Lemonade vs Pets Best: which should you pick?
Pets Best wins for cats and tight budgets: illustrative premiums start around $14/mo for a cat (the cheapest cat figure in our catalog, scoring 8.4/10 against Lemonade’s 9.2) and about $33/mo for a dog versus Lemonade’s $28. Lemonade wins overall dog score (9.0 vs 8.1), add-on depth, and app-first claims. Check state availability first: as of August 2026 Lemonade is not sold in AK, ID, KS, KY, 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 August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeThe exclusions cheat sheet
One page, all 8 insurers: every waiting period, annual cap and excluded condition, in plain English. We email it as soon as you join.
Where each one wins
Lemonade pairs the lowest dog entry price in our catalog with configurable limits to $100,000 and the deepest add-on menu (wellness, dental illness, behavioral, physical therapy, vet visit fees). Its cruciate wait is 6 months.
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.
Related questions
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Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.