Lemonade vs. ASPCA Pet Insurance

Lemonade offers better pet insurance coverage than ASPCA for both dogs and cats, ranking sixth nationally while ASPCA ranks eighth. Lemonade provides more flexible deductible options and shorter accident waiting periods, though both companies offer similar annual coverage limits and reimbursement rates of up to 90%.

Lemonade dominates state-level rankings as the best pet insurance company in 47 states for cats and 42 states for dogs. This widespread leadership across nearly all states demonstrates Lemonade's consistent performance advantage over ASPCA nationwide.

Lemonade offers more affordable pet insurance than ASPCA across all age groups for both cats and dogs. For middle-aged dogs, Lemonade costs $45 per month compared with ASPCA's $48. Middle-aged cats cost $22 with Lemonade versus $31 with ASPCA.

Learn how much pet insurance costs across different age categories.

Lemonade offers the cheapest pet insurance in 41 states across every pet category. Lemonade consistently beats ASPCA pricing for middle-aged dogs, middle-aged cats, puppies, and senior pets nationwide.

We know pet owners often face surprise veterinary bills — and pet insurance discounts can make the difference. Both Lemonade and ASPCA offer several ways to save on pet insurance premiums, helping you maximize your pet’s financial protection.

Lemonade delivers better customer experience than ASPCA, ranking third nationally for both dog and cat coverage in our study. ASPCA ranks ninth, placing six spots behind Lemonade. The providers show mixed third-party ratings, with ASPCA earning a stronger BBB rating while Lemonade receives higher Trustpilot scores from actual customers.

ASPCA offers better pet insurance coverage for dogs and cats than Lemonade, ranking sixth nationally while Lemonade ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but ASPCA has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.

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

Lemonade provides more optional add-ons than ASPCA, appealing to pet owners who want additional financial protection for routine care, behavioral therapy or end-of-life expenses. ASPCA’s wellness plan add-ons focus on preventive care and annual check-ups.

• Preventive care package: Covers one wellness exam, three vaccinations, blood tests, parasite screening and heartworm treatment or flea/tick medication.
• Physical therapy add-on: Includes acupuncture, chiropractic care and hydrotherapy after accidents or illnesses.
• Dental illness add-on: Covers 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 support for vet-recommended euthanasia and cremation.

• Preventive care coverage: Two tiers (Basic and Prime) cover annual wellness exams, dental cleaning, vaccines, flea/heartworm prevention and spay/neuter.
• Routine wellness add-on: Reimburses routine tests like blood tests, fecal testing, urinalysis and microchipping.

Lemonade beats ASPCA across the board, delivering better affordability, more comprehensive coverage, and superior customer service. Lemonade charges $45 per month for middle-aged dogs and $22 for cats, making it the more budget-friendly option. The provider offers broader coverage options including wellness add-ons and faster claim processing. Lemonade earns a 4.2 out of 5.0 Trustpilot rating and B- BBB rating, reflecting solid customer satisfaction despite mixed review experiences.

Compare Lemonade and ASPCA pet insurance through these common questions:

Evaluating Lemonade vs ASPCA required gathering quotes and policy details under identical circumstances. We analyzed both providers using the same pet profiles and coverage specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Our analysis weighted three key factors based on their importance to pet owners:

Affordability (50% of score): We obtained quotes across multiple coverage options and pet ages to assess actual monthly costs, including available discounts that reduce premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to measure customer satisfaction with claims processing and support services.

Coverage (20% of score): We examined policy benefits, waiting periods and optional add-ons to determine which provider offers more comprehensive pet health protection.