Based on MoneyGeek's analysis, Lemonade's pet insurance is better than Spot's, ranking first nationally for both pets, while Spot ranks second for cats and sixth for dogs. That said, your best option may change based on what you're looking for. If you value savings or comprehensive coverage, consider Lemonade. If you want excellent customer service, Spot is more ideal.
Spot vs. Lemonade Pet Insurance
Updated: January 23, 2026
Advertising & Editorial Disclosure
Spot vs. Lemonade Pet Insurance: Key Takeaways
Lemonade offers cheaper pet insurance rates than Spot, with puppies costing $19 per month compared with Spot's $25 and senior cats costing $32 per month compared with Spot's $72.
Spot delivers superior customer service than Lemonade, earning a Trustpilot rating of 4.7 out of 5.0 and A+ BBB rating for fast claim processing and user-friendly app.
Lemonade provides more comprehensive coverage than Spot, offering shorter waiting periods for accidents and optional add-ons beyond 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
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.
Learn more about the best pet insurance options for your pet across different situations:
Spot and Lemonade Comparison by State
Between Lemonade and Spot, Lemonade wins as the best pet insurance company in 47 states for cats and 50 states for dogs. Spot takes the lead 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
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.
Spot vs. Lemonade Pet Insurance Cost
Lemonade offers cheaper pet insurance rates than Spot across all age groups for cats and dogs. Puppies cost $19 per month with Lemonade compared with Spot's $25 per month, while senior cats cost $32 per month with Lemonade versus $72 per month with Spot.
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
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.
Spot vs. Lemonade Pet Insurance Cost by State
Lemonade consistently provides the cheapest pet insurance across all pet age groups for cats and dogs 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
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Spot vs. Lemonade Pet Insurance Discounts
Spot and Lemonade tie with three pet insurance discounts each, but Spot offers more value for multi-pet households. Spot saves you 10% on each additional pet compared to Lemonade's 5%, making it the clear winner if you're insuring multiple pets. Spot also rewards association members and employees joining employer group plans with 10% discounts, while Lemonade pulls ahead for bundling opportunities with 10% off when you combine policies.
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 provides better customer experience for pet insurance than Lemonade, ranking second nationally for both dogs and cats in our study. Spot earns higher ratings on Trustpilot and the Better Business Bureau, while Lemonade garners stronger positive sentiment among Reddit users.
Spot vs. Lemonade Trustpilot ratings
Spot earns a higher Trustpilot rating at 4.7 out of 5.0 stars compared to Lemonade's 3.9 out of 5.0 stars. Spot customers rave about quick claims processing (often within one to two weeks) and straightforward app-based submissions, though some mention premium increases at renewal. Lemonade users love the instant reimbursements and user-friendly app, but many complain about AI-driven claims that miss details and the lack of phone support when issues arise.
Spot vs. Lemonade BBB ratings
Spot holds an A+ rating from BBB and has been BBB Accredited since May 2020. Lemonade has a B- rating from BBB but is not BBB Accredited. The A+ rating means Spot meets BBB's Standards for Trust and handles complaints effectively, while Lemonade's B- reflects 601 complaints filed (including two unresolved cases).
Spot vs. Lemonade Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Spot receives 13 positive and 16 negative comments out of 29 total, resulting in 45% positive sentiment. Lemonade performs better on Reddit with 23 positive and nine negative comments out of 32 total, achieving 72% positive sentiment. Reddit users praise Lemonade's AI-powered app that processes about 40% of claims instantly, while Spot customers wait five to seven business days for reimbursement.
Spot vs. Lemonade Pet Insurance Coverage
Lemonade offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot ranks eighth. Lemonade edges ahead by having a shorter waiting period for accidents and more coverage selection flexibility. It also allows pet owners to change their 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. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Lemonade Wellness Plans
Both Spot and Lemonade offer optional wellness plans for routine care, but Lemonade provides more flexibility with four preventative care packages compared to Spot's two wellness 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: Designed for pets under two years old, covering two wellness exams, six vaccines, two fecal tests, spay/neuter and microchipping.
Spot vs. Lemonade Pet Insurance Add-ons
Spot doesn't have any other optional add-ons for expanding its base coverage. Meanwhile, Lemonade offers five:
- Vet visit fee add-on: Covers veterinarian examination fees for accidents and illnesses that are charged separately from treatment costs.
- Physical therapy add-on: Provides coverage for acupuncture, chiropractic care, hydrotherapy and physical therapy following accidents or illnesses.
- Dental illness add-on: Covers dental procedures like tooth extractions, root canals and treatments for gingivitis and periodontal disease.
- Behavioral conditions add-on: 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 coverage add-on: Provides coverage for vet-recommended euthanasia, cremation and memorial items to help with final expenses.
Spot vs. Lemonade Pet Insurance: Bottom Line
Choosing between Spot and Lemonade depends on your priorities for pet insurance. Lemonade wins in affordability and coverage options, with rates starting at $19 monthly for puppies and various add-on selections. Spot excels in customer experience, earning a 4.7 out of 5.0 rating on Trustpilot compared with Lemonade’s 3.9 out of 5.0 rating.
Compare other major pet insurance companies to determine the best choice for your pet:
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?
You can switch between Spot and Lemonade anytime by purchasing a new policy and canceling your current one. But new waiting periods will apply: 14 days for illnesses with both providers and 30 days for orthopedic conditions with Lemonade. Your new insurer will consider any conditions diagnosed or treated during your previous policy as pre-existing.
Does Lemonade or Spot cover pre-existing conditions?
Neither Spot nor Lemonade covers pre-existing conditions initially, but both offer limited coverage under specific circumstances. Spot covers curable conditions after 180 symptom-free days, while Lemonade covers non-chronic conditions after a longer 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 October 2, 2025.
- Better Business Bureau. "Spot Pet Insurance Services, LLC." Accessed October 2, 2025.
- Trustpilot. "Lemonade." Accessed October 2, 2025.
- Trustpilot. "Spot Pet Insurance ." Accessed October 2, 2025.