Lemonade offers better pet insurance for dogs and cats than Nationwide, ranking sixth nationally while Nationwide ranks ninth for both pet types. Research shows Lemonade provides more flexible coverage adjustment options and competitive deductible structures, while both companies offer similar annual limits and reimbursement rates, though Lemonade typically features shorter waiting periods for accident coverage.
Lemonade vs. Nationwide Pet Insurance
Updated: December 23, 2025
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Lemonade vs. Nationwide Pet Insurance: Key Takeaways
Lemonade provides more affordable pet insurance than Nationwide, with monthly premiums of $22 for middle-aged cats and $45 for middle-aged dogs, while Nationwide charges $52 and $101 respectively.
Lemonade ranks third nationally in customer experience for both cats and dogs, earning a 4.2 out of 5.0 Trustpilot rating, while Nationwide places fourth with a slightly higher 4.4 out of 5.0 rating.
In coverage rankings, Lemonade places sixth nationwide compared to Nationwide's ninth place position, with both providers offering comprehensive accident coverage and wellness add-on options.
Is Lemonade or Nationwide Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Lemonade | 1 | 14 |
| Coverage | Lemonade | 6 | 9 |
| Customer Experience | Lemonade | 3 | 4 |
| Overall Score | Lemonade | 1 | 14 |
Learn more about the best pet insurance options for your pet across different situations:
Lemonade and Nationwide Comparison by State
Lemonade dominates nationwide as the best pet insurance company in 47 states for cats and 42 states for dogs. This extensive state-level leadership demonstrates Lemonade's consistent performance across the country for both pet types.
Data filtered by:
Overall Score
Dog
| Alabama | Lemonade | 1 | 12 |
| Alaska | Lemonade | 1 | 12 |
| Arizona | Lemonade | 1 | 10 |
| Arkansas | Lemonade | 2 | 12 |
| California | Lemonade | 1 | 10 |
| Colorado | Lemonade | 1 | 10 |
| Connecticut | Lemonade | 1 | 10 |
| Delaware | Lemonade | 1 | 11 |
| Florida | Lemonade | 1 | 13 |
| Georgia | Lemonade | 1 | 12 |
| Hawaii | Lemonade | 1 | 11 |
| Idaho | Lemonade | 1 | 13 |
| Illinois | Lemonade | 1 | 11 |
| Indiana | Lemonade | 2 | 12 |
| Iowa | Lemonade | 1 | 13 |
| Kansas | Lemonade | 1 | 13 |
| Kentucky | Lemonade | 1 | 12 |
| Louisiana | Lemonade | 1 | 13 |
| Maine | Lemonade | 1 | 13 |
| Maryland | Lemonade | 1 | 13 |
| Massachusetts | Lemonade | 1 | 11 |
| Michigan | Lemonade | 1 | 12 |
| Minnesota | Lemonade | 1 | 12 |
| Mississippi | Lemonade | 1 | 12 |
| Missouri | Lemonade | 1 | 13 |
| Montana | Lemonade | 1 | 13 |
| Nebraska | Lemonade | 1 | 13 |
| Nevada | Lemonade | 1 | 13 |
| New Hampshire | Lemonade | 1 | 10 |
| New Jersey | Lemonade | 1 | 10 |
| New Mexico | Lemonade | 2 | 11 |
| New York | Lemonade | 1 | 11 |
| North Carolina | Lemonade | 1 | 12 |
| North Dakota | Lemonade | 2 | 12 |
| Ohio | Lemonade | 1 | 10 |
| Oklahoma | Lemonade | 2 | 12 |
| Oregon | Lemonade | 1 | 10 |
| Pennsylvania | Lemonade | 1 | 13 |
| Rhode Island | Lemonade | 1 | 13 |
| South Carolina | Lemonade | 2 | 11 |
| South Dakota | Lemonade | 2 | 12 |
| Tennessee | Lemonade | 1 | 13 |
| Texas | Lemonade | 1 | 13 |
| Utah | Lemonade | 1 | 11 |
| Vermont | Lemonade | 1 | 13 |
| Virginia | Lemonade | 1 | 11 |
| Washington | Lemonade | 2 | 12 |
| West Virginia | Lemonade | 1 | 13 |
| Wisconsin | Lemonade | 1 | 10 |
| Wyoming | Lemonade | 1 | 13 |
Lemonade vs. Nationwide Pet Insurance Cost
Lemonade offers cheaper pet insurance than Nationwide across all age groups for both cats and dogs. For middle-aged dogs, Lemonade costs $45 per month compared with Nationwide's $101. Middle-aged cats cost $22 with Lemonade versus $52 with Nationwide.
