Lemonade provides better pet insurance coverage for both dogs and cats than Healthy Paws, though both companies rank sixth nationally. Research shows Lemonade offers more flexible deductible options ranging from $100 to $500, while Healthy Paws limits choices to $100, $250, or $500. Both providers offer unlimited annual coverage and 70% to 90% reimbursement rates, but Lemonade has a shorter two-day accident waiting period compared to Healthy Paws' 15-day requirement and allows coverage changes within 30 days of enrollment.
Lemonade vs. Healthy Paws Pet Insurance
Updated: November 3, 2025
Advertising & Editorial Disclosure
Lemonade vs. Healthy Paws Pet Insurance: Key Takeaways
Lemonade offers more affordable pet insurance rates than Healthy Paws, with monthly premiums of $45 for middle-aged dogs and $22 for middle-aged cats compared to Healthy Paws' rates of $136 and $59 respectively.
Lemonade ranks third nationally in customer experience for both cats and dogs, with a Trustpilot rating of 4.2 out of 5.0 stars, surpassing Healthy Paws' fifth-place ranking and 3.8-star rating.
Both providers rank sixth nationwide for coverage, though Lemonade offers a two-day accident waiting period compared to Healthy Paws' 15-day wait, plus additional wellness and preventive care options.
Is Lemonade or Healthy Paws Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Lemonade | 1 | 6 |
| Coverage | Lemonade | 6 | 6 |
| Customer Experience | Lemonade | 3 | 5 |
| Overall Score | Lemonade | 1 | 6 |
Lemonade and Healthy Paws Comparison by State
Lemonade dominates as the best pet insurance company across 47 states for cat coverage and 42 states for dog insurance. This widespread state-level leadership demonstrates Lemonade's strong market position nationwide for both pet categories.
Data filtered by:
Overall Score
Dog
| Alabama | Lemonade | 1 | 5 |
| Alaska | Lemonade | 1 | 5 |
| Arizona | Lemonade | 1 | 5 |
| Arkansas | Lemonade | 2 | 4 |
| California | Lemonade | 1 | 5 |
| Colorado | Lemonade | 1 | 5 |
| Connecticut | Lemonade | 1 | 5 |
| Delaware | Lemonade | 1 | 5 |
| Florida | Lemonade | 1 | 5 |
| Georgia | Lemonade | 1 | 5 |
| Hawaii | Lemonade | 1 | 5 |
| Idaho | Lemonade | 1 | 5 |
| Illinois | Lemonade | 1 | 5 |
| Indiana | Lemonade | 2 | 4 |
| Iowa | Lemonade | 1 | 5 |
| Kansas | Lemonade | 1 | 5 |
| Kentucky | Lemonade | 1 | 5 |
| Louisiana | Lemonade | 1 | 5 |
| Maine | Lemonade | 1 | 5 |
| Maryland | Lemonade | 1 | 5 |
| Massachusetts | Lemonade | 1 | 5 |
| Michigan | Lemonade | 1 | 5 |
| Minnesota | Lemonade | 1 | 5 |
| Mississippi | Lemonade | 1 | 5 |
| Missouri | Lemonade | 1 | 5 |
| Montana | Lemonade | 1 | 5 |
| Nebraska | Lemonade | 1 | 5 |
| Nevada | Lemonade | 1 | 5 |
| New Hampshire | Lemonade | 1 | 5 |
| New Jersey | Lemonade | 1 | 5 |
| New Mexico | Lemonade | 2 | 4 |
| New York | Lemonade | 1 | 5 |
| North Carolina | Lemonade | 1 | 5 |
| North Dakota | Lemonade | 2 | 4 |
| Ohio | Lemonade | 1 | 5 |
| Oklahoma | Lemonade | 2 | 4 |
| Oregon | Lemonade | 1 | 5 |
| Pennsylvania | Lemonade | 1 | 5 |
| Rhode Island | Lemonade | 1 | 5 |
| South Carolina | Lemonade | 2 | 4 |
| South Dakota | Lemonade | 2 | 4 |
| Tennessee | Lemonade | 1 | 5 |
| Texas | Lemonade | 1 | 5 |
| Utah | Lemonade | 1 | 5 |
| Vermont | Lemonade | 1 | 5 |
| Virginia | Lemonade | 1 | 5 |
| Washington | Lemonade | 2 | 4 |
| West Virginia | Lemonade | 1 | 5 |
| Wisconsin | Lemonade | 1 | 5 |
| Wyoming | Lemonade | 1 | 5 |
Lemonade vs. Healthy Paws Pet Insurance Cost
Lemonade offers more affordable pet insurance than Healthy Paws across all age groups for both cats and dogs. For middle-aged dogs, Lemonade costs $45 per month compared with Healthy Paws' $136 per month. Middle-aged cats cost $22 with Lemonade versus $59 with Healthy Paws.
