Key Differences
Lemonade has a shorter accident waiting period. The ASPCA Pet Health Insurance Program has a shorter orthopedic waiting period.
The ASPCA Pet Health Insurance Program has a longer window to file claims than Lemonade.
Lemonade has a higher annual limit than the ASPCA Pet Health Insurance Program.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans ASPCA Pet Health Insurance Program and Lemonade offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
7,529 |
102,209 |
Deductible: |
$100, $250, or $500 |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$2,500 to $10,000 |
$5,000 to $100,000 |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
15 days |
None |
Illness Waiting Period: |
15 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
14 days |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Optional |
Exam Fee Coverage: |
Yes |
Additional Cost |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 270 days of treatment |
Within 180 days from the date of treatment** |
Claims Submission App: |
Yes |
Yes |
The ASPCA Pet Health Insurance Program Accident and Illness Coverage
The accident and illness coverage from the ASPCA Pet Health Insurance Program, Complete Coverage, may provide coverage for unexpected health issues your dog or cat may encounter. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,500, $5,000, $7,000, or $10,000
What’s Covered
Accidents
Alternative Therapy
Behavioral Issues
Behavioral Therapy
Cancer Coverage
Chronic Conditions
Dental Care (Limited)
Emergency Care
Exam Fees
Hereditary Conditions
Illnesses
Prosthetic Devices and Wheelchairs
Prescription Medications
Orthopedic Issues
Preventative Care Coverage
The ASPCA Pet Health Insurance Program provides two levels of an optional preventative coverage add-on, Basic and Prime:
Basic Preventative Care Coverage
Dental Cleaning
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Prime Preventative Care Coverage
Dental Cleaning OR Spay/Neuter
Wellness Exam
DHLPP Vaccine/Titer or Feline FVRCP Vaccine/Titer
Rabies and/or Canine Lyme or Feline FIP Vaccine/Titer
Fecal Test
Heartworm or Feline FELV Test
Deworming
Flea/Heartworm Prevention
Blood Test
Urinalysis
Bordetella or FELV Vaccine/Titer
Health Certificate
Lemonade Accident and Illness Coverage
Lemonade offers a base accident and illness plan you can configure reimbursement rate, deductible, and annual limit to fit your budget and needs. Plus, you can choose to add additional coverage to the base plan.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, $20,000, $50,000, or $100,000
What's Covered
Accidents
Diagnostics
Emergency Care
Hospitalization
Illnesses
Prescription Medication
Procedures
Specialty Care
Surgery
X-rays
Optional Coverage Add-Ons
Visit Fees
Dental Illness
Behavioral Conditions
Physical Therapy
End-Of-Life and Remembrance
Optional Wellness Coverage Add-Ons
Lemonade offers optional wellness coverage add-ons to supplement your base insurance plan. With this type of coverage, you can get reimbursed up to a certain amount for select routine and preventative care.
Preventative Care
Here’s what can be covered with Lemonade's Preventative Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Preventative+ Care
Here’s what can be covered with Lemonade's Preventative+ Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Routine Dental Cleaning
Puppy and Kitten Preventative Care
You can only add Lemonade's Puppy/Kitten Preventative Care add-on if your pet is under two years old.
2 Wellness Exams
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Spay/Neuter Procedure
Microchip
*Exact preventative coverage and item limits amounts vary by state. Please review options before purchase and read your policy details.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for ASPCA Pet Health Insurance Program and Lemonade.
ASPCA Pet Health Insurance Program Claims Details
The ASPCA Pet Health Insurance Program has an app you can use to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment.
Quick claims process with an easy-to-use app
Trackable claim status using the app
Direct deposit option for receiving reimbursements
Lemonade Claims Details
Lemonade Pet Insurance has a unique claims experience. Using their app, you will select the reason for your claim, upload invoices and receipts then record a confidential video explaining the treatment and other claim details. You have 180 days from the date of treatment (if you live in Texas, you have 90 days) to file.
Direct deposit option for receiving reimbursements
Convenient and tech-savvy claim submission on mobile app
Responsive claims customer service
Our ASPCA Pet Health Insurance Program vs. Lemonade Review
The ASPCA Pet Health Insurance Program and Lemonade offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers offer an optional wellness coverage add-on. The coverage the ASPCA Pet Health Insurance Program offers in its base plan is more extensive but with Lemonade you can customize coverage more. The ASPCA Pet Health Insurance Program and Lemonade offer multiple reimbursement, deductible, and annual limit options to customize your coverage and price. However, Lemonade has a maximum annual limit of $100,000. Overall, both providers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
