Lemonade vs. ASPCA Pet Insurance

Lemonade offers better pet insurance  than ASPCA for both dogs and cats, ranking first nationally compared to ASPCA's fifth and ninth position, respectively. Lemonade outperforms ASPCA across all categories in MoneyGeek's analysis, making it your best option whether you value lower premiums, broader financial protection or more responsive service.

Learn more about the best pet insurance options for your pet across different situations:

Whether you're insuring a dog or cat, Lemonade wins against ASPCA as the best pet insurance company in all 50 states.

Lemonade offers cheaper rates across all pet insurance cost categories for dogs and cats, with senior cat coverage showing the biggest cost gap in Lemonade’s favor. Senior dog coverage delivers the second-highest savings, while middle-aged dog owners see the smallest difference in monthly pricing with Lemonade.

Lemonade offers the cheapest pet insurance across all 50 states for every age category when compared to ASPCA. The savings vary by state and pet age, with senior pets having the largest price differences between the two providers.

• Kittens: Lemonade runs $6 to $12 monthly while ASPCA charges $9 to $17. Maryland has the biggest price gap, with kitten coverage through Lemonade costing 37% less than ASPCA.
• Puppies: Lemonade's monthly rates come in at $12 to $24 versus ASPCA's $17 to $31. Arkansas pet owners get the best deal, with Lemonade running 25% cheaper for puppy coverage.
• Young cats: Lemonade charges $9 to $17 monthly compared to ASPCA's $14 to $25. Maryland has the biggest savings gap, where choosing Lemonade over ASPCA cuts young cat owners' costs by 39%.
• Young dogs: Lemonade costs $17 to $32 monthly, while ASPCA runs $21 to $40. Arkansas has the lowest rate in this group at $17 monthly, putting Lemonade 20% below ASPCA.
• Middle-aged cats: Lemonade's $15 to $28 monthly beats ASPCA's $22 to $39. Maryland cat owners come out ahead again, saving 34%, the highest discount in this age bracket.
• Middle-aged dogs: This is the tightest category. Lemonade runs $30 to $60 monthly and ASPCA comes in at $32 to $61, so Arkansas pet owners save about 8% with Lemonade.
• Senior cats: The price gap widens here. Lemonade costs $21 to $41 monthly while ASPCA charges $51 to $95. Maryland residents save 60% by going with Lemonade, the largest discount across all age groups.
• Senior dogs: Lemonade runs $39 to $75 monthly versus ASPCA's $78 to $150. Arkansas is the most affordable state at $39 per month through Lemonade, roughly 50% less than ASPCA.

ASPCA offers more pet insurance discounts than Lemonade, with four saving opportunities compared to Lemonade's three. ASPCA provides higher discounts for multi-pet households at 10% per additional pet versus Lemonade's 5% for two or more pets, plus ASPCA offers exclusive savings for association members, employer groups and veterinary staff. Lemonade wins for customers seeking bundling discounts with other insurance policies or annual payment savings, both unavailable through ASPCA.

Lemonade provides better customer experience for dog and cat owners, ahead of ASPCA in our national ranking by three spots. Although ASPCA earns a higher rating from the Better Business Bureau, Lemonade outperforms its competitor by holding a stronger Trustpilot rating and positive sentiment from Reddit users.

Lemonade's pet insurance coverage is superior than ASPCA's, with Lemonade ranking sixth nationally, while ASPCA lags behind by two spots. Lemonade requires a shorter waiting period for accidents and offers more coverage options for deductibles, annual limits and reimbursement rates, which you can adjust within the first 14 days of purchase. The company also has various optional add-ons to extend your base coverage for your pet's health needs.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both Lemonade and ASPCA offer optional wellness plans to cover routine veterinary care, but they differ in coverage tiers and reimbursement structures. Lemonade provides three preventive care packages, plus a specialized puppy and kitten package. Meanwhile,  ASPCA offers two wellness tiers fixed annual coverage amounts.

Lemonade provides more optional add-ons to supplement your base policy, while ASPCA doesn't have any beyond its wellness plans. With Lemonade, you can choose among the following add-ons:

• Visit fees add-on: Pays back vet exam fees tied to covered accidents and illnesses.
• Physical therapy add-on: Covers acupuncture, chiropractic care and hydrotherapy following accidents or illnesses.
• Dental illness add-on: Covers tooth extractions, root canals and other dental procedures your pet needs.
• Behavioral conditions add-on: Pays for diagnostics and training under a licensed professional for issues like anxiety or aggression.
• End-of-life coverage add-on: Covers vet-recommended euthanasia and cremation costs.

Lemonade beats ASPCA on price, customer service and coverage breadth. Monthly rates run $45 for middle-aged dogs and $22 for cats. You can also adjust your coverage level and layer in optional add-ons to match your pet's needs.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Lemonade and ASPCA pet insurance through these common questions: