Any good pet parent knows the struggle of finding the best pet insurance for their beloved pets. But, with so many pet insurance options online, pet parents can easily get overwhelmed and make an uneducated purchase that will cost them and their pets more.
To separate the good from the bad, we have placed Lemonade and Pets Best as the two most sought-after pet insurance providers.
Lemonade vs Pets Best: Key Features
Both Lemonade and Pets Best offer many perks to pet parents, but there are differences between the two pet insurance providers.
Lemonade Key Features:
- Accidents and illnesses are covered, as well as procedures and extensive preventative care;
- Offers the trending hassle-free, super-fast claim compensation;
- Any funds that are left are being donated to pet-related charities of the client’s choice;
- Clear-cut policies, user-friendly approach;
- Comes with the Lemonade app that offers live chat with medical professionals.
Pets Best Key Features:
- Outstanding track record;
- A professional team of medical experts;
- Fonded by a doctor – the ‘father’ of pet insurance in North America;
- 24/7 emergency vet hotline for pet parents;
- Fast claim processing;
- Accidents and illnesses are covered;
- Senior dogs are welcomed for insurance.
What sets apart the two pet insurance providers is the cost of the plans, something that’s characteristic of every pet insurance provider. However, the key features of both offer an insight into the perks that come with the package of insurance you choose.
Lemonade Overview
If you’re on the lookout for the best-fitting pet insurance, but you don’t really know which one will suit you best, then you should get to know Lemonade dog insurance. This pet insurance provider offers clear-cut policies and an amazing and user-friendly app with an intuitive and visually-pleasing UI.
The reason why Lemonade pet insurance is a fan-favorite insurance provider for pets is the affordable monthly premiums, the custom-tailored subscriptions, and the customers’ favorite – Lemonade’s extremely fast, no-bother claim payment.
Lemonade pet insurance offers its clients the options for emergency medical coverage for their pet cat or dog, along with the possibility to buy additional wellness and routine exam coverage that will keep your pet on track with health.
Pet parents also love Lemonade because the live chat option in the app lets them talk to veterinary professionals about any health crisis or inquiries about their pet. What’s even more of a perk with Lemonade pet insurance is the fact that accidents and illnesses are covered, also making extensive preventive care available.
As per the pros and cons, here’s what made the cut:
Pros:
- The lowest cost for pet insurance starts at $10 a month;
- Wellness coverage is obtainable;
- Lemonade is a socially-conscious pet insurance company that donates to animal charities;
- The available premiums are pretty affordable.
- Claim payments are made exceptionally easy.
Cons:
- Lemonade’s pet insurance services are not available in all 50 states;
- There are age restrictions;
- Any pre-existing circumstances are not covered.
Pets Best Overview
When it comes to Pets Best, a lot of satisfied customers applaud the fact that Pets Best pet insurance offers a 24/7 hotline, which is a perk many pet parents appreciate, especially if there’s a puppy in the picture. If you’re torn between choosing what’s best for your pet, insurance-wise, and what is best for your budget – then you won’t go wrong if you choose Pets Best as your pet’s insurance provider.
In not so many words: is Pets Best a good pet insurance? -We say – yes, it is!
The insurance plans offered by Pets Best include pet insurance for both cats and dogs, covering accidents and illnesses, as well as emergency treatments, hospitalization, surgical procedures, cancer diagnosis, genetic predispositions, a well as prescription medication.
Other than the illnesses and accident plans, Pets Best pet insurance also offers its clients the possibility to purchase wellness plans that cover wellness exams, tick and flea prevention, as well as vaccination, among other options.
Another trait that makes Pets Best pet insurance a fan favorite is that it’s basically one of the very few pet insurers that offer coverage for wheelchairs and prosthetics for pets with limited mobility. With this in mind, if you’re a pet parent to a breed that’s known to suffer from mobility issues, like a limb or ligament injuries, or even hip dysplasia or deteriorating joint disorders, then deciding on Pets Best as your insurer might be the right choice.
Pros:
- Offers the most affordable pet insurance policies;
- Around-the-clock customer service;
- Offers a wide selection of deductibles;
- No upper age limit;
- Covers pets as young as 8 weeks;
- Covers wheelchairs and prosthetics.
Cons:
- Processing claims is rather slow;
- Treatment for parasites is not covered;
- The annual benefits are rather limited.
Lemonade vs Pets Best: Limits and Deductibles
When it comes down to Lemonade pet insurance vs Pets Best and what the coverage includes, there are a few key points to stress out.
Lemonade’s Limits and Deductibles
Lemonade Pet Insurance doesn’t cover microchipping, behavioral therapy, costs regarding euthanasia, or pre-existing health conditions.
Plus, although there is no maximum enrolment age at Lemonade, there are certain exclusions, like certain breeds, especially larger dogs, might not be granted insurance if they are too old at the time of enrolment.
It’s important to note that Lemonade isn’t available in all 50 states, so not all US residents will be able to get Lemonade’s pet insurance. Deductible-wise, Lemonades offers 3 tiers of deductibles: $100, $250, and $500, with a rate of reimbursement from 70 to 90%.