Learn how pet insurance costs vary across different age categories.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 77% |
| Young Cats | Lemonade | $13 | 51% |
| Puppies | Lemonade | $19 | 61% |
| Middle Aged Cats | Lemonade | $22 | 62% |
| Young Dogs | Lemonade | $25 | 42% |
| Senior Cats | Lemonade | $32 | 49% |
| Middle Aged Dogs | Lemonade | $45 | 67% |
| Senior Dogs | Lemonade | $58 | 49% |
Lemonade vs. Healthy Paws Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance across all 41 states we analyzed. The company beats Healthy Paws in every category, including middle-aged dogs and cats, making it the clear winner for affordable coverage.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 67% |
| Arizona | Lemonade | $54 | 67% |
| Arkansas | Lemonade | $30 | 67% |
| California | Lemonade | $56 | 67% |
| Colorado | Lemonade | $56 | 67% |
| Connecticut | Lemonade | $51 | 67% |
| Delaware | Lemonade | $45 | 67% |
| Florida | Lemonade | $50 | 67% |
| Georgia | Lemonade | $40 | 67% |
| Hawaii | Lemonade | $45 | 67% |
| Illinois | Lemonade | $55 | 67% |
| Indiana | Lemonade | $40 | 67% |
| Iowa | Lemonade | $37 | 67% |
| Louisiana | Lemonade | $36 | 67% |
| Maryland | Lemonade | $43 | 67% |
| Massachusetts | Lemonade | $57 | 67% |
| Michigan | Lemonade | $44 | 67% |
| Minnesota | Lemonade | $46 | 67% |
| Mississippi | Lemonade | $38 | 67% |
| Missouri | Lemonade | $35 | 67% |
| Montana | Lemonade | $37 | 67% |
| Nebraska | Lemonade | $40 | 67% |
| Nevada | Lemonade | $46 | 67% |
| New Hampshire | Lemonade | $51 | 67% |
| New Jersey | Lemonade | $50 | 67% |
| New Mexico | Lemonade | $39 | 67% |
| New York | Lemonade | $48 | 67% |
| North Carolina | Lemonade | $39 | 67% |
| North Dakota | Lemonade | $34 | 67% |
| Ohio | Lemonade | $41 | 67% |
| Oklahoma | Lemonade | $37 | 67% |
| Oregon | Lemonade | $55 | 67% |
| Pennsylvania | Lemonade | $46 | 67% |
| Rhode Island | Lemonade | $39 | 67% |
| South Carolina | Lemonade | $42 | 68% |
| Tennessee | Lemonade | $41 | 67% |
| Texas | Lemonade | $47 | 67% |
| Utah | Lemonade | $42 | 67% |
| Virginia | Lemonade | $47 | 67% |
| Washington | Lemonade | $51 | 67% |
| Wisconsin | Lemonade | $47 | 67% |
Lemonade vs. Healthy Paws Pet Insurance Discounts
Both providers offer ways to save on pet insurance premiums, though their discount structures differ markedly. Choosing the right provider can make a meaningful difference in annual cost.
