Lemonade Pet Insurance vs Healthy Paws: Coverage, Customer Service, Price, Repayment, Discounts, And More Compared

Two dogs dressed up looking for treat (caption: Lemonade vs Healthy Paws)Lemonade is a pet insurance newcomer, while Healthy Paws is a veteran. We compare these two pet insurance companies head-to-head and choose a winner. We explain our reasoning for our rankings below. Remember, you should always get quotes for your specific pet and location and read the policy before signing up. Ultimately we feel that coverage should be a leading factor for you to consider before purchasing, but we also realize that cost is an important aspect.

Visit Lemonade’s Website | Visit Healthy Paws’ Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)The table below shows precisely what Lemonade and Healthy Paws cover. Both companies cover x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, euthanasia, non-routine dental treatment, hereditary conditions, congenital conditions, and prescription medication.

 LemonadeHealthy Paws
Overall Ranking in our Pet Insurance ReviewsNot Ranked2nd
Hip Dysplasia Waiting Period14 Days12 Months*
ACL Waiting Period6 Months15 Days
Pre-Existing ConditionsXX
Check Ups, Vaccinations, Spay/Neuter, Teeth CleaningExtra FeeX
Illnesses Waiting Period14 Days15 Days
Accidents Waiting Period2 Days15 Days
Behavioral TherapyXX
Exam FeesExtra FeeX
Enrollment FeeX$25
30-Day Money-Back GuaranteeXCheckmark
Annual Payout Options$5,000, $10,000, $20,000, $50,000, $100,000Unlimited
BBB RatingBA+
UnderwriterLemonade Insurance Agency LLCWestchester Fire Insurance Company/Chubb
A.M. Best RatingAA++
Exam Required to Set Baseline for Pet's HealthCheckmarkCheckmark

*Healthy Paws only offers hip dysplasia coverage to dogs enrolled before the age of six.

The biggest differences between these two companies regarding coverage is:

  • Healthy Paws doesn’t enroll dogs older than 14 years old
  • Healthy Paws has limitations to its hip dysplasia coverage
  • Lemonade offers a wellness plan for an extra fee; Healthy Paws does not
  • Lemonade has more payout limit options to fit into your budget than Healthy Paws does
  • Healthy Paws is available nationwide; Lemonade is only available in 34 states and Washington D.C.

However, the catch is that Lemonade pet insurance was just founded in 2020, so it’s hard for us to gauge if Lemonade will offer consistent coverage and pricing for the long haul. Because of this, we’d recommend Healthy Paws over Lemonade since the two companies’ coverages don’t vary drastically.Healthy Paws Logo

Policy Coverage Winner: Healthy Paws

Customer Service & Reputation

Person holding phone next to dog (caption: Customer Service Winner)As we mentioned, Lemonade is a young pet insurance company, so it doesn’t have a longstanding reputation like Healthy Paws does. Healthy Paws is known for having one of the best standings in the pet insurance industry. In fact, it used to lead the industry with positive change and innovations. Healthy Paws was also the first company to offer unlimited claim limits, and it has excellent customer service.

More recently, Healthy Paws’ innovation has taken a back seat to providing a consistent, reliable service. The company may not be rolling out new ideas as regularly as its competitors, but it’s still giving its customers dependable coverage. For all these reasons, we’ve chosen Healthy Paws as the winner for customer service and reputation.Healthy Paws Logo

Customer Service & Reputation Winner: Healthy Paws

Claim Repayment

Doctor's office papers (caption: Claim Repayment Winner)Lemonade pet insurance gives no claim repayment timeline promises to its customers. Lemonade’s goal is to pay the majority of straightforward claims almost instantly. I spoke with Lemonade directly and was told that they don’t share their average handling time for claims.

On the other hand, Healthy Paws pays 99% of their claims within two days — the best out of all the companies we review. Additionally, you may be able to have Healthy Paws pay your vet directly, so you don’t have to pay a hefty vet bill in advance and wait for reimbursement. But this isn’t available everywhere, so check with your vet first to see if this is an option for you.Healthy Paws Logo

Claim Repayment Winner: Healthy Paws

Plan Customization

Several types of dogs sitting together (caption: Customize Plan Winner)The major differences between these two companies are the level of plan customization available and age restrictions.

