Lemonade pet insurance ranks first nationally for cats and dogs in MoneyGeek's scoring; Spot ranks second for cats and sixth for dogs. The right pick depends on what matters most: choose Lemonade for lower rates and broader coverage, or Spot for customer service.
Spot vs. Lemonade Pet Insurance
Updated: March 16, 2026
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Spot vs. Lemonade Pet Insurance: Key Takeaways
Lemonade costs less than Spot. Insuring puppies costs $19 per month versus Spot's $25, and senior cats cost $32 per month versus Spot's $72.
Spot earns a 4.7 out of 5 on Trustpilot and an A+ BBB rating, outscoring Lemonade's 4 on customer service, claims processing speed and app usability.
Lemonade offers broader coverage than Spot, with shorter accident waiting periods and add-ons that go beyond standard wellness plans.
Is Spot or Lemonade Pet Insurance Better?
| Cat | Affordability | Lemonade | 3 | 4 |
| Dog | Affordability | Lemonade | 1 | 9 |
| Cat | Coverage | Lemonade | 6 | 8 |
| Dog | Coverage | Lemonade | 6 | 8 |
| Cat | Customer Experience | Spot | 2 | 3 |
| Dog | Customer Experience | Spot | 2 | 3 |
| Cat | Overall Score | Lemonade | 1 | 2 |
| Dog | Overall Score | Lemonade | 1 | 6 |
How We Decided the Winning Pet Insurance Provider
Scores reflect average pricing and experience data for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Find the best pet insurance for your pet's specific needs:
Spot and Lemonade Comparison by State
Lemonade is the best pet insurance company in 47 states for cats and all 50 states for dogs. Spot ranks ahead in California, Florida and Massachusetts for cat insurance.
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 | Spot |
| California | Dog | Lemonade |
| Colorado | Cat | Lemonade |
| Colorado | Dog | Lemonade |
| Connecticut | Cat | Lemonade |
| Connecticut | Dog | Lemonade |
| Delaware | Cat | Lemonade |
| Delaware | Dog | Lemonade |
| Florida | Cat | Spot |
| 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 | Spot |
| 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
Scores reflect average pricing and experience data for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, using a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Spot vs. Lemonade Pet Insurance Cost
Lemonade costs less than Spot across all age groups for cats and dogs. Puppies run $19 per month versus Spot's $25, and senior cats cost $32 per month versus Spot's $72.
See how much pet insurance costs across different age categories:
Data filtered by:
Select
| Kittens | Lemonade | $10 | 29% |
| Young Cats | Lemonade | $13 | 31% |
| Puppies | Lemonade | $19 | 25% |
| Middle Aged Cats | Lemonade | $22 | 25% |
| Young Dogs | Lemonade | $25 | 21% |
| Senior Cats | Lemonade | $32 | 55% |
| Middle Aged Dogs | Lemonade | $45 | 8% |
| Senior Dogs | Lemonade | $58 | 51% |
How We Decided the Winning Pet Insurance Provider
Rates reflect average pricing for Labrador Retrievers and Ragdolls from under 1 year old to 20 years old across 50 states.
Spot vs. Lemonade Pet Insurance Cost by State
Lemonade is the cheapest pet insurance option for cats and dogs across every age group in every state.
