Lemonade vs. Pets Best Pet Insurance: Which Is Better? (2026)

Lemonade vs. Pets Best Pet Insurance: Key Takeaways

Lemonade charges less than Pets Best. Lemonade costs $22 monthly for middle-aged cats and $45 for middle-aged dogs. Pets Best charges $27 and $53.

Lemonade has better customer service than Pets Best with 72% positive Reddit sentiment. Customers praise its fast claim approvals and instant reimbursements through its mobile app.

Pets Best has broader coverage than Lemonade with unlimited coverage and direct vet payment.

Is Lemonade or Pets Best Pet Insurance Better?

Lemonade is better pet insurance than Pets Best for dogs and cats. Your best choice depends on what matters most:

Affordability: Lemonade beats Pets Best with lower premiums for dogs and cats. For dog owners, Lemonade ranks first nationally for affordable pet insurance.
Customer experience: Lemonade has better customer service than Pets Best. It ranks third nationally. Pet owners praise its fast claims processing and user-friendly mobile app.
Coverage: Pets Best has better coverage for both pets if you want to maximize policy benefits over cost. It ranks second nationally. Lemonade is four spots behind.

Data filtered by:


Cat	Lemonade	1	7
Dog	Lemonade	1	3

How We Decided the Winning Pet Insurance Provider

All scores are based on averages 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 different situations:

Best Multiple Pet Insurance

Best Pet Insurance for Accident-Only Coverage

Best Pet Insurance for Allergies

Best Pet Insurance for Cancer

Best Pet Insurance for Cats

Best Pet Insurance for Dental

Lemonade and Pets Best Comparison by State

Lemonade beats Pets Best in every state we analyzed for both dogs and cats. It ranks as the best pet insurance company nationwide.

Data filtered by:


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. Pets Best Pet Insurance Cost

Lemonade beats Pets Best on pet insurance cost for every age category in our study. Senior dog owners save the most, paying 56% less with Lemonade compared to Pets Best.

Data filtered by:


Kittens	Lemonade	$10	25%
Young Cats	Lemonade	$13	22%
Puppies	Lemonade	$19	30%
Middle Aged Cats	Lemonade	$22	17%
Young Dogs	Lemonade	$25	23%
Senior Cats	Lemonade	$32	52%
Middle Aged Dogs	Lemonade	$45	16%
Senior Dogs	Lemonade	$58	56%

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. Pets Best Pet Insurance Cost by State

Lemonade consistently offers the cheapest pet insurance for all age groups in 50 states compared to Pets Best. This price advantage holds true whether you're insuring a kitten in California or a senior dog in New York.

Data filtered by:


Alabama	Lemonade	$33	17%
Arizona	Lemonade	$54	17%
Arkansas	Lemonade	$30	17%
California	Lemonade	$56	17%
Colorado	Lemonade	$56	17%
Connecticut	Lemonade	$51	17%
Delaware	Lemonade	$45	17%
Florida	Lemonade	$50	17%
Georgia	Lemonade	$40	17%
Hawaii	Lemonade	$45	17%
Illinois	Lemonade	$55	17%
Indiana	Lemonade	$40	17%
Iowa	Lemonade	$37	17%
Louisiana	Lemonade	$36	17%
Maryland	Lemonade	$43	17%
Massachusetts	Lemonade	$57	17%
Michigan	Lemonade	$44	17%
Minnesota	Lemonade	$46	17%
Mississippi	Lemonade	$38	17%
Missouri	Lemonade	$35	17%
Montana	Lemonade	$37	17%
Nebraska	Lemonade	$40	17%
Nevada	Lemonade	$46	17%
New Hampshire	Lemonade	$51	17%
New Jersey	Lemonade	$50	17%
New Mexico	Lemonade	$39	17%
New York	Lemonade	$48	17%
North Carolina	Lemonade	$39	17%
North Dakota	Lemonade	$34	17%
Ohio	Lemonade	$41	17%
Oklahoma	Lemonade	$37	17%
Oregon	Lemonade	$55	17%
Pennsylvania	Lemonade	$46	17%
Rhode Island	Lemonade	$39	17%
South Carolina	Lemonade	$42	17%
Tennessee	Lemonade	$41	17%
Texas	Lemonade	$47	17%
Utah	Lemonade	$42	17%
Virginia	Lemonade	$47	17%
Washington	Lemonade	$51	17%
Wisconsin	Lemonade	$47	17%

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. Pets Best Pet Insurance Discounts

Pets Best offers more pet insurance discounts than Lemonade, with four ways to save compared to Lemonade's three. Both companies give you 5% off for insuring multiple pets, so they're equally affordable if you have several furry friends. Lemonade wins for bundling discounts with 10% off when you combine policies, while Pets Best caters to military members, employer groups and veterinary staff.