Learn how much pet insurance costs vary across different age categories.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 70% |
| Young Cats | Lemonade | $13 | 65% |
| Puppies | Lemonade | $19 | 69% |
| Middle Aged Cats | Lemonade | $22 | 57% |
| Young Dogs | Lemonade | $25 | 63% |
| Senior Cats | Lemonade | $32 | 44% |
| Middle Aged Dogs | Lemonade | $45 | 56% |
| Senior Dogs | Lemonade | $58 | 41% |
Lemonade vs. Nationwide Pet Insurance Cost by State
Lemonade offers the cheapest pet insurance across all 41 states we analyzed. Lemonade beats Nationwide's rates for every pet type and age group, including middle-aged dogs and cats.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 56% |
| Arizona | Lemonade | $54 | 56% |
| Arkansas | Lemonade | $30 | 56% |
| California | Lemonade | $56 | 56% |
| Colorado | Lemonade | $56 | 56% |
| Connecticut | Lemonade | $51 | 56% |
| Delaware | Lemonade | $45 | 56% |
| Florida | Lemonade | $50 | 56% |
| Georgia | Lemonade | $40 | 56% |
| Hawaii | Lemonade | $45 | 56% |
| Illinois | Lemonade | $55 | 56% |
| Indiana | Lemonade | $40 | 56% |
| Iowa | Lemonade | $37 | 56% |
| Louisiana | Lemonade | $36 | 56% |
| Maryland | Lemonade | $43 | 56% |
| Massachusetts | Lemonade | $57 | 56% |
| Michigan | Lemonade | $44 | 56% |
| Minnesota | Lemonade | $46 | 56% |
| Mississippi | Lemonade | $38 | 56% |
| Missouri | Lemonade | $35 | 56% |
| Montana | Lemonade | $37 | 56% |
| Nebraska | Lemonade | $40 | 56% |
| Nevada | Lemonade | $46 | 56% |
| New Hampshire | Lemonade | $51 | 56% |
| New Jersey | Lemonade | $50 | 56% |
| New Mexico | Lemonade | $39 | 56% |
| New York | Lemonade | $48 | 56% |
| North Carolina | Lemonade | $39 | 56% |
| North Dakota | Lemonade | $34 | 56% |
| Ohio | Lemonade | $41 | 56% |
| Oklahoma | Lemonade | $37 | 56% |
| Oregon | Lemonade | $55 | 56% |
| Pennsylvania | Lemonade | $46 | 56% |
| Rhode Island | Lemonade | $39 | 56% |
| South Carolina | Lemonade | $42 | 56% |
| Tennessee | Lemonade | $41 | 56% |
| Texas | Lemonade | $47 | 56% |
| Utah | Lemonade | $42 | 56% |
| Virginia | Lemonade | $47 | 56% |
| Washington | Lemonade | $51 | 56% |
| Wisconsin | Lemonade | $47 | 56% |
Lemonade vs. Nationwide Pet Insurance Discounts
Both Lemonade and Nationwide provide pet insurance discounts to make coverage more affordable for pet owners. Lemonade offers flexible multi-policy savings, while Nationwide’s discounts extend to employer and association programs. The table below highlights their key savings opportunities.
