In This Review: Pumpkin Overview | Lemonade Overview | Plans & Pricing | Deductibles & Claims | Verdict With the cost of veterinary care skyrocketing along with what seems like everything else, a pet insurance policy can help reduce the money worries accompanying pet ownership. Pumpkin and Lemonade are two pet insurance companies that offer easy enrollment, fast claim service, and optional preventative wellness plans. In this article, we’ll compare the details of these two pet insurance companies to help you decide which makes the most sense for you. We’ll look at the types of plans available, what they cover, how the claims process works, any exclusions, and what added perks each company offers.
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Company Name Pumpkin Lemonade
Pets Covered Dogs and cats Dogs and cats
Types of Plans Accident and illness, Optional preventative wellness add-on Accident and illness, Optional preventative wellness add-on
Deductibles Annual deductible, flexible pricing Annual deductible, flexible pricing
Reimbursement 90% of covered bills Varies, 70%, 80%, or 90% of covered bills
Additional Perks Multi-pet discount Multi-pet discount, bundle discount, annual discount
Brief Overview of Pumpkin
Click to Get Your Pumpkin Quote Pros
Use any licensed vet in the United States or Canada
90% reimbursement on all services
Wellness add-on available
Extensive service coverage at no added cost, including rehab, exam fees, prescription food, behavioral services
No age cap on coverage
14-day waiting period for all conditions
Cons
Higher cost per month overall
Wellness plan doesn’t cover annual blood work
Pumpkin is a pet-exclusive insurance company that offers accident and illness coverage for dogs and cats, with no breed exclusions or upper age limits. With Pumpkin, you can take your pet to any licensed vet in the U.S. or Canada. The company offers a flat reimbursement rate for all covered services once the annual deductible is met. With Pumpkin, all covered conditions have the same 14-day waiting period for services to kick in. The company offers flexible repayment options, including direct payment to your veterinarian. Pumpkin aims to make it easy to understand what’s covered and what isn’t, with no pre-condition deductibles or preventative care requirements. While Pumpkin insurance plans don’t cover elective procedures or preventative care, they offer an optional wellness add-on that reimburses a certain amount of preventable care each year. The company does not cover pre-existing conditions.
Brief Overview of Lemonade
Click to Get Your Lemonade Quote Pros
Lower monthly cost overall
Ability to bundle insurance for convenience and further savings
Wellness plans cover more services, including spaying and neutering for pets under 2 years old
Medical advice chat available
Fast claim approval and hassle-free reimbursement
Cons
Only available in 36 states
Doesn’t cover as many conditions as Pumpkin
Extended waiting periods for many conditions
Variable reimbursement for insurance and wellness plans
Lemonade is a traditional insurance company that offers coverage for pets alongside auto, renter’s, homeowners, and life insurance plans. This allows pet owners the convenience of bundling their insurance services. Currently, Lemonade pet insurance is only available in 36 states, and discounts and options are not covered in every location. Lemonade offers a variety of accident and illness plans, with numerous add-ons and flexible reimbursement amounts. Waiting periods for coverage vary based on condition, from as little as 2 days for accidents to 6 months for knee ligament tears. Coverage is capped at a certain age, which also varies by breed and the pet’s life expectancy. Like Pumpkin, Lemonade offers the option of adding a preventative wellness package, which reimburses procedures such as heartworm tests and vaccines. They also provide a puppy and kitten-specific package that covers spaying or neutering. Lemonade features fast claim approvals and reimbursements direct deposited into your bank account. Pre-existing conditions are not covered.
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Pumpkin vs Lemonade: Plans Available Pumpkin and Lemonade offer accident and illness plans, meaning they cover emergencies, illnesses, and accidents, but not elective procedures or preventative care. Both companies offer additional wellness add-on packages, with Lemonade offering one specifically for puppies and kittens. Pumpkin’s plans are available to all pets over 8 weeks old, while Lemonade’s available plans and coverage vary by the pet’s age.
Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Lemonade $19.44 $11.00 Click to Get Quote
Pumpkin $57.69 $16.51 Click to Get Quote
Pumpkin Pumpkin has an accident and illness plan covering diagnostics, emergency procedures, hospitalizations, non-elective surgeries, and medications. Exam fees, including sick visits, are covered at no extra cost. Pumpkin also covers physical therapy, alternative therapies, prescription food, and behavioral services. Chronic conditions, preventable conditions, asymptomatic conditions, dental illness, and recurring conditions are all covered under Pumpkin’s plan. Pumpkin’s preventative wellness package is available for an additional fee. It covers the full cost of an annual exam, fecal check, heartworm test, and 1–4 annual shots depending on the age and type of pet you have. Lemonade Lemonade offers an accident and illness plan covering diagnostics, medications, hospitalizations, and non-elective surgeries. Exam fees are not covered under the basic plan but as an add-on for an additional charge. Physical therapy is also only covered under an add-on. Lemonade’s plans don’t cover behavioral issues, preventable conditions, dental illness, recurring conditions, asymptomatic conditions, or prescription diets. The company offers two wellness packages, covering five to seven routine services, including annual exams, vaccines, fecal tests, screening bloodwork, dental cleaning, and parasite control.
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Pumpkin vs Lemonade: Reimbursements and Deductibles Both Pumpkin and Lemonade have various deductible options and annual coverage limits. Pumpkin reimburses all covered services at 90% regardless of the plan. Lemonade’s reimbursement rate varies based on the policie selected. Pumpkin % of Medical Expenses
90%
Annual Deductible Options
$100
$250
$500
Maximum Coverage Options
$5,000
$15,000
$20,000
Unlimited
Pumpkin offers $100, $250, or $500 annual deductibles, with lower options increasing the plan’s monthly cost. Their annual coverage limit options are $7,000, $15,000, or unlimited. The higher coverage plans cost more per month. All covered services are reimbursed at 90% across the board: payable by check, direct deposit, or directly to your veterinarian. Lemonade % of Medical Expenses
60%
70%
80%
90%
Annual Deductible Options
$100
$250
$500
$750
Maximum Coverage Options
$5,000
$10,000
$20,000
$100,000
Lemonade also offers $100, $250, or $500 annual deductibles. The deductible selected changes the monthly cost of the plan but also depends on the reimbursement rate and annual limit selected. For annual limits, Lemonade offers $5,000, $10,000, $20,000, $50,000, or $100,000 per year. Their reimbursement rates are either 70%, 80%, or 90% of the total cost of covered services. Again, the plan’s monthly cost changes based on what options you select for each of these.
Pumpkin vs Lemonade: Additional Perks Pumpkin Pumpkin has a 10% multi-pet discount. They are a pet-exclusive insurance company and allow you to use any vet in the United States or Canada. Lemonade Lemonade offers a 5% multi-pet discount. They offer a 10% discount if you bundle other insurance services and a 5% annual discount. Lemonade also has a medical advice chat option and fast claim approval.
Related Read: Lemonade vs Trupanion Pet Insurance: Pros, Cons & Verdict
Company Verdict: Which One Has the Edge? Customer Service 📞 Edge: Lemonade We’ll give Lemonade the edge here because they have the live chat feature. They also make it very easy to file claims and receive approval quickly through their app. Pumpkin is easy to contact but doesn’t have an app for filing claims, although it can be completed online. Both make it easy to receive quotes and sign up for insurance plans. Price of Plans 💲 Edge: Lemonade Even the highest option (reimbursement, annual limit, deductible) Lemonade plan was comparable in price to the lowest monthly price of a Pumpkin plan. The price increases if you add on options like exam-fee coverage and rehab, which are included in Pumpkin’s plans. Pumpkin’s wellness plan is cheaper than Lemonade’s preventative add-on but doesn’t cover as many services. Areas of Coverage 🌐 Edge: Pumpkin For the accident and illness plans, this one isn’t even close. Pumpkin has the most extensive coverage, including behavioral services, dental illness, and prescription food. They also cover many conditions that Lemonade won’t, including recurring conditions. If your puppy eats chocolate twice in one year, Pumpkin covers both, and Lemonade might not. They also cover “preventable conditions” if, for example, your dog isn’t vaccinated and catches a preventable disease. Pumpkin will pay to treat it, but Lemonade will not. Perks📱 Edge: Lemonade Lemonade offers more discounts and the convenience of bundling all your insurance in one place. They also have an app for you to submit claims and a medical advice chat. Pumpkin has a better multi-pet discount but no app, but they make it easy to submit claims online. Pumpkin covers any pet, regardless of age and breed, while Lemonade has some limitations.
