Petplan vs. Lemonade pet insurance

Protecting your pet isn’t like protecting your apartment.

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Unlike Lemonade, Petplan specializes in protecting your pets

Petplan has been working exclusively in the pet industry for 15+ years and protects over 250,000 pets. With that kind of experience, we developed the tools to help you make sure your pet is happy, healthy and living their best life.

How do Petplan and Lemonade stack up?

Policy Details

No upper age limits

Enrollment fee



Curable exclusionary period

12 months



Sick visit exam fees

Costs extra

Comprehensive dental

Alternative & homeopathic therapies

Customer Service

Live chat available

Information last updated March 2021.

Unlike Lemonade, Petplan’s extras don’t cost extra, including:

The complete sick visit, including exam fees–saving you on average $50-$250 per appointment. Lemonade doesn’t cover this.

Up to $1,000 in virtual vet visits (video chat, call or text). Lemonade can’t offer you that.

Up to $1,000 in behavioral therapy and medicine, unlike Lemonade.

Up to $1,000 in boarding fees should you require hospitalization for 4 days or more. Lemonade doesn’t do that.

Lemonade only covers some states. Petplan covers all of the US and Canada*.

Petplan covers cats, dogs and pet parents in all 50 states and Canada. No matter where you live, travel or move to in the US—we have you covered.

Lemonade is not available in 16 states or Canada. If you move to one of these places, your policy will be cancelled, you’ll have to find a new provider and anything your pet’s been treated for will be considered a pre-existing condition, which other providers won't cover.

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Lemonade doesn’t cover holistic care. Petplan does.

Petplan covers physical therapy, acupuncture, hydrotherapy and chiropractic care all at no extra charge.

Lemonade’s plan does not cover any of these things unless you pay extra.

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Lemonade doesn’t cover every tooth. Petplan does.

Petplan protects all of your pet’s teeth (every adult tooth—not just the canines) from accidents, illnesses, injuries and diseases, with no broad condition exclusions.

Lemonade’s limited coverage only includes the extraction and reconstruction of damaged teeth caused by an accident.

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With Petplan’s one simple plan, you know exactly what’s covered

Petplan protects your pet against accidents and illnesses with one simple, comprehensive plan that’s easy to understand.

Lemonade’s complicated policies confused our insurance experts. Not even they could tell what was covered and what wasn’t.

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Unlike Lemonade, you can submit an unlimited number of claims with Petplan

With Petplan there’s no limit to the claims you can submit after your 15-day waiting period has passed.

Lemonade will not cover the treatment if your pet’s behavior results in two claims within 18 months.

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With Petplan, your best friend isn’t just a bundle

With Petplan, your pet’s claim will never be delayed by other people’s damaged or stolen property claims. We only care about your best friend’s health.

Lemonade specializes in homeowner and renter insurance. Bundling your pet insurance policy may seem convenient, but it results in worse coverage for your best friend.

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Your plan options are limited with Lemonade

With Petplan, you can choose your deductible, co-pay and maximum annual payout. This gives you the freedom to customize a price that fits with your budget.

Lemonade only gives you three deductible choices: $100, $250 and $500.

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Petplan is clearly the better choice for you and your pet

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