Key Differences
Healthy Paws has a fixed annual limit, and Lemonade’s is configurable up to $100,000.
Lemonade has a shorter accident waiting period than Healthy Paws.
Healthy Paws offers Direct Vet Pay with prior approval.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Healthy Paws and Lemonade offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
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Total Reviews: |
4,905 |
105,650 |
Deductible: |
$100, $250, $500, $750, or $1,000* |
$100, $250, $500, or $750 |
Reimbursement: |
50%, 60%, 70%, 80%, or 90%* |
70%, 80%, or 90% |
Annual Limit: |
Unlimited |
$5,000 to $100,000 |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
None |
Illness Waiting Period: |
15 days** |
14 days |
Wellness Waiting Period: |
Not available |
0 days |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Excluded |
Optional |
Dental Coverage: |
Limited Coverage |
Optional |
Exam Fee Coverage: |
No |
Additional Cost |
Direct Vet Pay: |
Yes, with prior approval |
No |
Claims Expiration: |
Within any time of the coverage period of your policy |
Within 180 days from the date of treatment** |
Claims Submission App: |
Yes |
Yes |
Healthy Paws Accident and Illness Coverage
Healthy Paws, backed by Chubb, offers accident and illness coverage for dogs and cats in one easy-to-understand pet insurance policy. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$100, $250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70%, 80%, or 90%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
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 Healthy Paws and Lemonade.
Healthy Paws Claims Details
With Healthy Paws, you can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to their mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
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 Healthy Paws vs. Lemonade Review
Healthy Paws and Lemonade offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Lemonade offers an optional wellness coverage add-on, but Healthy Paws does not. As for coverage, Lemonade has more flexible coverage customization, and Healthy Paws doesn’t have annual payout caps and offers Direct Vet Pay.
Lemonade offers multiple reimbursement, deductible, and annual limit options to customize your coverage and price. Healthy Paws has a fixed maximum limit but offers multiple reimbursement and deductible options to customize your coverage and price. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