Pets Best Limits and Deductibles
Pets Best pet insurance coverage will exclude parasite treatment from its plan, as well as non-veterinary expenses, special diets, and food, supplements, or vitamins. Like Lemonade, Pets Best too won’t cover any pre-existing conditions.
Also, herbal, holistic, and experimental therapies and remedies won’t be covered by Pets Best. Nonetheless, medical practices like chiropractic, acupuncture, cold laser therapy, physical therapy, as well as hydrotherapy do not go under the holistic or experimental label and are covered by Pets Best.
When it comes to deductibles, Pets Best’s deductible options range from $50 to $1,000, with a reimbursement rate from 70% to 90%.
In this Pets Best vs. Lemonade stand-off, Pets Best takes the crown!
Lemonade vs Pets Best: Waiting Periods
In the Lemonade vs. Pets Best showdown, Lemonade is known to offer some of the shortest waiting periods. Lemonade needs its clients to wait for 2 days for accidents and 14 days for illnesses.
Pets Best offers pet parents a waiting period of 3 days in the case of an accident and 14 days regarding illnesses; for a more serious cruciate ligament problem, Pets Best requires a 6-month waiting period.
Although both Lemonade and Pets Best feature more or less the same waiting options, in the Pets Best vs Lemonade duel, Lemonade wins by a day!
Are the plans customizable?
Both providers offer customizable plans, allowing you to adjust elements such as reimbursements and deductibles. Pets Best provides two annual limit options ($5,000 and unlimited) and offers a variety of annual deductible choices ($50, $100, $200, $250, $500, and $1,000). In comparison, Lemonade offers annual limits ranging from $5,000 to $100,000, with deductible options of $100, $250, or $500.
Both providers give you the flexibility to choose reimbursement levels of 70%, 80%, or 90%. Lemonade offers additional coverage for vet visit fees and physical therapy through the Extended Accident and Illness add-on package. If you prioritize prevention and wellness, both providers allow you to customize plans to cover services like vaccines, blood tests, dental cleaning, and annual wellness exams.
Pets Best offers an optional wellness plan that can be added for a little extra each month, with the ability to customize reimbursement percentage and deductible amount.
Lemonade vs. Pets Best: Claims
With Pets Best, you can file a claim via email, fax, or standard mail. In fact, Pets Best is one of the first insurers to go fully digital for claim processing and filing. Pets Best is also well-known for not needing a signature from the vet to file a claim, and its claim filing is available through its webpage.
Lemonade, on the other hand, is loved for its app that’s both iOS and Android compatible, so users can easily access their info and file a claim with a tap of a button.
Lemonade vs. Pets Best: Pricing & Plans
The two pet insurance providers are in fact one of the fan favorites, and dissecting their offers comes down to sheer nuances.
Let’s break down the pricing and plans of each pet insurance provider.
Lemonade Pricing and Plans
Depending on the reimbursement rate of your policy, Lemonade offers preventative care extras for a rather reasonable price of $16–$25 a month for dogs and $10–$20 a month for cats.
Additional vet fees usually cost from $2 to $8 a month, while the extra for physical therapy will set you back from $1 to $4 a month.
Some of the most popular plans offered by Lemonade look like this:
|
Types of Plans |
Dogs |
Cats |
|
Accident and Illness Plan |
$18.50 |
$10.83 |
|
Accident and Illness Plan including Preventative Care |
$34.50 |
$20.83 |
|
Accident and Illness Plan + Vet Fees & Physical Therapy Coverage |
$23.67 |
$13.83 |
Lemonade’s primary pet health insurance plan covers the following conditions:
- Broken bones, sprains, and related injuries;
- Cancer, heart diseases, arthritis, and allergies;
- Skin, congenital, hereditary, and other chronic states;
- Elbow and hip dysplasia.
There are other lemonade policies that will cover the following:
- X-rays, MRIs, CT Scans, ultrasounds, blood tests, lab work;
- Emergency care, hospitalization, surgery, outpatient and specialty care;
- Prescription medications.
Pets Best Pricing and Plans
Working with all licensed US and CA vets, Pets Best covers both cats and dogs, and here is what some of the basic coverage plans include and how much they cost:
|
Types of Plans |
Dogs |
Cats |
|
Accidents-only Plan |
$9 |
$6 |
|
Comprehensive Accidents and Illnesses Plan |
from $35 to $58 a month |
from $22 to $46 a month |
Here’s what is covered by the Essential Coverage Plan:
- Elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease;
- Knee injuries;
- Congenital conditions;
- Chronic conditions;
- Cancer-related treatment;
- Medical supplies;
- MRI scans;
- X-Rays;
- CT scans;
- Ultrasound;
- Blood tests;
- Hospitalization, and more.
The following are not included in the Essential but in the Elite plan:
- Exam fees for a covered occurrence;
- Physical and rehabilitative therapy;
- Behavioral therapy;
- Prescription foods;
- Laser therapy, and others.
The Verdict: Which One Is the Best?
All in all, both Lemonade and Pets Best are deemed the most user-friendly pet insurers in the States.
However, the differences between the two make us favor Lemonade a bit more, mainly because of the shorter waiting periods, overall coverage, and fast claims process. We give Lemonade an A+ for being an outstanding pet insurance provider for every cat and dog family.
