ASPCA® Pet Health Insurance plans vs. Lemonade plans
Your pet deserves great coverage.
Lemonade plans require a medical record showing a full exam of your pet within 12 months of your policy’s start date or 14 days after. Complete Coverage SM does not have any enrollment exam requirements.
Compare top plan features. See how we stack up.
This side-by-side comparison of plan features can help you decide between plans offered by the ASPCA Pet Health Insurance program and Lemonade.
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|---|---|---|
| Reimbursement Percentage | Choice of 90%, 80% or 70% of covered vet costs |
Choice of 90%, 80% or 70% of covered vet costs |
| Unlimited Annual Limit Available | Yes | No |
| Type of Deductible | Annual | Annual |
| Illness Coverage Waiting Period | 14 Days | 14 Days |
| Accident Coverage Waiting Period | 14 Days | 2 Days |
| Preventive Care Coverage | Optional add-on, coverage has no waiting period | Optional add-on, coverage has no waiting period |
| Coverage For Covered Conditions Includes: | ||
| Exam Fees | Yes | Yes |
| Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. | Yes | Yes |
| Prescription Medications | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes |
| Alternative Therapies | Yes | Optional add-on |
| Behavioral Issues | Yes | Optional add-on |
| Dental Illnesses | Yes | Optional add-on |
| Chronic Conditions | Yes | Yes |
| Licensed Specialists | Yes | Yes |
| Stem Cell Treatments | Yes | Yes |
| Prescription Food & Supplements To treat a covered condition (not for general maintenance or weight management) |
Yes | No |
| Microchip Implantation | Yes | Optional add-on |
| No Vaccination Requirements for Coverage of Certain Conditions | Yes | Yes |
| Multiple Pet Discount | 10% for each additional pet | 5% |
| Upper Age Limits for Illness Coverage Enrollment This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age. |
None | Age eligibility depends on the breed |
| All Pets Eligible, Regardless of Health | Yes | Yes |
| Accident-Only Plan Available for All Pets | Yes | No |
| Money Back Guarantee | 30 Days* | Yes |
| Experience** | The agency that provides ASPCA Pet Health Insurance was founded in 1997. | Lemonade launched in 2015 but did not start offering pet insurance until 2020. |
Lemonade Pet Insurance Plan Comparison
Get the details on some of the differences between Complete Coverage SM and Lemonade plan options.
Veterinary Exam Requirements
You’ll need to provide Lemonade with a medical record within 12 months of your policy’s start date or 14 days after. Complete Coverage SMdoes not have any exam requirements for enrollment.
Coverage for Accident and Illness Exam Fees
Any time you take your pet to the veterinarian for an accident or an illness, you’ll more than likely be charged a veterinary exam fee. This fee is not covered by Lemonade unless you also purchase their Extended Accident and Illness package. Complete Coverage SMcovers this fee.
Behavioral Issues
If you’ve ever had a pet who had a behavioral issue, with symptoms like destructive chewing or excessive vocalization, you know how disruptive it can be to your family. Depending on the condition, it can also be harmful and upsetting for your pet. That’s why Complete Coverage SM covers the eligible diagnosis and treatments of these conditions. Lemonade offers plan options with this coverage, but you’ll have to add it to your base plan and pay an extra add-on cost for it.
Prescription Food and Supplements
More veterinarians are prescribing prescription food and supplements to help pets with accidents and illnesses. If you enroll in Complete Coverage SM, you can get reimbursed the eligible expenses for these products when they are prescribed to treat a covered condition (not for general maintenance or weight management). Lemonade plans do not cover prescription food or supplements.
Multiple Pet Discount
If you’d like to cover more than one furry family member, you’ll be happy to know that you can enjoy a multiple pet discount with our plans. You get a 10% multiple pet discount for each additional pet after your most expensive pet. Even if you only have one pet now, you may want to add another furball to your family at some point. Lemonade plans have a 5% multiple pet discount.
Alternative Therapies
If your pet gets sick or injured, your veterinarian might suggest an alternative therapy to help with their recovery. These include physical therapy, hydrotherapy, massage therapy, and acupuncture. With Complete Coverage SM, you can get reimbursed the eligible expenses for those treatments if they are prescribed to treat a covered condition. Lemonade does not offer coverage for alternative therapies unless you purchase their Extended Accident and Illness package.
Experience
It’s important to factor in experience when shopping around for coverage. There’s no guarantee, but experience can indicate that a company has claims expertise and longevity. The agency that provides ASPCA Pet Health Insurance plans was founded in 1997. Lemonade launched in 2015 but did not start offering pet insurance until 2020.
* Prescription food & supplements are covered if they are prescribed to treat an eligible accident or illness. Prescription food & supplements are not covered if they are used for weight management or general health maintenance.
**We offer a 30-day money back guarantee if no covered claims are filed. Not available in NY.
Comparison information is provided using publicly available information as of 10/5/2022 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.