Multiple pets | Save 5% when you insure two or more pets. | Save 5% when you enroll an additional pet. |
Bundling | Receive 10% off when you bundle pet insurance with homeowners, renters, car or life insurance. | None. |
Annual payment | Save 5% when you pay the premium annually instead of monthly. | None. |
Existing customer | None. | Existing Nationwide insurance customers get 5% off when they buy pet insurance. |
Employer group plan | None. | Get savings when coverage is purchased through a participating employer's group plan. |
Lemonade vs. Nationwide Pet Insurance Customer Experience
Lemonade delivers better customer experience than Nationwide, ranking third nationally for both dog and cat coverage compared to Nationwide's seventh-place position. While Lemonade leads in our customer experience analysis, the third-party ratings show mixed results. Nationwide maintains a stronger BBB rating at A+ versus Lemonade's B-, though both companies earn similar Trustpilot scores around 4.2 to 4.4 out of 5.0.
Lemonade vs Nationwide Trustpilot Ratings
Nationwide earns a 4.3 out of 5.0 Trustpilot rating compared to Lemonade's 4.1 out of 5.0. Both providers receive generally positive feedback from verified customers, with Nationwide's reviews highlighting established claims processes while Lemonade customers praise the digital-first experience and user-friendly app interface.
Lemonade vs Nationwide Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Lemonade performs significantly better with 72% positive sentiment from 32 total comments (23 positive, 9 negative). Nationwide shows 43% positive sentiment from 14 comments (6 positive, 8 negative), suggesting Lemonade generates more favorable grassroots customer advocacy despite having a larger volume of discussions.
Lemonade vs. Nationwide Pet Insurance Coverage
Nationwide 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 Nationwide 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 | ✓ | Only covers prevention through an optional add-on |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | Only provides coverage through an optional add-on |
Congenital conditions | ✓ | Only provides coverage through an optional add-on |
Chronic conditions | ✓ | ✓ |
✓ | Only provides coverage through an optional add-on | |
$100, $250, $500, $750 | $250, $500, $1,000 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | $2,500, $5,000, $10,000 | |
60%, 70%, 80%, 90% | 50%, 70%, 90% | |
2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events | 2 days for accidents, 14 days for illnesses, 12 months for cruciate ligament conditions | |
Age restrictions | Only insures pets up to 14 years old, depending on breed | Cats with age 8 years and above are not eligible for hereditary coverage |
Pre-existing conditions | Non-chronic pre-existing conditions may be eligible after 12 symptom-free months | Curable pre-existing conditions may be eligible for coverage if cured and symptom-free for six months |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Lemonade vs. Nationwide Pet Insurance Add-ons
Both Lemonade and Nationwide allow pet owners to enhance coverage through wellness plans or preventive care add-ons. Lemonade’s add-ons focus on customizable preventive packages, while Nationwide’s wellness options are integrated into modular plan tiers.
Lemonade Pet Insurance Add-ons
Lemonade offers several wellness packages designed to reimburse preventive and routine care:
- Preventative Care package: Covers one exam, three vaccinations, blood tests, parasite testing and heartworm testing.
- Preventative+ Care package: Includes all Preventative Care benefits plus dental cleaning, flea/tick medication and heartworm treatment.
- Preventative Care Package for Puppies and Kittens: Covers two wellness exams, wellness testing, flea/tick or heartworm medication, spay/neuter and microchip for pets under two years old.
- Behavioral Conditions add-on: Covers diagnostics, therapy and training for issues like separation anxiety or aggression.
- Physical Therapy add-on: Covers rehabilitation, hydrotherapy, acupuncture and chiropractic care.
- Dental Illness add-on: Covers dental services like tooth extractions, root canals and gum disease treatments.
- End-of-life and Remembrance add-on: Reimburses vet-recommended euthanasia and cremation costs.
- Vet Visit Fees add-on: Provides coverage for vet exam fees related to covered accidents and illnesses.
Nationwide Pet Insurance Add-ons
Nationwide’s add-ons expand accident and illness coverage through optional wellness riders:
- Wellness coverage: Covers physical exams, deworming, vaccines, blood tests, heartworm or FeLV/FIV test, microchip and health certificates, with two annual benefit options ($450 or $800)
- Hereditary and Congenital Condition coverage: Provides coverage for hereditary and congenital conditions like hip dysplasia, patellar luxation and more.