Save up to ~10% when you enrol two or more pets. | None publicly listed. | |
Bundling | Save up to ~10% when you bundle with other Lemonade products. | None publicly listed. |
Annual Pay-In-Full | Save up to ~5% when you pay your premium annually instead of monthly. | None publicly listed. |
Association/Club Member | None specifically marketed. | None publicly listed. |
Employer Group | Might be available via employer-benefit programs with Lemonade. | None publicly listed. |
Lemonade vs. Healthy Paws Pet Insurance Customer Experience
Lemonade delivers better customer experience than Healthy Paws, ranking third nationally for both dog and cat coverage. Lemonade earns higher customer satisfaction with a Trustpilot score of 4.2 out of 5.0 compared to Healthy Paws' 3.8 rating. However, the providers show mixed third-party results, with Healthy Paws maintaining an A+ BBB rating while Lemonade holds a B- rating.
Lemonade vs. Healthy Paws Trustpilot Ratings
Lemonade earns a higher Trustpilot rating at 4.2 out of 5.0 compared to Healthy Paws' 3.8 out of 5.0. These verified customer reviews suggest Lemonade users report more positive experiences with the company's digital-first approach and customer service responsiveness.
Lemonade vs. Healthy Paws BBB Ratings
Healthy Paws holds an A+ BBB rating with accreditation, demonstrating strong complaint resolution and business transparency. Lemonade has a B- rating and is not accredited, indicating Healthy Paws maintains higher BBB standards for ethical business practices.
Lemonade vs. Healthy Paws Reddit Sentiment
We analyzed Reddit discussions and found Lemonade achieved 72% positive sentiment from 32 total comments, while Healthy Paws scored 20% positive from 40 comments. User sentiment on Reddit shows Lemonade performs significantly better in online discussions, with customers frequently praising its streamlined claims process and user experience.
Lemonade vs. Healthy Paws Pet Insurance Coverage
Healthy Paws 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 Healthy Paws 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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (under illness/accident policy and via add-ons) | ✓ (under illness/accident policy) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ (after waiting period) | ✓ (covered) |
Congenital conditions | ✓ (after waiting period) | ✓ (covered) |
Chronic conditions | ✓ (after waiting) | ✓ (covered) |
✓ (subject to waiting/age) | ✓ (if enrolled before age 6; waiting applies) | |
Multiple deductible options (e.g., $100-$1,000) | Deductible options $100, $250, $500 etc. | |
Options including high limits (varies by state) | No per-incident, annual or lifetime limits | |
60%-90% typical range | 70%-90% typical range | |
2 days accidents, 14 days illnesses in many states | ~15 days for accidents/illnesses in many states | |
Age restrictions | Enrollment from 8 weeks; later-age enrollment options vary | Enrollment allowed up to age 14 in many states |
Excluded; illness showing signs before coverage is not covered | Excluded; includes bilateral exclusion for certain ligament injuries | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Lemonade vs. Healthy Paws Pet Insurance Add-ons
Pet owners looking for more coverage flexibility will find that Lemonade offers a variety of optional add-ons, while Healthy Paws keeps its policy simple by excluding wellness or routine-care upgrades.
Lemonade Pet Insurance Add-ons
Lemonade offers multiple add-ons that allow pet owners to tailor coverage for preventive and advanced care.
- Preventative Care package: Covers annual exam, vaccines, blood tests, parasite screening, and heartworm testing.
- Preventative+ package: Includes all Preventative Care benefits plus dental cleaning, heartworm treatment, and flea/tick medication).
- Puppy/kitten package: For pets under two years old, includes two wellness exams, multiple vaccines), spay/neuter), and microchipping.
- Vet visit fee add-on: Covers exam fees for illnesses or injuries.
- Physical therapy add-on: Includes hydrotherapy, acupuncture, chiropractic care, and rehabilitation.
- Dental illness add-on: Covers root canals, extractions, and periodontal treatments.
- Behavioral conditions add-on: Covers diagnostics, therapy, and training for anxiety, aggression, or phobias.
- End-of-life add-on: Helps pay for euthanasia and cremation) costs when recommended by a vet.
