Lemonade vs. Pets Best Pet Insurance

Pets Best offers better pet insurance coverage than Lemonade for both dogs and cats, ranking second nationally while Lemonade ranks sixth. Both providers offer comparable deductible options, annual limits and reimbursement rates, but Pets Best provides shorter accident waiting periods and more flexibility for coverage adjustments within the first 30 days of purchase.

Lemonade dominates as the best pet insurance company nationwide, leading in 47 states for cat coverage and 42 states for dog insurance. This widespread state-level performance demonstrates Lemonade's consistent value and coverage quality across the country.

Lemonade offers more affordable pet insurance than Pets Best across all age groups for both cats and dogs. Middle-aged dogs cost $45 per month with Lemonade compared with Pets Best's $53 per month. For middle-aged cats, Lemonade charges $22 versus Pets Best's $27.

Learn how much pet insurance costs across different age categories.

Lemonade offers the cheapest pet insurance in 41 states, consistently beating Pets Best across every age group and pet type. Lemonade leads in affordability for middle-aged dogs and cats, along with puppies, kittens and senior pets nationwide.

Pet insurance discounts can make a meaningful difference for households with multiple pets or for owners looking to lower monthly premiums. Both Lemonade and Pets Best offer several ways to save, though Lemonade’s options tend to focus on bundling while Pets Best provides more consistent multi-pet discounts.

Lemonade delivers better customer experience than Pets Best, ranking third nationally for both cats and dogs. Lemonade maintains consistent ratings with a B- BBB rating and 4.2 Trustpilot score, while Pets Best struggles with an F BBB rating despite a solid 4.0 Trustpilot score. This gives Lemonade a clear advantage in overall customer satisfaction.

Pets Best 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 Pets Best 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 Pets Best allow pet owners to customize their plans with wellness plans and routine care options. Lemonade’s add-ons focus on flexibility and specialized coverage, while Pets Best offers two structured wellness tiers.

• Preventative Care package: Covers annual exams, vaccines, blood tests, parasite screening, and heartworm testing.
• Preventative+ package: Adds dental cleaning, flea/tick medication, and heartworm treatment.
• Puppy/Kitten package: Designed for pets under two years old, covering two wellness exams, multiple vaccines, spay/neuter, fecal tests, and microchipping.
• 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 tooth extractions, root canals, and treatment for gum disease.
• Behavioral add-on: Includes coverage for behavioral training and therapy for issues like anxiety or aggression.
• End-of-life add-on: Helps cover euthanasia, cremation, and memorial expenses.

• EssentialWellness plan: Covers annual exams, vaccines, blood tests, deworming, and microchipping with a fixed annual benefit.
• BestWellness plan: Includes all EssentialWellness benefits plus dental cleaning, spay/neuter, and routine health screenings.

Lemonade beats Pets Best overall, delivering better affordability and customer service. Lemonade charges $45 per month for middle-aged dogs and $22 for cats, making it the more budget-friendly choice. The provider also offers superior customer experience with a 4.2 out of 5.0 Trustpilot rating and B- BBB rating. However, Pets Best provides more comprehensive coverage options for pet owners who prioritize extensive plan benefits over cost savings.

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

Evaluating Lemonade vs Pets Best required gathering quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same pet profiles and policy specifications listed below.

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

MoneyGeek then scored both companies using three key factors weighted by their importance to pet owners.

Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess real-world pricing, including available discounts that affect actual premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and online reviews to measure customer satisfaction with claims processing and support services.

Coverage (20% of score): We examined policy benefits, waiting periods and optional add-ons to determine which provider offers more comprehensive pet health protection.