Lemonade vs. Nationwide Pet Insurance: Bottom Line
Lemonade beats Nationwide across all key areas, delivering better affordability, coverage options, and customer service. Lemonade costs just $45 monthly for middle-aged dogs and $22 for cats, compared to Nationwide's $101 and $52 respectively. Lemonade's AI-powered claims processing and customizable plans provide more flexible coverage options. While Nationwide earns a 4.4 Trustpilot rating and A+ BBB score, Lemonade's strong 4.2 Trustpilot rating and superior value make it the better choice overall.
Compare other major pet insurance companies to determine the best choice for your pet:
Lemonade vs. Nationwide Pet Insurance Comparison: FAQ
Compare Lemonade and Nationwide pet insurance through these common questions:
Which is cheaper: Lemonade vs Nationwide pet insurance?
Lemonade is cheaper than Nationwide pet insurance across all age groups in 41 states. Middle-aged cats cost $22 per month with Lemonade versus Nationwide's $52. Middle-aged dogs show even greater savings at $45 monthly with Lemonade compared to Nationwide's $101, making Lemonade the more affordable choice.
Which has better customer service: Lemonade vs Nationwide pet insurance?
Lemonade delivers superior customer service, ranking third nationally for customer experience compared to Nationwide's seventh-place position. Lemonade maintains a 4.2 out of 5.0 Trustpilot score with a B- BBB rating, while Nationwide scores 4.4 on Trustpilot and holds an A+ BBB rating.
Which offers better coverage: Lemonade vs Nationwide pet insurance?
Lemonade offers better coverage than Nationwide, ranking 6th nationally while Nationwide ranks 9th for both cats and dogs. Lemonade provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care. Nationwide focuses primarily on wellness plans as extras. Both cover standard diagnostics, medications, and chronic conditions, but Lemonade's broader selection gives pet owners more customization options.
Can I switch from Lemonade vs Nationwide pet insurance or vice versa?
Yes, you can switch between Lemonade and Nationwide pet insurance at any time by purchasing a new policy and canceling your current one. However, new waiting periods will apply: 14 days for illnesses and accidents with both providers, plus six months for cruciate ligament conditions. Any conditions diagnosed under your previous policy become pre-existing with your new insurer.
Does Lemonade vs Nationwide cover pre-existing conditions?
Neither Lemonade nor Nationwide covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Lemonade covers curable pre-existing conditions after your pet remains symptom-free for 12 months. Nationwide also covers some curable conditions after a waiting period once symptoms disappear completely.
Can I get discounts with both Lemonade vs Nationwide pet insurance?
Both Lemonade and Nationwide offer pet insurance discounts. Lemonade provides three main discount options: 10% for multiple pets, 5% for annual payment plans, and occasional promotional savings for new customers. Nationwide offers four discount types: multi-pet savings up to 5%, military discounts, veterinary professional discounts, and group employer benefits that vary by company.
What are the age limits for Lemonade vs Nationwide pet insurance?
Nationwide accepts pets of any age without enrollment restrictions, making it accessible for senior animals. Lemonade limits enrollment to pets under 14 years old, which restricts coverage options for older pets. This age cap makes Nationwide the better choice for owners with senior pets.
How We Scored Lemonade vs. Nationwide Pet Insurance
Evaluating Lemonade vs Nationwide pet insurance required analyzing both providers under identical conditions and coverage parameters. We obtained quotes from each company using standardized pet profiles and policy 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 scored both providers across three key factors weighted by their importance to pet owners.
Affordability (50% of score): We obtained quotes across multiple pet ages and coverage options to assess typical monthly premiums, including applicable discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to evaluate satisfaction with claims processing and customer support services.
Coverage (20% of score): We examined policy features including waiting periods, available add-ons and overall protection scope to determine comprehensive coverage value.
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.