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

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

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 important.

Visit Lemonade’s Website | Visit Healthy Paws’ Website

LemonadeHealthy Paws
Policy CoverageMore LimitedMore Limited
Customer Service & ReputationUncertain, NewExcellent, Stable
Claim Processing Average2 Days2 Days
Price Of PolicyLower On AverageVaries
Plan CustomizationsMany OptionsRestricted Options
Overall WinnerOrange X (No or Not)Brown checkmark (Yes)
 Visit WebsiteVisit Website

Policy Coverage

Dog under covers (caption: Policy Coverage Winner)

The table below shows precisely what Lemonade and Healthy Paws cover. Both companies cover emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. Neither covers pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

LemonadeHealthy Paws
Ranking In Our Pet Insurance ComparisonBest NewcomerFastest Claim Processing
Illness Waiting Period14 Days15 Days
Accident Waiting Period2 Days15 Days
Hip Dysplasia Waiting Period*14 Days12 Months
CCL Surgery Waiting Period6 Months15 Days
Behavioral TherapiesOrange X (No or Not)Orange X (No or Not)
Alternative/Holistic TherapyOrange X (No or Not)Orange X (No or Not)
Wellness Care For An Extra FeeBrown checkmark (Yes)Orange X (No or Not)
Exam FeesExtra FeeOrange X (No or Not)
UnderwriterLemonade Insurance Agency LLCWestchester Fire Insurance Company/Chubb
A.M. Best RatingUnratedA++

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

You’ll notice that Healthy Paws has an A++ A.M. Best rating (a measurement of financial stability), which is the best we’ve seen from any pet insurance company. Lemonade’s underwriter is unrated, which shows uncertainty.

Another key deciding factor for you may be the age restrictions attached to each of these companies. Healthy Paws doesn’t enroll pets older than 14 years old. Additionally, Healthy Paws will not enroll pets older than four years old in New York state. And if you choose to enroll your pet with Healthy Paws after their sixth birthday, you’ll notice plan customization restrictions and exclusions for hip dysplasia coverage. Meanwhile, Lemonade has breed restrictions and plan restrictions for specific ages.

Healthy Paws logo with tagline

Additionally, Healthy Paws is available in 49 states (currently not enrolling new pets in Washington), whereas Lemonade is only available in 36 states and Washington, D.C. Because of this, Healthy Paws is the winner of this category.

Policy Coverage Winner: Healthy Paws

Customer Service & Reputation

Person holding phone next to dog (caption: Customer Service Winner)

Lemonade pet insurance was founded in 2020, so it’s hard for us to gauge if Lemonade will offer consistent coverage and pricing for the long haul. It doesn’t have the longstanding reputation that 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 service. We’ve chosen Healthy Paws as the winner for customer service and reputation for all these reasons.

Healthy Paws logo with tagline

Customer Service & Reputation Winner: Healthy Paws

Claim Processing

Doctor's office papers (caption: Claim Repayment Winner)

Both Lemonade and Healthy Paws process most of their claims within two days. For years and years, Healthy Paws has been consistent with its claim processing average showing how stable it is as a company. Once Lemonade has more years under its belt in the pet insurance space, we could see it winning this category because it has an Artificial Intelligence (AI) -driven claim process. AI allows Lemonade to pay several straightforward claims within seconds of submission. This has really disrupted the pet insurance space and caused competitors to step it up.

Healthy Paws logo with tagline

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.

Claim Processing Winner: Healthy Paws

Price Of Policy

Dog laying next to money (caption: Pricing Winner)

Healthy Paws requires a one-time enrollment fee of $25 and no transaction fees. On the other hand, Lemonade doesn’t have any one-time fees or recurring transaction fees.

Below are some quotes we pulled in January 2022. All information is for pets without a microchip, no multi-pet discount, and no pre-existing conditions.

 BreedBirthdayGenderLocationDeductibleReimbursement %Annual PayoutPrice Per Month
Lemonade Pet InsuranceLabrador RetrieverApril 2017FemaleCalifornia (90024)$25090%$100,000$72.58
Healthy PawsLabrador RetrieverApril 2017FemaleCalifornia (90024)$25080%Unlimited$100.81
Lemonade Pet Insurance40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50090%$10,000$39.50
Healthy Paws40 lb Mixed BreedJanuary 2015FemaleIllinois (60604)$50070%Unlimited$56.54
Lemonade Pet InsuranceAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50090%100,000$44.83
Healthy PawsAmerican Pit Bull TerrierJuly 2021MaleNew York (10012)$50080%Unlimited$78.40

It’s hard to compare apples-to-apples because Healthy Paws doesn’t offer all of its deductible and reimbursement options for each dog because it’s based on your pet’s details. However, Lemonade is typically less expensive than Healthy Paws.

Lemonade logo

Price Of Policy Winner: Lemonade Pet Insurance

Coupons

Lemonade Pet Insurance

Lemonade offers the following discounts: 

  • 10% off if you bundle with your renters, homeowners, auto, condo, or co-op insurance
  • 5% off for multiple pets 

No promo code is needed. Use this link to take advantage of the best possible price.

Healthy Paws

Use this link to take advantage of the best possible price and get a quote for your pet from Healthy Paws. You can also visit our dedicated Healthy Paws promotions page to learn more.

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

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.)

Lemonade logo

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.

Plan Customization Winner: Lemonade Pet Insurance

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.

Healthy Paws logo with tagline

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

Overall Winner: Healthy Paws

Our experts have spent hundreds of hours researching to bring you our comprehensive and frequently updated pet insurance reviews, including our top picks as well as details on each of the most popular pet insurance 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.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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