Lemonade vs Spot: which should you pick?
Lemonade Pet is not sold in every state.
Spot wins on orthopedic fine print and flexibility: no separate orthopedic or cruciate wait beyond its standard 14-day period (where Lemonade currently advertises a 30-day orthopedic wait, including cruciate injuries (check your state policy)) and the widest limit menu in our catalog ($2,500 to unlimited). Lemonade scores higher for dogs (9.0 vs 8.3). Watch Spot’s linked-knee rule if either knee has been injured before, and compare current quotes at matched settings.
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.
Orthopedic fine print
Spot applies a single 14-day clock to accidents, illnesses and joints alike. Lemonade currently advertises 30 days for orthopedic conditions, including cruciate injuries; check your state policy.
For joint-risk breeds that difference can decide the claim: a cruciate injury surfacing in month three is covered under Spot’s terms and excluded under Lemonade’s.
Price and ceilings
Lemonade scores 9.0 vs Spot at 8.3 for dogs and 9.2 vs 8.2 for cats. Both reach high limits in their menus; Lemonade caps at $100,000. Compare current quotes using the same pet and coverage choices.
Related questions
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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.