Lemonade is better than Met Life for pet insurance, whether you have a dog or a cat. Lemonade outperforms Met Life across affordability, customer experience and coverage categories, meaning the company remains the best option regardless of whether you're looking for lower rates, superior service or broader financial protection.
Lemonade vs. Met Life Pet Insurance
Updated: January 15, 2026
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Lemonade vs. Met Life Pet Insurance: Key Takeaways
Lemonade is cheaper than Met Life for pet insurance, charging $22 monthly for middle-aged cats and $45 monthly for dogs, while Met Life costs $35 and $61 respectively.
Lemonade's customer service is superior than Met Life, receiving 72% positive sentiment on Reddit for fast claim approvals on its user-friendly mobile app.
Lemonade wins against Met Life for coverage rankings, offering up to $100,000 in annual limit and more choices for its optional add-ons.
Is Lemonade or Met Life Pet Insurance Better?
| Cat | Affordability | Lemonade | 3 | 10 |
| Cat | Coverage | Lemonade | 6 | 7 |
| Cat | Customer Experience | Lemonade | 3 | 8 |
| Cat | Overall Score | Lemonade | 1 | 12 |
| Dog | Affordability | Lemonade | 1 | 6 |
| Dog | Coverage | Lemonade | 6 | 7 |
| Dog | Customer Experience | Lemonade | 3 | 8 |
| Dog | Overall Score | Lemonade | 1 | 10 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
Lemonade and Met Life Comparison by State
Our analysis found that Lemonade is the best pet insurance company in 50 states for dogs and cats compared to Met Life.
Data filtered by:
Select
| Alabama | Cat | Lemonade |
| Alabama | Dog | Lemonade |
| Alaska | Cat | Lemonade |
| Alaska | Dog | Lemonade |
| Arizona | Cat | Lemonade |
| Arizona | Dog | Lemonade |
| Arkansas | Cat | Lemonade |
| Arkansas | Dog | Lemonade |
| California | Cat | Lemonade |
| California | Dog | Lemonade |
| Colorado | Cat | Lemonade |
| Colorado | Dog | Lemonade |
| Connecticut | Cat | Lemonade |
| Connecticut | Dog | Lemonade |
| Delaware | Cat | Lemonade |
| Delaware | Dog | Lemonade |
| Florida | Cat | Lemonade |
| Florida | Dog | Lemonade |
| Georgia | Cat | Lemonade |
| Georgia | Dog | Lemonade |
| Hawaii | Cat | Lemonade |
| Hawaii | Dog | Lemonade |
| Idaho | Cat | Lemonade |
| Idaho | Dog | Lemonade |
| Illinois | Cat | Lemonade |
| Illinois | Dog | Lemonade |
| Indiana | Cat | Lemonade |
| Indiana | Dog | Lemonade |
| Iowa | Cat | Lemonade |
| Iowa | Dog | Lemonade |
| Kansas | Cat | Lemonade |
| Kansas | Dog | Lemonade |
| Kentucky | Cat | Lemonade |
| Kentucky | Dog | Lemonade |
| Louisiana | Cat | Lemonade |
| Louisiana | Dog | Lemonade |
| Maine | Cat | Lemonade |
| Maine | Dog | Lemonade |
| Maryland | Cat | Lemonade |
| Maryland | Dog | Lemonade |
| Massachusetts | Cat | Lemonade |
| Massachusetts | Dog | Lemonade |
| Michigan | Cat | Lemonade |
| Michigan | Dog | Lemonade |
| Minnesota | Cat | Lemonade |
| Minnesota | Dog | Lemonade |
| Mississippi | Cat | Lemonade |
| Mississippi | Dog | Lemonade |
| Missouri | Cat | Lemonade |
| Missouri | Dog | Lemonade |
| Montana | Cat | Lemonade |
| Montana | Dog | Lemonade |
| Nebraska | Cat | Lemonade |
| Nebraska | Dog | Lemonade |
| Nevada | Cat | Lemonade |
| Nevada | Dog | Lemonade |
| New Hampshire | Cat | Lemonade |
| New Hampshire | Dog | Lemonade |
| New Jersey | Cat | Lemonade |
| New Jersey | Dog | Lemonade |
| New Mexico | Cat | Lemonade |
| New Mexico | Dog | Lemonade |
| New York | Cat | Lemonade |
| New York | Dog | Lemonade |
| North Carolina | Cat | Lemonade |
| North Carolina | Dog | Lemonade |
| North Dakota | Cat | Lemonade |
| North Dakota | Dog | Lemonade |
| Ohio | Cat | Lemonade |
| Ohio | Dog | Lemonade |
| Oklahoma | Cat | Lemonade |
| Oklahoma | Dog | Lemonade |
| Oregon | Cat | Lemonade |
| Oregon | Dog | Lemonade |
| Pennsylvania | Cat | Lemonade |
| Pennsylvania | Dog | Lemonade |
| Rhode Island | Cat | Lemonade |
| Rhode Island | Dog | Lemonade |
| South Carolina | Cat | Lemonade |
| South Carolina | Dog | Lemonade |
| South Dakota | Cat | Lemonade |
| South Dakota | Dog | Lemonade |
| Tennessee | Cat | Lemonade |
| Tennessee | Dog | Lemonade |
| Texas | Cat | Lemonade |
| Texas | Dog | Lemonade |
| Utah | Cat | Lemonade |
| Utah | Dog | Lemonade |
| Vermont | Cat | Lemonade |
| Vermont | Dog | Lemonade |
