Lemonade Pet is a good option for pet owners looking for affordable and customizable plans with a focus on speed and ease of use. Pumpkin Pet Insurance is better suited for those who prioritize comprehensive coverage, including dental and behavioral care, and are willing to pay a higher premium.
| Attribute | Lemonade Pet | Pumpkin Pet Insurance |
|---|---|---|
| Accident and Illness Coverage | Covers diagnostics, procedures, and medications for unexpected accidents and illnesses. Covers chronic diseases, cancer, hereditary, and congenital conditions if they aren't pre-existing and haven't occurred during the waiting period. Base plan covers: Blood tests, CT scans, MRIs, ultrasounds, X-rays, prescription medications, emergency care, hospitalization, outpatient surgeries, and specialty treatments. | Extensive coverage for accidents and illnesses, including dental illnesses, behavioral problems, hereditary conditions, and parasite infections. Covers veterinary exam fees (in-clinic and virtual) for accident and illness-related visits, physical therapy, and prescription food/supplements for covered conditions. |
| Preventative Care Coverage Options | Offered as an optional add-on. Includes wellness exams, bloodwork, and vaccines. Three tiers: Preventative Care, Preventative+ Care, and Preventative Care for Puppies and Kittens. Puppy/Kitten Preventative Package covers spaying/neutering (up to $135 of the fee), microchipping, and related fees. | Offers an optional "Preventive Essentials" package (a wellness add-on, not insurance) that provides refunds for annual wellness exam fees, essential vaccines, and key parasite screening tests. Also offers a stand-alone preventive care plan called the Wellness Club, a subscription service designed to reimburse you for expenses such as annual exams, vaccines and flea/tick prevention. |
| Waiting Periods for Coverage | Accidents: 2 days (0-day waiting period in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA). Illnesses: 14 days. Cruciate Ligament Injuries, Hip Dysplasia, Orthopedic Conditions: 30 days in some states; 180 days in others; all other states 6 months. Wellness: 1 day. | 14 days for both accidents and illnesses in most states. In Maine, the waiting period is 0 days. In California, the waiting period for accidents is only 1 day. |
| Annual Deductible Options | $100, $250, $500, or $750. | $100, $250, $500, or $1,000 |
| Reimbursement Options (Percentage) | 70%, 80%, or 90%. | 80% or 90% of covered vet bills after you've met your deductible. |
| Annual Coverage Limit Options | $5,000, $10,000, $20,000, $50,000, or $100,000. | For dogs: $5,000, $10,000, $20,000, or unlimited. For cats: $5,000, $7,000, $15,000, or unlimited. |
| Coverage for Hereditary Conditions | Covered as long as the condition is not pre-existing and has not occurred during the waiting period. | Covers hereditary conditions as long as they are not pre-existing and have not occurred during the waiting period. |
| Coverage for Congenital Conditions | Covered as long as the condition is not pre-existing and has not occurred during the waiting period. | Covers congenital conditions if they are not pre-existing and haven't occurred during the waiting period. |
| Coverage for Behavioral Issues | Available as an optional add-on. Covers diagnostics and treatments administered by a vet or licensed behaviorist for eligible conditions. $1,000 annual limit. | Covers behavioral issues, defining them as illnesses or conditions resulting from a pet's abnormal, dysfunctional, or unusual actions, inactions, or temperament. Coverage includes consultations, diagnostics, treatment, and prescription medications for behavioral conditions diagnosed by a licensed veterinarian. |
| Coverage for Dental Illness | Available as an optional add-on. Covers diagnostics, treatments, procedures, and medications related to new dental illnesses up to $1,000 per year. Covers tooth extractions, crowns, root canals, surgeries, and treatments related to periodontal disease. Base policy covers new dental injuries caused by accidents. | Covers dental illnesses, including periodontal disease, and includes coverage for exams, X-rays, treatment, surgery, and prescription medications used for diagnostics and treatment. They also cover tooth extractions for dental injuries. However, they do not cover annual teeth cleaning or certain cosmetic/elective services. |
| Customer Service Channels and Availability | Customer service hours are Monday through Friday. Contact via the Lemonade mobile app. | Phone: 1-866-ARF-MEOW (1-866-273-6369), Monday - Friday: 8:00 AM to 8:00 PM EST. Email: help@pumpkin.care. Live chat: Monday through Friday from 11:00 am to 4:00 pm EST. |
| Policy Customization Options | Customize annual deductible, reimbursement rate, and annual limit. Optional add-ons for routine care, exam fees, dental illnesses, physical therapy, behavioral conditions, and end-of-life care. | Allows you to customize your plan by choosing your annual coverage limit, deductible, and reimbursement rate. |
| Price | Starting around $10/month | Not available |
| Ratings | Not available | Overall customer service satisfaction: 89% are somewhat to completely satisfied. Recommendation likelihood: 91% are somewhat to exceptionally likely to recommend. |
| Pros | Fast claim processing, Easy to use app, Affordable rates, Customizable plans, Quick customer service, Company donates leftover funds to charities | Easy claim submission, Quick claim processing, Easy-to-understand policies, Comprehensive coverage, including dental and behavioral care |
| Cons | Doesn't cover pre-existing conditions (but may cover curable pre-existing conditions if the pet remains symptom-free for 12 months), Some reviewers wish they covered a few more things, Doesn't cover preventable conditions, Information not found about the specific process for disputes or appeals | Prices tend to be above average compared to some competitors, Doesn't cover pre-existing conditions, Doesn't cover breeding costs, Doesn't cover spaying/neutering, Doesn't cover cosmetic procedures, Doesn't cover herbal supplements, No mobile app |