dog will estimate around $39.10 a month, given you chose a 90% reimbursement rate and a $500 annual deductible.

On the other hand, the coverage for a 1-year-old male domestic cat will come close to $12.71 a month. Again, the breed, size, and age of the pet will be the factors that decide the final price. 

Which One Is Best?

After comparing Lemonade Pet Insurance vs Healthy Paws, it’s safe to conclude that both providers are excellent options for your fluffy companion. However, each has its pros and cons, and therefore, is suitable for different pet needs.

If you are a parent of, say, a 1-year-old pup, Lemonade is a more suitable option because of its Puppy/Kitten add-on. This provider is also a better option for pets prone to hip dysplasia as it covers all dogs, no matter their age, and with only a 14-day waiting period.

However, you should choose Healthy Paws if you are looking for a comprehensive insurance plan, without any add-ons. You should also consider how this company has unlimited annual coverage, better reviews, and more experience than Lemonade.

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