| Virginia | Cat | Lemonade |
| Virginia | Dog | Lemonade |
| Washington | Cat | Lemonade |
| Washington | Dog | Lemonade |
| West Virginia | Cat | Lemonade |
| West Virginia | Dog | Lemonade |
| Wisconsin | Cat | Lemonade |
| Wisconsin | Dog | Lemonade |
| Wyoming | Cat | Lemonade |
| Wyoming | Dog | Lemonade |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Lemonade vs. Met Life Pet Insurance Cost
Whether you have a kitten, puppy or aging pet, Lemonade offers lower rates than Met Life. Kitten owners save the most, with Lemonade charging $10 per month compared to Met Life's $25 per month, a 61% difference.
Learn more about how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 61% |
| Young Cats | Lemonade | $13 | 54% |
| Puppies | Lemonade | $19 | 47% |
| Middle Aged Cats | Lemonade | $22 | 37% |
| Young Dogs | Lemonade | $25 | 42% |
| Senior Cats | Lemonade | $32 | 43% |
| Middle Aged Dogs | Lemonade | $45 | 26% |
| Senior Dogs | Lemonade | $58 | 52% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Lemonade vs. Met Life Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance rates across all 50 states and every pet age category compared to Met Life. Arkansas consistently shows the lowest premiums in our analysis, making it the most affordable state for both providers.
- Kittens: Lemonade costs $6 monthly in Arkansas compared to Met Life's $17 monthly, for about 62% savings.
- Puppies: Arkansas rates show $12 monthly for Lemonade versus $24 monthly for Met Life, cutting costs by 48%.
- Young cats: Young felines in Arkansas cost $9 monthly with Lemonade, beating Met Life's $19 rate by 55%.
- Young dogs: Arkansas pet owners save 43% with Lemonade at $17 monthly against Met Life's $30 monthly.
- Middle-aged cats: Lemonade charges $15 per month in Arkansas while Met Life costs $24 per month, a 38% difference.
- Middle-aged dogs: Arkansas is the most affordable state for middle-aged dogs, with Lemonade at $30 monthly compared to Met Life's $41 monthly (27% savings).
- Senior cats: Arkansas owners pay $21 monthly for Lemonade coverage versus Met Life's $38 monthly, a 44% difference.
- Senior dogs: In Arkansas, senior dogs cost $39 per month with Lemonade, beating Met Life's $82 per month by 53%.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 27% |
| Arizona | Lemonade | $54 | 27% |
| Arkansas | Lemonade | $30 | 27% |
| California | Lemonade | $56 | 27% |
| Colorado | Lemonade | $56 | 27% |
| Connecticut | Lemonade | $51 | 27% |
| Delaware | Lemonade | $45 | 27% |
| Florida | Lemonade | $50 | 27% |
| Georgia | Lemonade | $40 | 27% |
| Hawaii | Lemonade | $45 | 27% |
| Illinois | Lemonade | $55 | 27% |
| Indiana | Lemonade | $40 | 27% |
| Iowa | Lemonade | $37 | 27% |
| Louisiana | Lemonade | $36 | 27% |
| Maryland | Lemonade | $43 | 27% |
| Massachusetts | Lemonade | $57 | 27% |
| Michigan | Lemonade | $44 | 27% |
| Minnesota | Lemonade | $46 | 27% |
| Mississippi | Lemonade | $38 | 27% |
| Missouri | Lemonade | $35 | 27% |
| Montana | Lemonade | $37 | 27% |
| Nebraska | Lemonade | $40 | 27% |
| Nevada | Lemonade | $46 | 27% |
| New Hampshire | Lemonade | $51 | 27% |
| New Jersey | Lemonade | $50 | 27% |
| New Mexico | Lemonade | $39 | 27% |
| New York | Lemonade | $48 | 27% |
| North Carolina | Lemonade | $39 | 27% |
| North Dakota | Lemonade | $34 | 27% |
| Ohio | Lemonade | $41 | 27% |
| Oklahoma | Lemonade | $37 | 27% |
| Oregon | Lemonade | $55 | 27% |
| Pennsylvania | Lemonade | $46 | 27% |
| Rhode Island | Lemonade | $39 | 27% |
| South Carolina | Lemonade | $42 | 27% |
| Tennessee | Lemonade | $41 | 27% |
| Texas | Lemonade | $47 | 27% |
| Utah | Lemonade | $42 | 27% |
| Virginia | Lemonade | $47 | 27% |
| Washington | Lemonade | $51 | 27% |
| Wisconsin | Lemonade | $47 | 27% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Lemonade vs. Met Life Pet Insurance Discounts
Met Life offers more pet insurance discounts than Lemonade, with nine savings opportunities compared to Lemonade's three. However, Lemonade wins for pet owners who already have other insurance products, its 10% bundling discount beating any single Met Life discount and stacks with the 5% multi-pet savings. Met Life works better if you qualify for profession-based discounts like military service, health care work or veterinary employment.