Healthy Paws Pet Insurance Add-ons
Healthy Paws offers zero add-on wellness plans. The company focuses exclusively on accident and illness coverage and does not provide optional wellness or preventive care riders. Pet owners looking for coverage of routine services like vaccines, dental cleanings, or wellness exams will need to pay out-of-pocket or consider other insurance providers that offer these add-on options.
Lemonade vs. Healthy Paws Pet Insurance: Bottom Line
Lemonade beats Healthy Paws across affordability, coverage, and customer service, making it the superior choice for pet insurance. Lemonade delivers significantly lower rates, charging just $45 monthly for middle-aged dogs and $22 for cats compared to Healthy Paws' much higher premiums. Lemonade also provides more comprehensive coverage options and faster digital claims processing. Despite Healthy Paws' A+ BBB rating, Lemonade earns higher customer satisfaction with a 4.2 Trustpilot rating, reflecting better real-world service experiences.
Lemonade vs. Healthy Paws Pet Insurance Comparison: FAQ
Compare Lemonade and Healthy Paws pet insurance through these common questions:
Which is cheaper: Lemonade vs Healthy Paws pet insurance?
Lemonade is cheaper than Healthy Paws pet insurance across all pet categories in 41 states. Lemonade charges $22 monthly for middle-aged cats versus Healthy Paws' $59. The savings are even more dramatic for middle-aged dogs, with Lemonade at $45 per month compared to Healthy Paws' $136 monthly rate.
Which has better customer service: Lemonade vs Healthy Paws pet insurance?
Lemonade delivers superior customer service, ranking third nationally for customer experience compared to Healthy Paws' eighth-place ranking. Lemonade achieves a 4.2 out of 5.0 Trustpilot score with a B- BBB rating, while Healthy Paws holds a 3.8 Trustpilot score and an A+ BBB rating.
Which offers better coverage: Lemonade vs Healthy Paws pet insurance?
Lemonade offers better coverage than Healthy Paws, ranking 6th nationally for both cats and dogs. Lemonade provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Healthy Paws focuses primarily on accident and illness coverage with limited extras. Both cover standard diagnostics, treatments, and chronic conditions, but Lemonade's broader customization options make it superior.
Can I switch from Lemonade vs Healthy Paws pet insurance or vice versa?
Yes, you can switch between Lemonade and Healthy Paws pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: 14 days for illnesses and up to 6 months for orthopedic conditions. Any conditions your pet had under the previous policy will be considered pre-existing.
Does Lemonade vs Healthy Paws cover pre-existing conditions?
Neither Lemonade nor Healthy Paws covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage later for certain curable conditions. Lemonade covers previously excluded conditions after 12 consecutive months without symptoms, treatment, or flare-ups. Healthy Paws follows similar guidelines for curable conditions that remain symptom-free.
Can I get discounts with both Lemonade vs Healthy Paws pet insurance?
Yes, both Lemonade and Healthy Paws offer discounts to help reduce your premium costs. Lemonade provides multiple discount options, including 5% off for annual payments, 10% for multi-pet policies, and savings through select employer partnerships. Healthy Paws offers fewer discount types but includes 5% off for annual payments and multi-pet discounts.
What are the age limits for Lemonade vs Healthy Paws pet insurance?
Healthy Paws accepts pets from 8 weeks old with no upper age limit for enrollment. Lemonade also covers pets starting at 8 weeks but sets maximum enrollment ages between 10-14 years depending on your pet's breed. This makes Healthy Paws the better option for senior pet owners.
How We Scored Lemonade vs. Healthy Paws Pet Insurance
Evaluating Lemonade vs Healthy Paws required analyzing both providers under identical conditions. We gathered quotes using the same pet profiles and policy specifications to ensure fair comparison.
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored both companies using three weighted factors based on their importance to pet owners.
Affordability (50% of score): We collected quotes across different pet ages and coverage options to determine 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 quality.
Coverage (20% of score): We compared policy features, waiting periods and available add-ons to assess which provider offers more comprehensive pet health protection.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.