Multiple pets	Get 5% off when you insure two or more pets with Lemonade.	Receive 5% discount on each additional pet enrolled with Pets Best.
Bundling	Save 10% when you bundle pet insurance with other Lemonade policies.	None.
Paying annually	Receive 5% discount when you pay annually in full instead of monthly.	None.
Military	None.	Active duty service members, veterans and military spouses or kids get 5% off on pet insurance.
Employer group plan	None.	Save 5% for joining a participating employer's group plan.
Veterinary staff	None.	5% off for employees working at a veterinary clinic.

Lemonade vs. Pets Best Pet Insurance Customer Experience

Lemonade delivers better customer experience than Pets Best, finishing third in our national ranking while Pets Best is behind by two spots. Lemonade outperforms Pets Best across different platforms, from Trustpilot and the Better Business Bureau to Reddit.

Lemonade vs Pets Best Trustpilot ratings

Lemonade maintains a 3.9 out of 5.0 Trustpilot rating, while Pets Best holds 3.7 out of 5.0. Lemonade users praise fast claim reimbursements and an easy-to-use app, but some report claim denials and rate increases. Pets Best customers appreciate straightforward coverage plans and reliable service, though many complain about slow claim processing and ongoing website issues that make account access difficult.

Lemonade vs Pets Best BBB ratings

Lemonade holds a B- rating from BBB, whereas Pets Best has a "Not Rated" status. A B- rating indicates Lemonade has resolved most customer complaints, though the company has faced 601 total complaints with two remaining unresolved. Pets Best currently has no rating because it's still responding to previously closed complaints, which prevents the BBB from assigning a score.

Lemonade vs Pets Best Pet Insurance Reddit Sentiment

Lemonade garners 72% positive sentiment on Reddit from 32 total comments (23 positive, nine negative), while Pets Best has 70% positive feedback from 10 comments (seven positive, three negative). Lemonade users rave about instant claim approvals through the mobile app and lightning-fast reimbursements, often receiving money within minutes of filing. Pets Best customers appreciate responsive customer service and comprehensive coverage options, but several complain about slow claim processing times that can stretch for weeks.

Lemonade vs. Pets Best Pet Insurance Coverage

Pets Best offers better pet insurance coverage for dogs and cats than Lemonade, ranking second compared to Lemonade's sixth position. Pets Best offers unlimited coverage and the option to pay licensed veterinarians directly for covered claims, which Lemonade lacks. Pets Best also has no upper age limits, while Lemonade only insures pets up to 14 years old based on breed.


Diagnostics	✓	✓
Procedures	✓	✓
Medications	✓	✓
Fractures and broken bones	✓	✓
Lacerations and bite wounds	✓	✓
Parasite treatment	✓	Only covers prevention through an optional add-on
Cancer treatment	✓	✓
Digestive illnesses	✓	✓
Hereditary conditions	✓	✓
Congenital conditions	✓	✓
Chronic conditions	✓	✓
Hip dysplasia	✓	✓
Deductibles	$100, $250, $500, $750	$100, $200, $250, $500, $1,000
Annual limits	$5,000, $10,000, $20,000, $50,000, $100,000	$5,000, $10,000, Unlimited
Reimbursement rates	60%, 70%, 80%, 90%	70%, 80%, 90%
Waiting periods	2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events	3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related 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 be covered if cured and symptom-free for 12 months	Curable pre-existing conditions may be eligible for coverage if cured and no further treatment is needed
Direct vet payment	Doesn't offer direct vet payment	Pays vets directly if you submit a completed claim along with a veterinarian reimbursement release form that both you and your vet have signed

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

Lemonade vs. Pets Best Pet Insurance Add-ons

Both Lemonade and Pets Best allow pet owners to expand their base coverage with optional add-ons. Lemonade offers nine add-ons, while Pets Best has four.