Multiple pets | Get 5% discount when you enroll two or more pets under separate policies. | Get automatic savings when you enroll more than one pet. |
Bundling | Save 10% for bundling pet insurance with other Lemonade policies. | None. |
Paying annually | Receive 5% off when you pay annually in full instead of monthly. | None. |
Association | None. | 5% off for members of participating organizations. |
Employer group plan | None. | Save 10% when you join a participating employer's group plan. |
Veterinary staff | None. | Owners, staff members or volunteer workers in the animal care industry receive 10% discount. |
Health care worker | None. | 10% off on pet insurance for those working in the healthcare industry. |
Military, veteran and first responder | None. | Offers 10% discount for first responders or active/former members of the Armed Forces or National Guard/Reservists. |
Federal employee | None. | Save on premiums if you're a federal employee of the U.S. government. |
Internet purchase | None. | Lowers base premium by $1 when purchase pet insurance online. |
Deductible | None. | Reduces deductible by $50 for the next policy year if you didn't file a claim within the year. |
Lemonade vs. Met Life Pet Insurance Customer Experience
Lemonade wins against Met Life for customer experience, with Lemonade ranking third nationally, while Met Life is behind by five spots. Although Lemonade has lower ratings from Trustpilot and the Better Business Bureau, it outperforms Met Life by garnering stronger positive sentiment among Reddit users.
Lemonade vs Met Life Trustpilot Ratings
Met Life maintains a Trustpilot rating of 4.7 out of 5.0, while Lemonade holds 3.9 out of 5.0. Both companies earn praise for fast claim processing and user-friendly apps, but Met Life customers report more consistent reimbursement experiences while Lemonade users complain about slower follow-ups and claim denials.
Lemonade vs Met Life Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Lemonade performs better with 72% positive sentiment from 32 total comments (23 positive, nine negative), while Met Life earns 40% positive sentiment from 20 comments (eight positive, 12 negative). Pet owners rave about Lemonade's lightning-fast claim approvals, often within minutes through its mobile app, while Met Life users complain about slow processing times that stretch across multiple business days.
Lemonade vs. Met Life Pet Insurance Coverage
Lemonade's pet insurance coverage is better than Met Life's, ranking sixth nationally, while Met Life places seventh. Lemonade has a higher maximum annual limit ($100,000 versus $25,000), plus it covers non-chronic pre-existing conditions after 12 symptom-free months, whereas Met Life only provides coverage if you switch from from another insurer to its group policy.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750 | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | $500 to $25,000 in $1,000 increments | |
60%, 70%, 80%, 90% | 50%, 70%, 80%, 90% | |
2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events | 0 days for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | Only insures pets up to 14 years old, depending on breed | No upper age limit for enrollment |
Pre-existing conditions | Non-chronic pre-existing conditions may qualify for coverage if cured and symptom-free for 12 months | Only covers certain pre-existing conditions when you switch from another provider to Met Life's group policy; the condition must be covered by the previous insurer |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Lemonade vs. Met Life Wellness Plans
Lemonade and Met Life both provide optional wellness plans for routine care, but Lemonade wins with four packages compared to Met Life's two tier offerings.
- Routine Vet Care: Covers one annual wellness exam, three vaccines, heartworm or FeLV/FIV testing, fecal or internal parasite testing and bloodwork.
