Lemonade leads in overall pet insurance rankings for both dogs and cats, while Pumpkin places third for cats and seventh for dogs. Both providers have strong customer service scores, though Lemonade pulls ahead on coverage with more flexible policy customization and a shorter waiting period for accidents.
Lemonade vs. Pumpkin Pet Insurance
Updated: March 16, 2026
Advertising & Editorial Disclosure
Lemonade vs. Pumpkin Pet Insurance: Key Takeaways
Lemonade has more affordable pet insurance rates than Pumpkin. Middle-aged cat owners pay $22 monthly with Lemonade versus $30 with Pumpkin, while dog owners pay $45 versus $48.
Both providers rank third nationally in customer experience for cats and dogs, though Pumpkin edges ahead with a 4.9 out of 5 Trustpilot rating compared to Lemonade's 4 rating.
Lemonade provides more comprehensive coverage than Pumpkin, with a shorter waiting period for accidents and more options for policy customization.
Is Lemonade or Pumpkin Pet Insurance Better?
| Cat | Affordability | Pumpkin | 1 | 3 |
| Dog | Affordability | Lemonade | 1 | 3 |
| Cat | Coverage | Lemonade | 6 | 11 |
| Dog | Coverage | Lemonade | 6 | 11 |
| Cat | Customer Experience | Lemonade | 3 | 3 |
| Dog | Customer Experience | Lemonade | 3 | 3 |
| Cat | Overall Score | Lemonade | 1 | 3 |
| Dog | Overall Score | Lemonade | 1 | 7 |
How We Decided the Winning Pet Insurance Provider
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.
Explore top pet insurance picks based on your pet’s age, health needs and budget:
Lemonade and Pumpkin Comparison by State
Lemonade consistently ranks as the best pet insurance company in all states compared to Pumpkin.
Data filtered by:
Select
| 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. Pumpkin Pet Insurance Cost
Pumpkin ranks first nationally for cat affordability, while Lemonade ranks first for dogs. In our sample rate comparison, Lemonade shows lower average monthly premiums across most age groups, with the largest gap appearing among senior dogs, where coverage runs close to 50% less than Pumpkin.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Lemonade | $10 | 41% |
| Young Cats | Lemonade | $13 | 36% |
| Puppies | Lemonade | $19 | 23% |
| Middle Aged Cats | Lemonade | $22 | 24% |
| Young Dogs | Lemonade | $25 | 19% |
| Senior Cats | Lemonade | $32 | 49% |
| Middle Aged Dogs | Lemonade | $45 | 6% |
| Senior Dogs | Lemonade | $58 | 49% |
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. Pumpkin Pet Insurance Cost by State
Lemonade has the cheapest pet insurance across all states compared to Pumpkin. Pet owners after the lowest rates will find the biggest savings on senior pets, where Lemonade runs about 50% less than Pumpkin in most states. Kitten and young cat coverage follows close behind, with Lemonade running roughly 37% to 41% less than Pumpkin depending on your state.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 7% |
| Arizona | Lemonade | $54 | 7% |
| Arkansas | Lemonade | $30 | 7% |
| California | Lemonade | $56 | 7% |
| Colorado | Lemonade | $56 | 7% |
| Connecticut | Lemonade | $51 | 7% |
| Delaware | Lemonade | $45 | 7% |
| Florida | Lemonade | $50 | 7% |
| Georgia | Lemonade | $40 | 7% |
| Hawaii | Lemonade | $45 | 7% |
| Illinois | Lemonade | $55 | 7% |
| Indiana | Lemonade | $40 | 7% |
| Iowa | Lemonade | $37 | 7% |
| Louisiana | Lemonade | $36 | 7% |
| Maryland | Lemonade | $43 | 7% |
| Massachusetts | Lemonade | $57 | 7% |
| Michigan | Lemonade | $44 | 7% |
| Minnesota | Lemonade | $46 | 7% |
| Mississippi | Lemonade | $38 | 7% |
| Missouri | Lemonade | $35 | 7% |
| Montana | Lemonade | $37 | 7% |
| Nebraska | Lemonade | $40 | 7% |
| Nevada | Lemonade | $46 | 7% |
| New Hampshire | Lemonade | $51 | 7% |
| New Jersey | Lemonade | $50 | 7% |
| New Mexico | Lemonade | $39 | 7% |
| New York | Lemonade | $48 | 7% |
| North Carolina | Lemonade | $39 | 7% |
| North Dakota | Lemonade | $34 | 7% |
| Ohio | Lemonade | $41 | 7% |
| Oklahoma | Lemonade | $37 | 7% |
| Oregon | Lemonade | $55 | 7% |
| Pennsylvania | Lemonade | $46 | 7% |
| Rhode Island | Lemonade | $39 | 7% |
| South Carolina | Lemonade | $42 | 7% |
| Tennessee | Lemonade | $41 | 7% |
| Texas | Lemonade | $47 | 7% |
| Utah | Lemonade | $42 | 7% |
| Virginia | Lemonade | $47 | 7% |
| Washington | Lemonade | $51 | 7% |
| Wisconsin | Lemonade | $47 | 7% |
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. Pumpkin Pet Insurance Discounts
Lemonade offers three pet insurance discounts, while Pumpkin has two. Multi-pet households can save more with Pumpkin as it provides 10% savings compared to Lemonade's 5%.
