Lemonade vs Pets Best: which should you pick?
Lemonade Pet is not sold in every state.
Pets Best has a $50 annual deductible floor and a waivable 3-day accident wait. Lemonade scores higher for dogs (9.0 vs 8.1) and cats (9.2 vs 8.4), with more add-ons and app-first claims. Start with a current Lemonade quote where sold, then compare Pets Best at matched coverage settings. As of October 2026 Lemonade is not sold in AK, ID, KS, SD, VT, WV or WY.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Where each one wins
Lemonade offers configurable limits to $100,000 and a deep add-on menu (wellness, dental illness, behavioral, physical therapy, vet visit fees). Its currently advertised orthopedic wait is 30 days, including cruciate injuries (check your state policy). Get a current quote where sold.
Pets Best answers with the lowest deductible floor we track ($50), a 3-day accident wait waivable entirely with a qualifying exam, limits up to unlimited, and two wellness tiers. Its documented weak spots: a 6-month cruciate wait and exam fees costing extra on the base Essential plan.
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The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.