- Routine Vet Care Plus: Bumps you up to unlimited wellness exams and vaccines, plus Life Essentials coverage for spay/neuter procedures, microchipping, gastropexy, heartworm/flea/tick prevention medication, deworming, nail trimming, joint and organ screening, and more.
- Preventative+ Care: Adds routine dental cleanings and heartworm or flea/tick medication to your Routine Vet coverage.
- Puppy/Kitten Preventative Care: Designed for young pets under 2 years old with coverage for spay/neuter procedures, microchipping, flea/tick or heartworm medication, and up to six vaccines.
- Preventive 365: Reimburses up to $365 annually with set limits for each service: $15 for deworming, $50 for vet exams, $60 for microchipping or behavior training, $65 for health screens, $75 for vaccines and parasite prevention, and $100 for either spay/neuter or teeth cleaning.
- Preventive 575: Raises your annual coverage to $575 with higher per-service limits: $30 for deworming, $75 for vet exams, $120 for microchipping or behavior training, $100 for health screens, $100 for vaccines and parasite prevention, and $150 for either spay/neuter or teeth cleaning.
Lemonade vs. Met Life Pet Insurance Add-ons
Beyond wellness plans, Met Life doesn't offer any more optional add-ons. Meanwhile, Lemonade has five:
- Vet visit fee add-on: Covers veterinarian examination fees for eligible accidents and illnesses.
- Physical therapy add-on: Provides coverage for acupuncture, chiropractic, hydrotherapy and physical therapy after accidents or illnesses.
- Dental illness add-on: Covers dental procedures like tooth extractions, root canals and treatments for gingivitis and periodontal disease.
- Behavioral conditions add-on: Covers diagnostics, therapy sessions and training for issues like separation anxiety, phobias and aggressive behaviors when administered by licensed professionals.
- End-of-life coverage add-on: Covers vet-recommended euthanasia, cremation and memorial items to help with final expenses.
Lemonade vs. Met Life Pet Insurance: Bottom Line
Lemonade beats Met Life across every category in our analysis, making it the better choice for pet insurance. Lemonade delivers better value with rates starting at $45 monthly for middle-aged dogs and $22 monthly for cats, compared to Met Life's higher premiums. Lemonade also provides broader accident and illness coverage with various preventative packages. Additionally, Lemonade offers better customer service, earning 72% positive sentiment on Reddit for its fast claim approvals and user-friendly mobile app.
Compare other major pet insurance companies to determine the best choice for your pet:
Lemonade vs. Met Life Pet Insurance Comparison: FAQ
Compare Lemonade and Met Life pet insurance through these common questions:
What is the difference between Lemonade and Met Life pet insurance?
Based on our analysis, Lemonade outperforms Met Life in affordability, customer experience and coverage. Lemonade offers cheaper rates for all pet age categories, with up to 61% savings for kitten coverage. It also has a higher maximum annual limit of $100,000, on top of offering more options for its wellness plans. Additionally, Lemonade garners 72% positive sentiment on Reddit for its fast claim approvals.
Which is cheaper: Lemonade or Met Life pet insurance?
Lemonade is cheaper than Met Life pet insurance across all pet categories across the country. Middle-aged cats cost $22 per month with Lemonade versus Met Life's $35 monthly rate. Middle-aged dogs show even bigger savings at $45 monthly with Lemonade compared to Met Life's $61 per month.
Does Lemonade or Met Life have better coverage for dogs and cats?
Lemonade offers better coverage than Met Life, ranking sixth nationally compared to Met Life's seventh position for both pets. Lemonade provides extensive add-on options including behavioral therapy, dental illness coverage and end-of-life care, while Met Life focuses primarily on wellness plans as extras. Both insurers cover standard needs like diagnostics, medications and chronic conditions, but Lemonade has a higher maximum annual limit of $100,000 compared to Met Life's $25,000.
Which pet insurance is better for older pets: Lemonade or Met Life?
Met Life accepts pets of any age without upper enrollment limits, while Lemonade caps enrollment at 14 years old depending on breed. If your senior pet is already enrolled, both companies continue coverage for life without age-related cancellations. Met Life wins for new senior pet enrollments, but Lemonade offers cheaper rates for senior pets you insure before they hit the age limit.
Is Lemonade or Met Life pet insurance better for claims and reimbursement?
Lemonade beats Met Life on claim speed with instant approvals through its app, often reimbursing within minutes, while Met Life users report waiting multiple business days for claim processing. Reddit users consistently praise Lemonade's fast payouts compared to Met Life's slower turnaround times.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.