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Conclusion Of the two insurance plans, Pumpkin is more expensive per month but offers much more extensive coverage and a 90% reimbursement rate for all services. Lemonade is cheaper per month but could leave you paying out of pocket because of the things they don’t cover. Neither wellness plan is very extensive, but Lemonade covers more services than Pumpkin, although Pumpkin refunds 100% of theirs. Lemonade is the choice for those looking for cost-effective and convenient pet insurance for younger animals. Pumpkin offers more peace of mind because of what it covers, plus the consistent reimbursement. It also allows you to get full coverage for any pet, no matter their age, which Lemonade does not. See also: Pumpkin Pet Insurance Review: Pros, Cons & Verdict Sources
https://www.lemonade.com/pet https://www.pumpkin.care/
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
In This Review: Pumpkin Overview | Lemonade Overview | Plans & Pricing | Deductibles & Claims | Verdict
With the cost of veterinary care skyrocketing along with what seems like everything else, a pet insurance policy can help reduce the money worries accompanying pet ownership. Pumpkin and Lemonade are two pet insurance companies that offer easy enrollment, fast claim service, and optional preventative wellness plans.
In this article, we’ll compare the details of these two pet insurance companies to help you decide which makes the most sense for you. We’ll look at the types of plans available, what they cover, how the claims process works, any exclusions, and what added perks each company offers.
Best for Dental Coverage
Our rating: 4.3 / 5
Compare Pumpkin Plans
Most Affordable Plans
Our rating: 4.6 / 5
Compare Lemonade Plans
Company Name Pumpkin Lemonade
Pets Covered Dogs and cats Dogs and cats
Types of Plans Accident and illness, Optional preventative wellness add-on Accident and illness, Optional preventative wellness add-on
Deductibles Annual deductible, flexible pricing Annual deductible, flexible pricing
Reimbursement 90% of covered bills Varies, 70%, 80%, or 90% of covered bills
Additional Perks Multi-pet discount Multi-pet discount, bundle discount, annual discount
Brief Overview of Pumpkin
Click to Get Your Pumpkin Quote Pros
Use any licensed vet in the United States or Canada
90% reimbursement on all services
Wellness add-on available
Extensive service coverage at no added cost, including rehab, exam fees, prescription food, behavioral services
No age cap on coverage
14-day waiting period for all conditions
Cons
Higher cost per month overall
Wellness plan doesn’t cover annual blood work
Pumpkin is a pet-exclusive insurance company that offers accident and illness coverage for dogs and cats, with no breed exclusions or upper age limits. With Pumpkin, you can take your pet to any licensed vet in the U.S. or Canada. The company offers a flat reimbursement rate for all covered services once the annual deductible is met.
Best for Dental Coverage
Our rating: 4.3 / 5
Compare Pumpkin Plans
Most Affordable Plans
Our rating: 4.6 / 5
Compare Lemonade Plans
Best for Dental Coverage
Our rating: 4.3 / 5
Compare Pumpkin Plans
Most Affordable Plans
Our rating: 4.6 / 5
Compare Lemonade Plans
Best for Dental Coverage
Our rating: 4.3 / 5
Compare Pumpkin Plans
Our rating: 4.3 / 5
Most Affordable Plans
Our rating: 4.6 / 5
Compare Lemonade Plans
Our rating: 4.6 / 5
Optional preventative wellness add-on
Click to Get Your Pumpkin Quote
Pros
Use any licensed vet in the United States or Canada
90% reimbursement on all services
Wellness add-on available
Extensive service coverage at no added cost, including rehab, exam fees, prescription food, behavioral services
No age cap on coverage
14-day waiting period for all conditions
Cons
Higher cost per month overall
Wellness plan doesn’t cover annual blood work
Use any licensed vet in the United States or Canada
90% reimbursement on all services
Wellness add-on available
Extensive service coverage at no added cost, including rehab, exam fees, prescription food, behavioral services
No age cap on coverage
14-day waiting period for all conditions
- Use any licensed vet in the United States or Canada
- 90% reimbursement on all services
- Wellness add-on available
- Extensive service coverage at no added cost, including rehab, exam fees, prescription food, behavioral services
- No age cap on coverage
- 14-day waiting period for all conditions
Higher cost per month overall
Wellness plan doesn’t cover annual blood work
- Higher cost per month overall
- Wellness plan doesn’t cover annual blood work
With Pumpkin, all covered conditions have the same 14-day waiting period for services to kick in. The company offers flexible repayment options, including direct payment to your veterinarian. Pumpkin aims to make it easy to understand what’s covered and what isn’t, with no pre-condition deductibles or preventative care requirements.
While Pumpkin insurance plans don’t cover elective procedures or preventative care, they offer an optional wellness add-on that reimburses a certain amount of preventable care each year. The company does not cover pre-existing conditions.