Multiple pets | Get 5% off when you insure two or more pets with Lemonade. | Save 10% on each additional pet when you enroll multiple pets with Pumpkin. |
Bundling | Save up to 10% when you bundle pet insurance with other Lemonade policies, such as homeowners, renters or car insurance. | None. |
Paying annually | Receive 5% discount when you pay annually in full instead of monthly. | None. |
Veterinary staff | None. | Pumpkin provides rate reductions for those working as a staff at veterinary clinics. |
Lemonade vs. Pumpkin Pet Insurance Customer Experience
Lemonade and Pumpkin tie at third place in our customer experience ranking. Both companies perform well on Trustpilot and Reddit, though Pumpkin earns higher scores than Lemonade on these platforms.
Lemonade vs Pumpkin Trustpilot ratings
Pumpkin earns a higher Trustpilot rating at 4.9 out of 5 compared to Lemonade's 4 out of 5. Pet owners often praise Pumpkin's human customer service reps, fast reimbursements and compassionate support during stressful vet situations. Lemonade pet owners also rate claims as fast and the app as easy to use, but one-star reviews point to occasional claim denials, rate increases at renewal and limited phone support due to its app-first model.
Lemonade vs Pumpkin BBB ratings
Pumpkin holds an A+ rating from the Better Business Bureau compared to Lemonade's B- rating, a gap that reflects a meaningful difference in how the two pet insurers handle customer complaints. Pumpkin is also a BBB Accredited Business, meaning it has committed to BBB's standards for ethical business practices, while Lemonade is not.
Lemonade vs Pumpkin Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Pumpkin achieved 79% positive feedback from 14 total comments (11 positive, three negative), while Lemonade scored 72% positive sentiment from 32 comments (23 positive, nine negative). Reddit users frequently praise Pumpkin's clear policy terms, human customer service reps and quick reimbursements for big vet bills.
Lemonade's Reddit threads tell a more mixed story: positive posts highlight the easy-to-use app and fast claim turnarounds for straightforward claims, but negative posts consistently call out AI-driven claim denials, pre-existing condition disputes and limited phone support.
Lemonade vs. Pumpkin Pet Insurance Coverage
Lemonade wins against Pumpkin for pet insurance coverage, providing a shorter waiting period for accidents and more options for customizing your policy, from deductibles to reimbursement rates. Lemonade also offers more add-ons to expand your base coverage.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750 | $100, $250, $500, $1,000 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | $5,000, $10,000, $20,000, Unlimited | |
60%, 70%, 80%, 90% | 80% or 90% | |
2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions | 14 days for accidents and illnesses | |
Age restrictions | Only insures pets up to 10 to 14 years old based on breed | No upper age limits |
Pre-existing conditions | Non-chronic conditions covered after 12 symptom-free months | Curable conditions covered after 180 symptom-free days |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Lemonade vs. Pumpkin Pet Insurance Add-ons
Both Lemonade and Pumpkin allow pet owners to enhance coverage with optional add-ons, though Lemonade's offerings expand beyond routine care, while Pumpkin focuses on preventive services.
