Key Differences
Nationwide has a fixed annual limit, and Lemonade’s is configurable up to $100,000.
Lemonade has a shorter accident waiting period than Nationwide.
Nationwide has a longer window to file claims than Lemonade.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Lemonade and Nationwide offer.
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 |
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
102,209 |
76,077 |
Deductible: |
$100, $250, $500, or $750 |
$250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, or 70% |
Annual Limit: |
$5,000 to $100,000 |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
None |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
1 day |
Orthopedic Waiting Period: |
30 days |
12 months |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Optional |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
Optional |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 180 days from the date of treatment** |
Within 365 days of the date of treatment* |
Claims Submission App: |
Yes |
No |
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.
Nationwide Accident and Illness Coverage
Nationwide offers accident and illness coverage you can configure your deductible and reimbursement rate to fit your budget and needs.
Deductible Options
$250, $500, or $1,000
Reimbursement Options
50%, 60%, or 70%
Annual Limit Options
Unlimited
What's Covered
Accidents
Alternative Treatment
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
Optional Wellness Coverage Add-On
Nationwide offers two levels of optional wellness coverage. The first level provides $450 in annual benefits and the second level provides $800. Here’s what is covered in each.
Level 1 - $450 Total Annual Benefit
Physical Exam (2 exams per term)
Vaccination or Titer
Heartworm or FeLV/FIV test
Fecal test
Deworming
Microchip
Health certificate
Flea control OR Heartworm prevention
Level 2 - $800 Total Annual Benefit
Everything listed in Level 1 is covered plus:
One additional test
Health screen (blood test), Radiograph (x-rays), or Electrocardiogram (EKG)
Spay/neuter/dental**
**Coverage for spay/neuter or dental starts 90 days after the original policy term effective date.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Lemonade and Nationwide.
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
Nationwide Claims Details
With Nationwide Pet Insurance, you can file a claim through an online portal, fax, mail, or email with invoice(s).
Direct deposit option for receiving reimbursements
Trackable claim status using the online portal
Our Lemonade vs. Nationwide Review
Nationwide and Lemonade offer coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both providers offer an optional wellness coverage add-on. As for coverage, Nationwide offers more extensive coverage in their base plan, with Lemonade you can customize your coverage more. Lemonade offers options for deductibles, reimbursement rates, and annual limits. Nationwide also has a fixed maximum limit but offers multiple reimbursement and deductible options to customize your coverage and price. 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.
