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Lemonade vs Pets Best

Lemonade logo

Lemonade

Full profile
Pets Best logo

Pets Best

Full profile
Pet insuranceLast verified Oct 1, 2026
Verified facts for Lemonade and Pets Best, side by side
FieldLemonadePets Best
FoundedDiffers2015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-302005Source: Pets Bestverified 2026-09-30
HeadquartersDiffersNew York, New YorkSource: Lemonadeverified 2026-09-30Boise, IDSource: Pets Bestverified 2026-09-30
Insurance productsDiffers
  • auto
  • homeowners
  • renters
  • life
  • pet
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
  • pet
Source: Pets Bestverified 2026-09-30
Underwritten byDiffersLegal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30American Pet Insurance Company, Independence American Insurance Company, Independence Pet Insurance Company, or MS Transverse Insurance CompanySource: Pets Bestverified 2026-09-30
States availableDiffersLicensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
  • AL
  • AK
  • AZ
  • AR
  • CA
  • CO
  • CT
  • DE
  • DC
  • FL
  • GA
  • HI
  • ID
  • IL
  • IN
  • IA
  • KS
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NV
  • NH
  • NJ
  • NM
  • NY
  • NC
  • ND
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VT
  • VA
  • WA
  • WV
  • WI
  • WY
Source: Pets Bestverified 2026-10-01
States available, petUnknown on one side
  • AL
  • AZ
  • AR
  • CA
  • CO
  • CT
  • DE
  • DC
  • FL
  • GA
  • HI
  • IL
  • IN
  • IA
  • KY
  • LA
  • ME
  • MD
  • MA
  • MI
  • MN
  • MS
  • MO
  • MT
  • NE
  • NV
  • NH
  • NJ
  • NM
  • NY
  • NC
  • ND
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • TN
  • TX
  • UT
  • VA
  • WA
  • WI
Source: Lemonadeverified 2026-09-30		Not verified
Coverage typesDiffers
  • personal property
  • crime and vandalism coverage
  • water damage coverage
  • fire and smoke protection
  • liability coverage
  • medical expenses
  • loss of use coverage
Source: Lemonadeverified 2026-09-30
  • accidents
  • illnesses
  • surgeries
  • cancer
  • optional routine wellness coverage
Source: Pets Bestverified 2026-10-01
Reimbursement optionsUnknown on one sideNot verifiedOptions ranging from 70% - 90%Source: Pets Bestverified 2026-10-01
Deductible optionsUnknown on one sideNot verifiedAnnual deductible options ranging from $100 - $1,000Source: Pets Bestverified 2026-10-01
Waiting periodsDiffers
  • 2 days for accidents
  • 14 days for illnesses
  • 30 days for orthopedic conditions
  • 6 months for cruciate ligament events
Source: Lemonadeverified 2026-09-30		vary by state and coverage typeSource: Pets Bestverified 2026-10-01
Age restrictionsUnknown on one sideNot verifiedno upper age limit for enrollmentSource: Pets Bestverified 2026-10-01
How to get a quoteDiffers
  • online
  • mobile app
Source: Lemonadeverified 2026-09-30
  • online
  • phone
Source: Pets Bestverified 2026-10-01
How to file a claimDiffers
  • mobile app
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
  • online
  • Pets Best mobile app
  • online customer portal
Source: Pets Bestverified 2026-10-01
Customer service channelsDiffers
  • mobile app
  • website
Source: Lemonadeverified 2026-09-30
  • phone
  • fax
  • mail
Source: Pets Bestverified 2026-10-01
Notable limitationsDiffers
  • Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect
  • Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk
Source: Lemonadeverified 2026-09-30
  • Accident & Illness plans do not cover preventive care or elective procedures, including annual wellness exams, vaccinations, flea and tick prevention, ear cropping, tail docking and feline declawing
Source: Pets Bestverified 2026-10-01
Financial strength ratingsUnknown on one sideDemotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30Not verified

Both companies write pet insurance. Of the fields we have verified for either company, 11 differ and 5 are unverified on at least one side. We do not pick a winner and we do not score either company.

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