Lemonade Pet Insurance Add-ons
- Routine Vet Care: Covers one annual wellness exam, three vaccines, heartworm or FeLV/FIV testing, fecal or internal parasite testing and bloodwork.
- Routine Vet Care Plus: Bumps you up to unlimited wellness exams and vaccines, plus Life Essentials coverage for spay/neuter procedures, microchipping, gastropexy, heartworm/flea/tick prevention medication, deworming, nail trimming, joint and organ screening, and more.
- Preventative+ care package: Includes all Routine Vet Care benefits plus routine dental cleaning, heartworm treatment and flea/tick medication.
- Puppy/kitten package: Designed for pets under two years old, covering two wellness exams, six vaccines, two fecal tests, spay/neuter and microchipping.
- Vet visit fee add-on: Covers veterinarian examination fees for accidents and illnesses when charged separately from treatment costs.
- Physical therapy add-on: Covers acupuncture, chiropractic care, hydrotherapy and physical therapy following covered accidents or illnesses.
- Dental illness add-on: Covers dental procedures like tooth extractions, root canals and treatment for periodontal disease.
- Behavioral conditions add-on: Covers diagnostics, therapy sessions and training for behavioral issues like separation anxiety or aggression when administered by licensed professionals.
- End-of-life coverage add-on: Provides coverage for vet-recommended euthanasia and cremation services.
Pumpkin Pet Insurance Add-ons
- Wellness Club: Covers wellness exams, vaccinations, fecal tests and spay/neuter procedures depending on the tier you choose (Essential or Premium). Members get 24/7 access to licensed veterinary professionals through PawSupport and discounts up to 60% to 70% on certain pet brands.
Lemonade vs. Pumpkin Pet Insurance: Bottom Line
Lemonade beats Pumpkin overall with broader coverage and competitive premiums. Rates start at $45 per month for middle-aged dogs and $22 monthly for cats. Pumpkin pulls ahead on customer experience, though, earning a 4.9 out of 5 Trustpilot rating compared to Lemonade's 4.
Compare other major pet insurance companies to determine the best choice for your pet:
Lemonade vs. Pumpkin Pet Insurance Comparison: FAQ
Compare Lemonade and Pumpkin pet insurance through these common questions:
Which is cheaper: Lemonade vs Pumpkin pet insurance?
Lemonade is cheaper than Pumpkin pet insurance across all age groups in 41 states. Middle-aged cats cost $22 per month with Lemonade versus Pumpkin's $30 monthly rate. Middle-aged dogs show similar savings at $45 per month with Lemonade compared to Pumpkin's $48 monthly premium.
Which has better customer service: Lemonade vs Pumpkin pet insurance?
Lemonade ties with Pumpkin at third place for customer experience. Despite this ranking advantage, Pumpkin outperforms on review platforms with a 4.9 out of 5 Trustpilot score and an A+ BBB rating, while Lemonade holds a 4 Trustpilot score and a B- BBB rating.
Which offers better coverage: Lemonade vs Pumpkin pet insurance?
Lemonade offers broader pet insurance coverage than Pumpkin, with a wider range of deductibles, annual limits and reimbursement rates. Both cover standard treatments like diagnostics, medications and chronic conditions, but Lemonade's optional add-ons give you more room to customize your policy.
Can I get discounts with both Lemonade vs Pumpkin pet insurance?
Yes, both Lemonade and Pumpkin offer discounts to help reduce your pet insurance costs. Lemonade provides multiple discount opportunities, including savings for insuring multiple pets and bundling with their other insurance products. Pumpkin offers fewer options but includes multi-pet savings and veterinary staff discounts to lower premium.
Does Lemonade vs Pumpkin cover pre-existing conditions?
Lemonade covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment or flare-ups. Pumpkin follows similar guidelines, covering curable conditions after one year symptom-free.
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.
sources
- Trustpilot. "Pumpkin Pet Insurance." Accessed March 28, 2026.
- Trustpilot. "Lemonade." Accessed March 28, 2026.
- Better Business Bureau. "Pumpkin Insurance Services Inc." Accessed March 28, 2026.
- Better Business Bureau. "Lemonade Insurance Company." Accessed March 28, 2026.