Lemonade vs. Nationwide Pet Insurance

Lemonade offers better pet insurance than Nationwide for dogs and cats, ranking first nationally in MoneyGeek's analysis compared to Nationwide's 14th place for dogs and 11th place for cats. Lemonade consistently outperforms Nationwide across our core categories, making it the ideal choice whether you need budget-friendly premiums, comprehensive financial protection or excellent service.

Learn more about the best pet insurance options for your pet across different situations:

Lemonade ranks as the best pet insurance company in all 50 states for dogs and cats, consistently winning against Nationwide across the country.

Lemonade costs less than Nationwide across all age groups for dogs and cats, with kittens seeing the biggest savings at 70% cheaper. Puppies offer the second-highest discount at 69% less, while senior dogs show the smallest savings at 41% cheaper than Nationwide. 

Learn how much pet insurance costs vary across different age categories.

Lemonade offers the cheapest pet insurance rates in every state compared to Nationwide, and the gap is wide. Kittens and puppies see around 70% in savings, middle-aged pets average 58% less, and even senior animals pay 41% to 45% less with Lemonade. Arkansas has the lowest rates across the board. Here's what that looks like by age group:

• Kittens: Lemonade charges $6 per month in Arkansas versus $22 with Nationwide, a 71% difference.
• Puppies: Arkansas puppy coverage runs $12 per month through Lemonade, compared to $41 with Nationwide (69% less).
• Young Cats: Lemonade's Arkansas rate is $9 per month versus $26 with Nationwide, putting 66% back in your pocket.
• Young Dogs: Lemonade covers young dogs in Arkansas for $17 per month. Nationwide charges $47, which is 64% more.
• Middle-Aged Cats: Arkansas cat owners pay $15 per month with Lemonade versus $36 with Nationwide, a 58% difference.
• Middle-Aged Dogs: Lemonade's Arkansas rate is $30 per month compared to Nationwide's $68, saving middle-aged dog owners 56%.
• Senior Cats: At $21 per month in Arkansas, Lemonade undercuts Nationwide's $39 rate by 45%.
• Senior Dogs: Arkansas senior dog owners pay $39 per month with Lemonade versus $67 with Nationwide, 42% less.

Lemonade and Nationwide each have three pet insurance discounts, including a 5% multi-pet discount. Lemonade is the stronger pick for bundling discounts. Nationwide fits better for employer group plan members and existing customers.

Lemonade ranks third nationally in MoneyGeek's customer experience analysis for both dogs and cats. Nationwide scores higher on Trustpilot and the Better Business Bureau. Lemonade scores better on Reddit, where users cite fast claims approval and an easy-to-use app as the main reasons.

Lemonade ranks sixth nationally for pet insurance coverage; Nationwide ranks ninth. Lemonade has more customization options for coverage levels and includes hereditary and congenital conditions in its base policy. Nationwide requires an add-on for the same coverage.

Coverage varies by state and policy terms. Review your policy documents for exact coverage terms, exclusions and limitations.

Both carriers have wellness plans as optional add-ons. Lemonade has four packages with fixed benefit items. Nationwide has two tiers with total annual reimbursement limits.

Beyond wellness plans, Lemonade has five optional add-ons. Nationwide has one.

• Vet Visit Fees add-on: Provides coverage for vet exam fees related to covered accidents and illnesses.
• 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.

• Hereditary and Congenital Condition coverage: Provides coverage for hereditary and congenital conditions like hip dysplasia, patellar luxation and more.

Lemonade offers better pet insurance than Nationwide overall, with cheaper rates, broader coverage and stronger customer service. Lemonade costs $45 monthly for middle-aged dogs and $22 monthly for cats. Nationwide charges $101 and $52 for the same. Lemonade also earns 72% positive sentiment on Reddit for its fast claim approvals and instant reimbursements, along with more comprehensive coverage for its standard policy.

Compare other major pet insurance companies to determine the best choice for your pet:

Compare Lemonade and Nationwide pet insurance through these common questions: