Lemonade's pet insurance is better for cats and dogs than Spot's, based on MoneyGeek's analysis. Lemonade ranks first nationally for both cats and dogs, while Spot ranks second for cats and sixth for dogs. Lemonade also leads in affordability and coverage options, though Spot wins for customer experience.
Spot vs. Lemonade Pet Insurance
Updated: October 4, 2025
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 ranks second nationally in customer experience for both cats and dogs with a Trustpilot rating of 4.7 out of 5.0 stars, outperforming fifth-place Lemonade's 4.2 stars.
Lemonade ranks sixth nationwide for coverage compared with Spot's eighth place, offering shorter waiting periods for accidents and more optional add-ons.
Is Spot or Lemonade Pet Insurance Better?
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Pet Type:Dog
| Affordability | Lemonade | 1 | 9 |
| Coverage | Lemonade | 6 | 8 |
| Customer Experience | Spot | 2 | 3 |
| Overall Score | Lemonade | 1 | 6 |
Spot and Lemonade Comparison by State
Lemonade is the best pet insurance company in 47 states for cats and 50 states for dogs. Spot is the top insurer in California, Florida and Massachusetts for cat coverage.
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Score Category:Overall Score
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Pet Type:Dog
| Alabama | Lemonade | 1 | 6 |
| Alaska | Lemonade | 1 | 7 |
| Arizona | Lemonade | 1 | 5 |
| Arkansas | Lemonade | 2 | 6 |
| California | Lemonade | 1 | 3 |
| Colorado | Lemonade | 1 | 5 |
| Connecticut | Lemonade | 1 | 6 |
| Delaware | Lemonade | 1 | 6 |
| Florida | Lemonade | 1 | 3 |
| Georgia | Lemonade | 1 | 6 |
| Hawaii | Lemonade | 1 | 7 |
| Idaho | Lemonade | 1 | 5 |
| Illinois | Lemonade | 1 | 5 |
| Indiana | Lemonade | 2 | 4 |
| Iowa | Lemonade | 1 | 5 |
| Kansas | Lemonade | 1 | 4 |
| Kentucky | Lemonade | 1 | 4 |
| Louisiana | Lemonade | 1 | 7 |
| Maine | Lemonade | 1 | 4 |
| Maryland | Lemonade | 1 | 3 |
| Massachusetts | Lemonade | 1 | 5 |
| Michigan | Lemonade | 1 | 5 |
| Minnesota | Lemonade | 1 | 6 |
| Mississippi | Lemonade | 1 | 5 |
| Missouri | Lemonade | 1 | 5 |
| Montana | Lemonade | 1 | 6 |
| Nebraska | Lemonade | 1 | 7 |
| Nevada | Lemonade | 1 | 4 |
| New Hampshire | Lemonade | 1 | 4 |
| New Jersey | Lemonade | 1 | 5 |
| New Mexico | Lemonade | 2 | 6 |
| New York | Lemonade | 1 | 6 |
| North Carolina | Lemonade | 1 | 5 |
| North Dakota | Lemonade | 2 | 5 |
| Ohio | Lemonade | 1 | 6 |
| Oklahoma | Lemonade | 2 | 3 |
| Oregon | Lemonade | 1 | 5 |
| Pennsylvania | Lemonade | 1 | 5 |
| Rhode Island | Lemonade | 1 | 6 |
| South Carolina | Lemonade | 2 | 3 |
| South Dakota | Lemonade | 2 | 4 |
| Tennessee | Lemonade | 1 | 6 |
| Texas | Lemonade | 1 | 5 |
| Utah | Lemonade | 1 | 6 |
| Vermont | Lemonade | 1 | 7 |
| Virginia | Lemonade | 1 | 5 |
| Washington | Lemonade | 2 | 3 |
| West Virginia | Lemonade | 1 | 3 |
| Wisconsin | Lemonade | 1 | 5 |
| Wyoming | Lemonade | 1 | 4 |
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:
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Cost Category:
| 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% |
Spot vs. Lemonade Pet Insurance Cost by State
Lemonade provides the cheapest pet insurance in 41 states, offering lower rates than Spot across every cost category. Lemonade ranks first in affordability for puppies, young dogs, middle-aged dogs and senior cats in these 41 states.
