Lemonade is the digital-first one. You get a quote and manage everything in the app, and claims are processed by software first, which is why they often come back in minutes instead of weeks. Premiums start lower than most, and leftover premium money goes to charities through their annual giveback.
Pros
- Usually the lowest starting premiums of the group
- Claims decided fast, often within minutes
- Everything in the app, built for a phone
- Annual charity giveback program
The honest cons
- Coverage details and prices vary more by state than the older insurers
- No upper-age problems early, but premiums rise as pets age like everyone else
Good fit for
Budget-conscious owners who want solid accident-and-illness coverage at the lowest sensible price, and who like handling everything on their phone.
Quotes are free and take a few minutes. The button opens in a new tab, and this store stays open right here so you can come back to it.
We get a small commission if you buy through our links, which is how this store keeps running. It doesn’t change the price you’re offered.
Real bills from real dogs
We don’t sell insurance and we don’t take a word of your information. But we know what a surprise vet bill feels like. Max ate a chicken bone out of the trash: $4,800. Rocco swallowed a stone: $12,000 with the checkups. Velvet broke her front leg in her own backyard: $8,400. All three dogs lived to tell it, and we paid all three bills out of pocket.