Lemonade vs. Pumpkin Pet Insurance

Lemonade delivers superior pet insurance coverage for both dogs and cats, ranking sixth nationally compared to Pumpkin's 11th place ranking. Both providers offer comparable deductible options and reimbursement rates, but Lemonade stands out with shorter accident waiting periods and greater flexibility for coverage adjustments within the first 30 days of purchase.

Lemonade dominates state rankings as the best pet insurance company in 47 states for cats and 42 states for dogs. This widespread leadership demonstrates Lemonade's consistent value and coverage quality across nearly the entire country for both pet types.

Lemonade offers more affordable pet insurance than Pumpkin across all age groups for both cats and dogs. For middle-aged dogs, Lemonade costs $45 per month compared with Pumpkin's $48. Middle-aged cats cost $22 with Lemonade versus $30 with Pumpkin.

Learn how much pet insurance costs across different age categories.

Lemonade offers the cheapest pet insurance across all 41 states we analyzed. Lemonade beats Pumpkin's rates for every pet category, including middle-aged dogs and cats, making it the clear winner for affordable coverage.

Both Lemonade and Pumpkin provide ways for pet owners to save on premiums through multi-pet and payment-related discounts. Lemonade offers more flexibility overall, while Pumpkin focuses on straightforward multi-pet savings. The table below compares each provider’s available pet insurance discounts.

Lemonade delivers better customer experience than Pumpkin, ranking third nationally for both dog and cat insurance. Despite Pumpkin's stronger individual ratings with an A+ BBB rating and 4.8 Trustpilot score, Lemonade's comprehensive customer service approach outperforms Pumpkin's mixed results. Lemonade maintains a 4.2 Trustpilot score with a B- BBB rating but consistently ranks higher in overall customer experience.

Pumpkin 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 Pumpkin 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 Pumpkin allow pet owners to enhance coverage with wellness plans and preventive options. Lemonade offers more add-on flexibility, while Pumpkin’s Preventive Essentials plan provides straightforward reimbursement for routine care.

• Preventative care package: Covers wellness exams, vaccines, blood tests, parasite screening and heartworm testing.
• Preventative+ care package: Includes all Preventative 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.

• Preventive Essentials plan: Covers annual wellness exams, core vaccines and parasite screening for dogs and cats.
• Included base coverage: Pumpkin’s accident and illness plan already includes behavioral therapy, dental illness, and alternative treatments such as physical therapy and hydrotherapy, eliminating the need for many add-ons.

Lemonade beats Pumpkin overall, delivering better coverage options and competitive customer service. Lemonade offers more comprehensive policy features and wellness add-ons that provide greater value for pet owners. The pricing stays affordable with rates starting at $45 per month for middle-aged dogs and $22 for cats. However, Pumpkin excels in customer satisfaction, earning a 4.8 out of 5.0 Trustpilot rating and an A+ BBB rating compared to Lemonade's 4.2 Trustpilot score.

Compare Lemonade and Pumpkin pet insurance through these common questions:

Evaluating Lemonade and Pumpkin required comparing both providers under identical conditions. We obtained quotes using the same pet profiles and coverage specifications for fair analysis:

• $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 scored both companies using three weighted factors that matter most to pet owners.

Affordability (50% of score): We collected quotes across different pet ages and coverage options to measure real-world pricing, including available discounts that reduce monthly premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to assess satisfaction with claims processing and customer support quality.

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