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 owners saving 56% compared to ASPCA. Senior dog coverage delivers the second-highest savings at 50%, while middle-aged dog owners see the smallest gap at 6% savings 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 costs $6 to $12 monthly while ASPCA charges $9 to $17 monthly. Maryland delivers the highest savings at 37%, where kitten coverage costs significantly less with Lemonade.
• Puppies: Monthly rates range from $12 to $24 with Lemonade compared to ASPCA's $17 to $31. Arkansas offers 25% savings, making Lemonade the clear winner for puppy coverage.
• Young cats: Lemonade charges $9 to $17 monthly versus ASPCA's $14 to $25. Pet owners in Maryland save 39% by choosing Lemonade over ASPCA for young cat insurance.
• Young dogs: Rates run $17 to $32 monthly with Lemonade, while ASPCA costs $21 to $40. Arkansas has the lowest rate at $17 monthly, providing 20% savings from Lemonade.
• Middle-aged cats: Lemonade's $15 to $28 monthly rates beat ASPCA's $22 to $39. Maryland cat owners enjoy 34% savings, the highest discount in this age bracket.
• Middle-aged dogs: With Lemonade at $30 to $60 monthly and ASPCA at $32 to $61, savings reach 8% in Arkansas—the smallest gap across all categories.
• Senior cats: Lemonade costs $21 to $41 monthly compared to ASPCA's $51 to $95. Maryland residents save 60%, representing the largest discount of any category.
• Senior dogs: Monthly premiums range from $39 to $75 with Lemonade versus ASPCA's $78 to $150. Arkansas is the cheapest state at $39 per month from Lemonade, for about 50% savings.

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 delivers 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: Reimburses vet exam fees related to eligible accidents and illnesses.
• Physical therapy add-on: Includes acupuncture, chiropractic care and hydrotherapy after accidents or illnesses.
• Dental illness add-on: Covers dental procedures such as tooth extractions and root canals.
• Behavioral conditions add-on: Covers diagnostics and training for issues like anxiety or aggression under a licensed professional.
• End-of-life coverage add-on: Provides financial protection for vet-recommended euthanasia and cremation.

Lemonade beats ASPCA for pet insurance overall, providing cheaper rates, better customer service and more comprehensive coverage. Lemonade charges $45 per month for middle-aged dogs and $22 per month for cats, making it ideal for cost savings. The provider also offers flexibility in customizing your coverage level, plus various optional add-ons for maximum financial protection.

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

Compare Lemonade and ASPCA pet insurance through these common questions: