Lemonade vs. Nationwide Pet Insurance

Lemonade offers better pet insurance coverage 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 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.

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 pet insurance costs vary across different age categories.

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.

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.

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.

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.

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

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 offers several wellness packages designed to reimburse preventive and routine care:

• Preventative Care package: Covers one exam, three vaccinations, blood tests, parasite screening and heartworm testing.
• Preventative+ Care package: Includes all Preventative Care benefits plus dental cleaning, flea/tick medication and heartworm treatment.
• Puppy/Kitten Preventative package: For pets under two years old; includes spay/neuter, microchipping, vaccines and fecal tests.
• Behavioral add-on: Covers diagnostics, therapy and training for issues like anxiety or aggression.
• Physical therapy add-on: Covers rehabilitation, hydrotherapy, acupuncture and chiropractic care.
• Dental illness add-on: Covers tooth extractions, root canals and gum disease treatments.
• End-of-life care add-on: Includes vet-recommended euthanasia and cremation) costs.

Nationwide’s add-ons expand accident and illness coverage through optional wellness riders:

• Wellness plan: Covers routine exams, vaccines, blood tests, dental cleaning, and parasite prevention.
• Modular plan wellness option: Adds preventive benefits such as spay/neuter, microchipping and flea/tick medication) to a core accident and illness policy.

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 Lemonade and Nationwide pet insurance through these common questions:

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.