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Lemonade vs. HealthyPaws Pet Insurance Comparison 2022: Pros, Cons & Verdict

Pet insurance comparison

In This Review: Lemonade Overview | Healthy Paws Overview | Plans & Pricing | Deductibles & Claims | Verdict

When it comes to pet insurance, you have options. Before you commit to any company and plan, it’s wise to compare two companies you feel are contenders for your needs, as not all pet insurance companies are the same.

Lemonade Pet Insurance is a newcomer within the pet insurance world and was launched in 2020. However, Lemonade has offered homeowners and renters insurance since 2016. You have the flexibility for coverage with Lemonade, and they offer certain discounts, especially if you are already a customer for homeowners or renters insurance.

Healthy Paws has been around since 2009, so they have quite a few years under their belt. This pet insurance offers only one basic plan, which makes getting coverage a bit simpler. In a nutshell, both companies have their differences that we will cover in this article, such as what pets are covered, their plan types, and an insight into their deductibles, reimbursement policies, and perks.

Most Affordable Plans
Our rating: 4.6 / 5
Best Customer Service
Our rating: 4.4 / 5
Company Name Lemonade HealthyPaws
Pets Covered Dogs and cats Dogs and cats
Types of Plans Accident and illness,

Optional preventative wellness add-on

One single plan, no customizable options

 

Deductibles Annual deductible, flexible pricing $250 or $500
Reimbursement Varies, 70%, 80%, or 90% of covered bills 70% or 80%
Additional Perks Multi-pet discount, bundle discount, annual discount Includes acupuncture and chiropractic services, covers breed-specific conditions, easy-to-use App

Brief Overview of Lemonade

Lemonade

Pros
  • Customizable plans
  • Various discounts available
  • Preventative care for puppies and kittens under 2 years of age
  • 2-day waiting period for accidents
  • Coverage for seniors

Cons
  • Only available in 36 US states
  • Doesn’t cover as many conditions as HealthyPaws

Lemonade pet insurance offers coverage for dogs and cats. This plan can only be used in the United States, and more specifically, it’s only available in 36 states, and Washington D.C. This pet insurance offers affordable payment plans, and it’s easy to sign up and choose a plan that works for you. What sets this company apart is that they take a flat fee from the customer, and they use that to pay claims. What’s remaining after the claim goes to a charity of your choosing, and they are excellent at paying claims. This company truly cares about making a difference in the insurance world, and all insurances could stand to follow in their footsteps.


Brief Overview of Healthy Paws

Healthy Paws Pet Insurance

Pros
  • Has 13 years of experience
  • No limitations or caps in annual coverage
  • Covers breed-specific conditions
  • One basic, straightforward plan to choose that’s affordable
  • Pays claims within 2 days

Cons
  • No preventative care covered
  • Charges a one-time $25 fee upon enrollment
  • No customizable plan options
  • Does not cover pre-existing conditions
  • Does not cover 14 years of age or older

Healthy Paws does not allow for customizable options. Instead, you choose one basic plan that covers accidents and illnesses. They score well among consumers with customer service and their reputation, and they are considered one of the most reputable pet insurance companies out there. They have an excellent record of paying claims, and you can use any veterinarian you choose. The company also donates to animal shelters and pet rescues across the country. To date, they have donated over $1.7 million to help fund medical care, operating expenses, and food. This insurance is available for customers in the United States and Canada.


Other Top Rated Pet Insurance Companies

Most Customizable
Our rating: 4.5 / 5
Best Wellness Plans
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.2 / 5

Lemonade vs Healthy Paws: Plans Available

As we’ve stated, no two pet insurance companies are the same. They all have their own protocols and procedures, as well as their own plans and what they cover. Let’s take a look below to compare the two regarding the plans available within each company.

Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Lemonade $19.44 $11.00 Click to Get Quote
Healthy Paws $66.39 $31.19 Click to Get Quote

Lemonade

Lemonade offers a few plans. You can choose base plan that can cover only accidents and illnesses, including cancer, hip dysplasia, heart disease, and more. Or, you can choose add-on coverage that can cover exam fees and physical therapy. You also have the option of adding on a preventative care package that can cover routine wellness exams, routine dental cleanings, vaccines, and flea and tick preventative.

Of course, these add-ons will increase your monthly premiums. They also offer a puppy/kitten coverage plan that covers spay/neuter, microchipping, vaccines, flea, tick, and heartworm preventions, and two wellness visits.