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Cost Category: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% |
Spot vs. Lemonade Pet Insurance Discounts
Spot offers more pet insurance discounts than Lemonade, with four ways to save, while Lemonade has three. The table below details each provider's specific discount offerings and savings amounts.
Depending on your state, save 5% to 10% on pet insurance when you insure two or more pets. | Save 10% on each additional pet's premium when you enroll multiple pets in coverage. | |
Bundling | Save up to 10% when you bundle pet insurance with other Lemonade policies like homeowners, renters, car or life insurance. | None |
Annual Pay-In Full | Save 5% on your premium when you pay annually instead of monthly. | None |
Association/Club Member | None | American Automobile Association (AAA) members receive 10% off their first pet's policy when enrolling through the AAA partner portal. Blue Cross Blue Shield members who sign up for the Blue365 program can access 10% savings on Spot pet insurance policies. |
Employer Group | None | Employees of participating companies receive 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 receives mixed reviews with strong Trustpilot scores but a low BBB rating.
Spot vs. Lemonade Trustpilot ratings
Spot earns a higher Trustpilot rating at 4.7 out of 5.0 stars compared to Lemonade's 4.2 out of 5.0 stars. Spot's customers praise its responsive customer service teams and helpful support during the claims process, while Lemonade's policyholders highlight the company's quick digital service and user-friendly app experience.
Spot vs. Lemonade Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found contrasting sentiment between Spot and Lemonade. 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.
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. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Lemonade 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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$1,000, $750, $500, $250, $100
| $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 | 10 to 14 years old based on breed |
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 Pet Insurance Add-ons
Lemonade offers more pet insurance add-ons than Spot, and both companies offer comparable wellness plan choices. Lemonade offers more add-ons because it includes fewer coverages in its base policy, allowing more customization and lower base rates. Compare each provider's add-on options:
Spot Pet Insurance Add-ons
Spot offers two wellness plan add-ons:
- 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 enhanced reimbursements
Lemonade Pet Insurance Add-ons
Lemonade offers eight add-on options:
- Preventative care package: Covers one wellness exam, three vaccinations, blood tests, parasite screening and heartworm testing for routine preventative care
- Preventative+ care package: Includes all Preventative 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
- 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 4.2 out of 5.0 rating.
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 fifth-place ranking. Spot earns a 4.7 out of 5.0 Trustpilot rating and an A+ BBB rating, while Lemonade receives a 4.2 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 plans. 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.
Can I get discounts with both Spot and Lemonade pet insurance?
Both providers offer discounts, with Spot providing four options and Lemonade offering three. Spot gives 10% off for AAA members, Blue Cross Blue Shield Blue365 program members, employer group benefits and multi-pet policies. Lemonade offers 5% for annual payments, up to 10% for bundling with other Lemonade insurance products and up to 10% for multi-pet coverage.
What are the age limits for Spot vs. Lemonade pet insurance?
Spot accepts pets of any age with no upper age limit, making it the better choice for senior pets. Lemonade restricts enrollment to pets between 10 and 14 years old based on breed, potentially excluding older animals.
How We Scored Spot vs. Lemonade Pet Insurance
Choosing between Spot and Lemonade pet insurance requires comparing actual costs and coverage across identical scenarios. We gathered quotes from both companies using the same pet profiles and coverage specifications 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
We also weighted three factors based on what matters most when choosing pet insurance.
Affordability (50% of score): We gathered quotes across all coverage combinations and pet ages to compare actual costs, including how each company applies discounts to determine the actual premium you'd pay.
Customer Experience (30% of score): We collected ratings from Trustpilot and analyzed Reddit comment sentiment to measure how each provider treats customers during claims and support interactions.
Coverage (20% of score): We reviewed policy terms, add-ons, waiting periods and coverage inclusions to determine which provider offers more comprehensive financial protection for your pet's health needs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
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.