Data filtered by:
Middle Aged Dogs
| Alabama | Lemonade | $33 | 9% |
| Arizona | Lemonade | $54 | 9% |
| Arkansas | Lemonade | $30 | 10% |
| California | Lemonade | $56 | 9% |
| Colorado | Lemonade | $56 | 9% |
| Connecticut | Lemonade | $51 | 9% |
| Delaware | Lemonade | $45 | 9% |
| Florida | Lemonade | $50 | 9% |
| Georgia | Lemonade | $40 | 9% |
| Hawaii | Lemonade | $45 | 9% |
| Illinois | Lemonade | $55 | 9% |
| Indiana | Lemonade | $40 | 9% |
| Iowa | Lemonade | $37 | 9% |
| Louisiana | Lemonade | $36 | 9% |
| Maryland | Lemonade | $43 | 9% |
| Massachusetts | Lemonade | $57 | 9% |
| Michigan | Lemonade | $44 | 9% |
| Minnesota | Lemonade | $46 | 9% |
| Mississippi | Lemonade | $38 | 9% |
| Missouri | Lemonade | $35 | 9% |
| Montana | Lemonade | $37 | 9% |
| Nebraska | Lemonade | $40 | 10% |
| Nevada | Lemonade | $46 | 9% |
| New Hampshire | Lemonade | $51 | 9% |
| New Jersey | Lemonade | $50 | 9% |
| New Mexico | Lemonade | $39 | 9% |
| New York | Lemonade | $48 | 9% |
| North Carolina | Lemonade | $39 | 9% |
| North Dakota | Lemonade | $34 | 9% |
| Ohio | Lemonade | $41 | 9% |
| Oklahoma | Lemonade | $37 | 9% |
| Oregon | Lemonade | $55 | 9% |
| Pennsylvania | Lemonade | $46 | 9% |
| Rhode Island | Lemonade | $39 | 9% |
| South Carolina | Lemonade | $42 | 9% |
| Tennessee | Lemonade | $41 | 9% |
| Texas | Lemonade | $47 | 9% |
| Utah | Lemonade | $42 | 9% |
| Virginia | Lemonade | $47 | 9% |
| Washington | Lemonade | $51 | 9% |
| Wisconsin | Lemonade | $47 | 9% |
How We Decided the Winning Pet Insurance Provider by State
Rates reflect average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Spot vs. Lemonade Pet Insurance Discounts
Spot and Lemonade each offer three pet insurance discounts, but Spot has the better deal for multi-pet households at 10% per additional pet versus Lemonade's 5%. Spot also gives 10% off for AAA and Blue Cross Blue Shield members and employer group enrollees. Lemonade's advantage is bundling; you get 10% off when you combine it with another Lemonade policy.
Multi-Pet | Save 5% on pet insurance when you insure two or more pets. | Save 10% on each additional pet's premium when you enroll multiple pets. |
Bundling | Get 10% off when you bundle pet insurance with other Lemonade policies like homeowners, renters, car or life insurance. | None. |
Annual Pay-In Full | Receive 5% discount for paying annually in full instead of monthly. | None. |
Association/Club Member | None. | American Automobile Association (AAA) and Blue Cross Blue Shield members receive 10% discount on pet insurance. |
Employer Group | None. | Employees of participating companies get 10% off when they enroll through their employer-specific enrollment page. |
Spot vs. Lemonade Pet Insurance Customer Experience
Spot beats Lemonade on customer experience, ranking second nationally for dogs and cats. It earns higher marks on Trustpilot and the BBB, while Lemonade draws stronger positive sentiment on Reddit.
Spot vs. Lemonade Trustpilot ratings
Spot earns a 4.7 out of 5 on Trustpilot versus Lemonade's 4 stars. Spot customers cite fast claims processing, often within one to two weeks, and easy app submissions, though some report premium hikes at renewal. Lemonade users appreciate instant reimbursements and a streamlined app, but many flag that AI-driven claim reviews miss details and that phone support is unavailable.
Spot vs. Lemonade BBB ratings
Spot holds an A+ BBB rating and has been accredited since May 2020. Lemonade holds a B- rating and isn't BBB accredited, with 601 complaints on file including two unresolved cases.
Spot vs. Lemonade Pet Insurance Reddit Sentiment
Spot earned 45% positive sentiment on Reddit (13 positive, 16 negative out of 29 comments), while Lemonade reached 72% (23 positive, nine negative out of 32). Reddit users highlight Lemonade's AI-powered app, which processes about 40% of claims instantly; Spot customers typically wait five to seven business days.
Spot vs. Lemonade Pet Insurance Coverage
Lemonade ranks sixth nationally for pet insurance coverage for dogs and cats, versus Spot's eighth. It has a shorter accident waiting period (two days versus Spot's 14) and more add-on options. Lemonade also lets pet owners adjust coverage within the first 14 days of purchase.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $100, $250, $500, $750
| |
$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited | $5,000, $10,000, $20,000, $50,000, $100,000 | |
70%, 80%, 90% | 60%, 70%, 80%, 90% | |
14 days for accidents, illnesses and orthopedic conditions | ||
Age restrictions | No upper age limits | Only insures pets up to 14 years old, depending on breed |
Pre-existing conditions | Curable conditions covered after 180 symptom-free days |
Coverage varies by state and policy terms. Review your policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Lemonade Wellness Plans
Both offer optional wellness plans for routine care, but Lemonade gives you four preventative packages versus Spot's two tiers.