While Healthy Paws has unlimited payouts for all plans, they do have some restrictions on reimbursement and annual deductible amounts, depending on your pet’s age at enrollment.

  • Dogs and cats 5 years and under:
    • 90%, 80%, and 70% reimbursement
    • $100, $250, and $500 deductible
  • Dogs and cats 6 and 7 years old:
    • 80%, 70%, or 60% reimbursement
    • $250, $500, or $750 deductible
  • Dogs 8 years and older: 
    • 50% or 60% reimbursement
    • $750 or $1,000 deductible

Additionally, Healthy Paws doesn’t enroll pets older than 14 years old.

Lemonade pet insurance offers a lot of customizable options no matter the pet’s age:

  • Annual payout options: $5,000, $10,000, $20,000, $50,000, and $100,000
  • Deductibles: $100, $250, or $500
  • Reimbursement: 70%, 80%, or 90%

Lemonade offers coverage for pets aged 8 weeks to 20+ years, depending on the breed and species. Some breeds are ineligible for enrollment once they hit a certain age, but they never terminate pets’ coverage as they age. (Healthy Paws doesn’t terminate coverage for pets as they age either.)

Overall, Healthy Paws has more age restrictions and only one annual limit option, making it more difficult to adjust to fit your budget. Lemonade has fewer age restrictions, but it does have some breed restrictions. In the end, Lemonade wins by a hair.Lemonade Pet Insurance logo

Plan Customization Winner: Lemonade

Price Of Policy

Dog laying next to money (caption: Pricing Winner)Healthy Paws requires a one-time enrollment fee of $25. On the other hand, Lemonade doesn’t have any one-time fees or recurring transaction fees.

Below are some quotes we pulled on April 7, 2021. All information is for pets without a microchip, no multi-pet discount, and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
LemonadeYorkshire TerrierDecember 2017MaleOhio (43205)$10080%$100,000$24.08
Healthy PawsYorkshire TerrierDecember 2017MaleOhio (43205)$10080%Unlimited$33.85
LemonadeYorkshire TerrierDecember 2017MaleOhio (43205)$10090%$100,000$26.58
Healthy PawsYorkshire TerrierDecember 2017MaleOhio (43205)$10090%Unlimited$42.29
LemonadeLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%$20,000$64.08
Healthy PawsLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$94.57
LemonadeMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%$10,000$26.50
Healthy PawsMedium Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$54.99
LemonadeAmerican Pitbull TerrierSeptember 2018MaleNew York (10012)$50070%$50,000$35.00
Healthy PawsAmerican Pitbull TerrierSeptember 2018MaleNew York (10012)$50070%Unlimited$70.61

We like that Lemonade has more annual claim limit options than Healthy Paws, so you can adjust your coverage based on your budget. Healthy Paws offers some of the most affordable coverage for unlimited claim limits, but it’s hard to compare apples to apples when Healthy Paws only gives you the unlimited claim limits option.Lemonade Pet Insurance logo

Price Of Policy Winner: Lemonade

Coupons

Lemonade

Looking for a Lemonade promo code? Click here for the best deal we could find.

Healthy Paws

Use this link to receive the best price we can offer you and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to discuss current discounts.

What’s The Verdict?

Healthy Paws wins this comparison due to its coverage, reputation, customer service, and speedy claim repayment. However, if you want more customization options or a wellness plan, you may want to consider Lemonade.

If you didn’t find what you were looking for, our experts dig even deeper into each company in our individual reviews of Lemonade and Healthy Paws.Healthy Paws Logo

Overall Winner: Healthy Paws

Our experts have spent hundreds of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, which include more than 20 companies.

If you prefer to see winners by category, see our best pet insurance comparison. We give awards for the best price, multiple pet discounts, 100% reimbursement, unlimited payouts, and other “best for” categories, including puppies, older dogs, dental, wellness coverage, bilateral conditions, behavioral therapy, vet direct pay, and more. You’ll even see winners for exotic pets and cats.

Would you choose Lemonade or Healthy Paws for your dog? Why?