Brief Overview of Lemonade
Click to Get Your Lemonade Quote Pros
Lower monthly cost overall
Ability to bundle insurance for convenience and further savings
Wellness plans cover more services, including spaying and neutering for pets under 2 years old
Medical advice chat available
Fast claim approval and hassle-free reimbursement
Cons
Only available in 36 states
Doesn’t cover as many conditions as Pumpkin
Extended waiting periods for many conditions
Variable reimbursement for insurance and wellness plans
Lemonade is a traditional insurance company that offers coverage for pets alongside auto, renter’s, homeowners, and life insurance plans. This allows pet owners the convenience of bundling their insurance services. Currently, Lemonade pet insurance is only available in 36 states, and discounts and options are not covered in every location.
Click to Get Your Lemonade Quote
Pros
Lower monthly cost overall
Ability to bundle insurance for convenience and further savings
Wellness plans cover more services, including spaying and neutering for pets under 2 years old
Medical advice chat available
Fast claim approval and hassle-free reimbursement
Cons
Only available in 36 states
Doesn’t cover as many conditions as Pumpkin
Extended waiting periods for many conditions
Variable reimbursement for insurance and wellness plans
Lower monthly cost overall
Ability to bundle insurance for convenience and further savings
Wellness plans cover more services, including spaying and neutering for pets under 2 years old
Medical advice chat available
Fast claim approval and hassle-free reimbursement
- Lower monthly cost overall
- Ability to bundle insurance for convenience and further savings
- Wellness plans cover more services, including spaying and neutering for pets under 2 years old
- Medical advice chat available
- Fast claim approval and hassle-free reimbursement
Only available in 36 states
Doesn’t cover as many conditions as Pumpkin
Extended waiting periods for many conditions
Variable reimbursement for insurance and wellness plans
- Only available in 36 states
- Doesn’t cover as many conditions as Pumpkin
- Extended waiting periods for many conditions
- Variable reimbursement for insurance and wellness plans
Lemonade offers a variety of accident and illness plans, with numerous add-ons and flexible reimbursement amounts. Waiting periods for coverage vary based on condition, from as little as 2 days for accidents to 6 months for knee ligament tears. Coverage is capped at a certain age, which also varies by breed and the pet’s life expectancy.
Like Pumpkin, Lemonade offers the option of adding a preventative wellness package, which reimburses procedures such as heartworm tests and vaccines. They also provide a puppy and kitten-specific package that covers spaying or neutering.
Lemonade features fast claim approvals and reimbursements direct deposited into your bank account. Pre-existing conditions are not covered.
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Pumpkin vs Lemonade: Plans Available
Pumpkin and Lemonade offer accident and illness plans, meaning they cover emergencies, illnesses, and accidents, but not elective procedures or preventative care. Both companies offer additional wellness add-on packages, with Lemonade offering one specifically for puppies and kittens. Pumpkin’s plans are available to all pets over 8 weeks old, while Lemonade’s available plans and coverage vary by the pet’s age.
Most Customizable
Our rating: 4.5 / 5
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Best Wellness Plans
Our rating: 4.0 / 5
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Our rating: 4.2 / 5
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Most Customizable
Our rating: 4.5 / 5
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Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
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Most Customizable
Our rating: 4.5 / 5
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Our rating: 4.5 / 5
Best Wellness Plans
Our rating: 4.0 / 5
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.2 / 5
Our rating: 4.2 / 5
Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Lemonade $19.44 $11.00 Click to Get Quote
Pumpkin $57.69 $16.51 Click to Get Quote
Pumpkin
Pumpkin has an accident and illness plan covering diagnostics, emergency procedures, hospitalizations, non-elective surgeries, and medications. Exam fees, including sick visits, are covered at no extra cost. Pumpkin also covers physical therapy, alternative therapies, prescription food, and behavioral services.
Chronic conditions, preventable conditions, asymptomatic conditions, dental illness, and recurring conditions are all covered under Pumpkin’s plan.
Pumpkin’s preventative wellness package is available for an additional fee. It covers the full cost of an annual exam, fecal check, heartworm test, and 1–4 annual shots depending on the age and type of pet you have.
Lemonade
Lemonade offers an accident and illness plan covering diagnostics, medications, hospitalizations, and non-elective surgeries. Exam fees are not covered under the basic plan but as an add-on for an additional charge. Physical therapy is also only covered under an add-on.