- Gold wellness plan: Covers dental cleaning, wellness exams, vaccines, heartworm tests, deworming and fecal tests with up to $250 per year in benefits.
- Platinum wellness plan: Includes all Gold benefits plus spay/neuter coverage, additional vaccines, health certificates, urinalysis, blood tests and flea/heartworm prevention with higher reimbursements.
- Routine Vet Care package: Covers one wellness exam, three vaccinations, blood tests, parasite screening and heartworm testing for routine preventative care.
- Routine Vet Care Plus: Includes 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: Includes all Routine Vet Care benefits plus routine dental cleaning and heartworm or flea/tick medication coverage
- Puppy/kitten preventative package: For pets under two years old — covers two wellness exams, six vaccines, two fecal tests, spay/neuter and microchipping.
Spot vs. Lemonade Pet Insurance Add-ons
Spot has no additional add-ons beyond its wellness plans. Lemonade offers five:
- Vet visit fee: Covers veterinarian examination fees for accidents and illnesses that are charged separately from treatment costs
- Physical therapy: Covers acupuncture, chiropractic care, hydrotherapy and physical therapy following accidents or illnesses
- Dental illness: Covers dental procedures like tooth extractions, root canals and treatments for gingivitis and periodontal disease
- Behavioral conditions: Covers diagnostics, therapy sessions and training sessions for behavioral issues like separation anxiety, phobias and aggressive behaviors when administered by licensed professionals
- End-of-life: Covers vet-recommended euthanasia, cremation and memorial items
Spot vs. Lemonade Pet Insurance: Bottom Line
Your call between Spot and Lemonade comes down to price versus service. Lemonade starts at $19 a month for puppies and offers more add-on options, making it the stronger pick on cost and coverage. Spot earns a 4.7 out of 5 on Trustpilot versus Lemonade's 4, giving it the edge on customer experience.
See how Spot and Lemonade compare with other top providers:
Spot vs. Lemonade Pet Insurance Comparison: FAQ
Compare Spot and Lemonade pet insurance through these common questions:
Which is cheaper: Spot or Lemonade pet insurance?
Lemonade consistently offers cheaper pet insurance rates than Spot in 41 states across all age groups. Puppies cost $19 per month with Lemonade compared to Spot's $25 per month. Senior cats see even larger savings, with Lemonade charging $32 per month versus Spot's $72 per month.
Which has better customer service: Spot or Lemonade pet insurance?
Spot provides better customer service, ranking second nationally for customer experience compared to Lemonade's third-place ranking. Spot earns a 4.7 out of 5.0 Trustpilot rating and an A+ BBB rating, while Lemonade receives a 3.9 out of 5.0 Trustpilot rating and a B- BBB rating.
Which offers better coverage: Spot or Lemonade pet insurance?
Lemonade offers better coverage, ranking sixth nationally compared with Spot's eighth-place ranking. Lemonade provides eight add-on options including behavioral therapy, dental illness coverage and end-of-life care, while Spot offers two wellness plan tiers. Both cover the same basic conditions like diagnostics, procedures, medications and chronic illnesses, but Lemonade's broader add-on selection provides more customization.
Can I switch from Spot to Lemonade pet insurance or vice versa?
Switching is straightforward: buy the new policy and cancel the old one. Just know that new waiting periods apply: 14 days for illnesses with both providers and 30 days for orthopedic conditions with Lemonade. Any condition diagnosed or treated under your previous policy counts as pre-existing with the new insurer.
Does Lemonade or Spot cover pre-existing conditions?
Neither Spot nor Lemonade covers pre-existing conditions upfront, but both make exceptions. Spot covers curable conditions after 180 symptom-free days; Lemonade covers non-chronic conditions after 12 symptom-free months.
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
- Better Business Bureau. "Lemonade Insurance Company." Accessed March 24, 2026.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed March 24, 2026.
- Trustpilot. "Lemonade." Accessed March 24, 2026.
- Trustpilot. "Spot Pet Insurance ." Accessed March 24, 2026.