Key Differences
Pets Best has a shorter accident waiting period than Lemonade in some states.
Lemonade’s highest deductible option is $750, and Pets Best’s is $1,000.
Pets Best has an unlimited maximum annual limit, Lemonade's is $100,000.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Pets Best and Lemonade offer.
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Price: |
Get a Quote | Get a Quote |
Overall Rating: |
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Total Reviews: |
19,362 |
102,209 |
Deductible: |
$50, $100, $200, $250, $500, or $1,000 |
$100, $250, $500, or $750 |
Reimbursement: |
70%, 80%, or 90% |
70%, 80%, or 90% |
Annual Limit: |
$5,000, $10,000, or Unlimited |
$5,000 to $100,000 |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
3 days* |
None |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 days |
Orthopedic Waiting Period: |
6 months |
30 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Limited Coverage |
Optional |
Exam Fee Coverage: |
Optional |
Additional Cost |
Direct Vet Pay: |
Yes |
No |
Claims Expiration: |
Within 180 days of treatment |
Within 180 days from the date of treatment** |
Claims Submission App: |
No |
Yes |
Pets Best Accident and Illness Coverage
Pets Best offers an accident and illness plan. You can also configure some coverage options, such as exam fees, to be included or excluded to fit your needs.
Annual Deductible Options
$50, $100, $200, $250, $500, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, or Unlimited
What's Covered
Accidents
Behavioral Issues
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care and Hospitalization
Euthanasia
Hereditary Conditions
Illnesses
Prescription Medications*
Prosthetic Devices and Wheelchairs
Surgery
Review a sample policy for a complete list of coverage and exclusions
*Coverage included with most accident & illness plans. Review a sample policy for a complete list of covered medications.
Optional Routine Care Add-On
Pet’s Best offers two levels of an optional wellness care add-on, EssentialWellness or BestWellness. The main difference between the two is the amount you receive towards annual benefits. For EssentialWellness it’s up to $305 and for BestWellness it’s $535. Here’s what is covered in each level:
EssentialWellness
Pays up to the following limits, per year, with no deductible:
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
BestWellness
Pays up to the following limits, per year, with no deductible:
Spay/Neuter — Teeth Cleaning
Rabies
Flea/Tick Prevention
Heartworm Prevention
Vaccination/Titer
Wellness Exam
Heartworm test or FELV screen
Blood, fecal, and parasite exam
Microchip
Urinalysis or ERD
Deworming
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 Pets Best and Lemonade.
Pets Best Claims Details
Pets Best Insurance has an online portal where you can directly submit your claims. Alternatively, you can submit claims via fax, mail, or email with the invoice(s) within 180 days of treatment.
Direct deposit option for receiving reimbursements on eligible conditions
Convenient claim submission on desktop or mobile through a customer portal
Offers direct vet pay
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 Pets Best vs. Lemonade Review
Pets Best and Lemonade offer comprehensive coverage for accidents, illnesses, and various health issues. Both providers offer an optional wellness coverage add-on. As for coverage, Pets Best offers more extensive coverage in its base plan and Direct Vet Pay. Pets Best and Lemonade offer options for deductibles, reimbursement rates, and annual limits. 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