Lemonade Pet Insurance Add-ons

Routine Vet Care package: Reimburses one wellness exam, three vaccinations, blood tests, parasite testing and heartworm testing.
Routine Vet Care Plus: Covers unlimited wellness exams and vaccines, plus Life Essentials coverage for spaying/neutering, heartworm/flea/tick prevention medication, deworming, nail trimming, joint and organ screening, genetic testing and preventative x-rays and ultrasounds.
Preventative+ Care package: Covers all Routine Vet Care benefits plus routine dental cleaning and heartworm treatment or flea/tick medication.
Puppy/Kitten Preventative Care package: For pets under 2 years old. Covers two wellness exams, up to six vaccines, heartworm or flea/tick medication, spay/neuter procedure and microchip.
Vet visit fee add-on: Reimburses exam fees for covered accidents or illnesses.
Physical therapy add-on: Covers rehabilitation, acupuncture, chiropractic care and hydrotherapy.
Dental illness add-on: Covers dental services like tooth extractions, root canals and gum disease treatment.
Behavioral add-on: Covers behavioral training and therapy for issues like anxiety or aggression.
End-of-life add-on: Covers vet-recommended euthanasia, cremation and memorial expenses.

Pets Best Pet Insurance Add-ons

EssentialWellness plan: Covers annual exams, vaccines, bloodwork, heartworm tests, deworming, urinalysis and fecal exams with a fixed annual benefit.
BestWellness plan: Covers all EssentialWellness benefits plus dental cleaning and spay/neuter.
Exam Fees add-on: Reimburses exam fees for diagnosing an eligible accident or illness.
Physical Therapy add-on: Covers rehabilitation, acupuncture and chiropractic care for an eligible accident or illness.

Lemonade vs. Pets Best Pet Insurance: Bottom Line

Lemonade beats Pets Best for pet insurance overall with better affordability and customer service. Lemonade charges $45 monthly for middle-aged dogs and $22 monthly for cats. It has 72% positive Reddit sentiment for fast claim approvals and instant reimbursements. Pets Best has more comprehensive coverage for pet owners who want extensive plan benefits over cost savings.

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

Spot vs. ASPCA Pet Insurance

Spot vs. Embrace Pet Insurance

Spot vs. Fetch Pet Insurance

Spot vs. Figo Pet Insurance

Spot vs. Healthy Paws Pet Insurance

Spot vs. Lemonade Pet Insurance

Lemonade vs. Pets Best Pet Insurance Comparison: FAQ

Compare Lemonade and Pets Best pet insurance through these common questions:

What are the main differences between Lemonade vs. Pets Best Pet Insurance?

Lemonade has cheaper premiums and better customer experience. Pets Best has better coverage options with more comprehensive accident and illness protection. Lemonade processes claims fast through its mobile app. Pets Best has policy flexibility and direct vet payment.

Is Lemonade or Pets Best better for affordable pet insurance?

Lemonade is cheaper than Pets Best across all pet age groups nationwide. Middle-aged cats cost $22 monthly with Lemonade versus $27 monthly with Pets Best. Middle-aged dogs show even bigger savings at $45 per month with Lemonade compared to Pets Best's $53 per month.

Which is better for older pets: Lemonade or Pets Best?

Lemonade provides better value for senior pets, with senior dog owners saving 56% compared to Pets Best. Lemonade charges $58 monthly for senior dogs versus Pets Best's $133, and $32 monthly for senior cats compared to Pets Best's $67. That said, Lemonade only insures pets up to 14 years old based on breed, while Pets Best has no upper age limits.

How do coverage options compare between Lemonade and Pets Best?

Pets Best wins against Lemonade for coverage options, with Pets Best offering unlimited coverage and the option to pay vets directly for covered claims.

Which pet insurance company has faster claims: Lemonade or Pets Best?

Lemonade processes claims faster than Pets Best, with many users reporting instant approvals and reimbursements within minutes through the mobile app. Pets Best customers commonly experience claim processing times that stretch for several weeks.

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.

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