Healthy Paws

Healthy Paws offers one basic plan. While this is simpler to decide on a coverage plan, you’re still left with paying for basic preventative care. They do not raise your premiums no matter how many claims you submit, but they also do not cover exam fees, which can be costly. However, the plan they do offer is more affordable. They also cover chiropractic and acupuncture coverage and breed-specific conditions, but they do not cover animals over 14 years old.

Find The Best Pet Insurance Companies in 2022


Lemonade vs Healthy Paws: Reimbursements and Deductibles

Every pet insurance company has different policies for reimbursements and deductibles. To get a better idea, let’s compare these aspects of the two companies. We do want to point out that neither company covers pre-existing conditions, which is usually standard within the industry.

Lemonade

% of Medical Expenses
  • 60%
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
  • $750
Maximum Coverage Options
  • $5,000
  • $10,000
  • $20,000
  • $100,000

When it comes to Lemonade’s deductibles, you can choose between $100, $250, $500, or $750. As far as reimbursements, you have the option of choosing a rate of 70%, 80%, or 90%. All of these variations will determine the annual coverage limit.

 

Healthy Paws

% of Medical Expenses
  • 50%
  • 60%
  • 70%
  • 80%
  • 90%
Annual Deductible Options
  • $100
  • $250
  • $500
  • $750
  • $1,000
Maximum Coverage Options
  • Unlimited

Much like Lemonade, you can tailor your deductible and reimbursements. Depending on your animal-type and age, you can choose a $100, $250, $500, $750 or $1000 deductible and reimbursements of 60%, 70%, 80%, or 90%. Just remember, the lower the deductible, the higher the monthly premiums. This company also charges a one-time enrollment fee of $25.


Lemonade vs. Healthy Paws: Additional Perks

Additional perks are sometimes the influencers on which company to go with. Below, we’ll examine additional perks that these two companies offer.

Lemonade

Lemonade’s customizable plans are a perk within itself, but they also offer other perks that may interest you. For instance, they offer a 5% discount if you have multiple pets, a 5% discount for making annual payments, and a 10% discount if you have a homeowners or renter policy with them already. Their add-on availability is a nice perk, too. They also have only a 2-day waiting period for accidents, which is shorter than its competitors.

Healthy Paws

This company has unlimited annual coverage with no caps and an easy-to-navigate app that allows you to pay quickly and conveniently. They also have excellent customer service with 24/7 email availability and a 7-day-a- week call center. They also pay claims in a timely manner, with a 99% success rate of paying claims within two days of submission.


Company Verdict: Which One Has the Edge?

Customer Service 📞

Edge: Healthy Paws

We cannot ignore the fact that Healthy Paws has an excellent record with customer service. Their 99% success rate of paying claims within 2 days of admission is also impressive. We like that they have 24/7 email availability and a call center that is available 7 days a week.

Price of Plans💲

Edge: Lemonade

While Healthy Paws offers one affordable plan, we have to give Lemonade the edge on price because of their customizable options. We also gave them the edge because of the various discounts they offer. Every little bit helps, and we are impressed with the 5% discount for multiple pets, the 5% discount for paying annually, and the 10% discount for existing customers.  

Areas of Coverage 🌐

Edge: Healthy Paws

Healthy Paws wins here; you can use this plan in all US states and Canada, whereas Lemonade is only available in 36 states across the country.

Perks📱

Edge: Lemonade

Lemonade’s customizable plans may get complicated, but the availability is a nice perk, along with all the discounts you can apply. They also have a 2-day waiting period for accident coverage, whereas Healthy Paws has a 15-day waiting period. Healthy Paws also has a 12-month waiting period for covering hip dysplasia in dogs, and they don’t cover dogs 6 years old or older at the time of enrollment for the condition. Lemonade has only a 14-day waiting period for hip dysplasia, and that’s a huge difference.

Find The Best Pet Insurance Companies in 2022


Conclusion

Both of these companies offer excellent perks and coverage and have exceptional qualities, so choosing one over the other is a bit difficult. Lemonade appeals to those looking for coverage for senior pets, and the customizable plans are hard to beat. Lemonade also has shorter waiting periods, but one negative is the coverage is not in all states, whereas Healthy Paws has coverage nationwide and in Canada.

  • Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
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