Lemonade’s plans don’t cover behavioral issues, preventable conditions, dental illness, recurring conditions, asymptomatic conditions, or prescription diets.
The company offers two wellness packages, covering five to seven routine services, including annual exams, vaccines, fecal tests, screening bloodwork, dental cleaning, and parasite control.
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Pumpkin vs Lemonade: Reimbursements and Deductibles
Both Pumpkin and Lemonade have various deductible options and annual coverage limits. Pumpkin reimburses all covered services at 90% regardless of the plan. Lemonade’s reimbursement rate varies based on the policie selected.
Find The Best Pet Insurance Companies in 2023
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Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Click to Compare Plans
% of Medical Expenses
90%
Annual Deductible Options
$100
$250
$500
Maximum Coverage Options
$5,000
$15,000
$20,000
Unlimited
Pumpkin offers $100, $250, or $500 annual deductibles, with lower options increasing the plan’s monthly cost. Their annual coverage limit options are $7,000, $15,000, or unlimited. The higher coverage plans cost more per month.
90%
- 90%
$100
$250
$500
- $100
- $250
- $500
$5,000
$15,000
$20,000
Unlimited
- $5,000
- $15,000
- $20,000
- Unlimited
All covered services are reimbursed at 90% across the board: payable by check, direct deposit, or directly to your veterinarian.
% of Medical Expenses
60%
70%
80%
90%
Annual Deductible Options
$100
$250
$500
$750
Maximum Coverage Options
$5,000
$10,000
$20,000
$100,000
Lemonade also offers $100, $250, or $500 annual deductibles. The deductible selected changes the monthly cost of the plan but also depends on the reimbursement rate and annual limit selected.
60%
70%
80%
90%
- 60%
- 70%
- 80%
- 90%
$100
$250
$500
$750
- $100
- $250
- $500
- $750
$5,000
$10,000
$20,000
$100,000
- $5,000
- $10,000
- $20,000
- $100,000
For annual limits, Lemonade offers $5,000, $10,000, $20,000, $50,000, or $100,000 per year. Their reimbursement rates are either 70%, 80%, or 90% of the total cost of covered services. Again, the plan’s monthly cost changes based on what options you select for each of these.
Pumpkin vs Lemonade: Additional Perks
Pumpkin has a 10% multi-pet discount. They are a pet-exclusive insurance company and allow you to use any vet in the United States or Canada.
Lemonade offers a 5% multi-pet discount. They offer a 10% discount if you bundle other insurance services and a 5% annual discount. Lemonade also has a medical advice chat option and fast claim approval.
- Related Read: Lemonade vs Trupanion Pet Insurance: Pros, Cons & Verdict
Company Verdict: Which One Has the Edge?
Customer Service 📞
Edge: Lemonade
We’ll give Lemonade the edge here because they have the live chat feature. They also make it very easy to file claims and receive approval quickly through their app. Pumpkin is easy to contact but doesn’t have an app for filing claims, although it can be completed online. Both make it easy to receive quotes and sign up for insurance plans.
Price of Plans 💲
Even the highest option (reimbursement, annual limit, deductible) Lemonade plan was comparable in price to the lowest monthly price of a Pumpkin plan. The price increases if you add on options like exam-fee coverage and rehab, which are included in Pumpkin’s plans. Pumpkin’s wellness plan is cheaper than Lemonade’s preventative add-on but doesn’t cover as many services.
Areas of Coverage 🌐
Edge: Pumpkin
For the accident and illness plans, this one isn’t even close. Pumpkin has the most extensive coverage, including behavioral services, dental illness, and prescription food. They also cover many conditions that Lemonade won’t, including recurring conditions. If your puppy eats chocolate twice in one year, Pumpkin covers both, and Lemonade might not. They also cover “preventable conditions” if, for example, your dog isn’t vaccinated and catches a preventable disease. Pumpkin will pay to treat it, but Lemonade will not.
Perks📱
Lemonade offers more discounts and the convenience of bundling all your insurance in one place. They also have an app for you to submit claims and a medical advice chat. Pumpkin has a better multi-pet discount but no app, but they make it easy to submit claims online. Pumpkin covers any pet, regardless of age and breed, while Lemonade has some limitations.
Find The Best Pet Insurance Companies in 2023
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Conclusion
Of the two insurance plans, Pumpkin is more expensive per month but offers much more extensive coverage and a 90% reimbursement rate for all services. Lemonade is cheaper per month but could leave you paying out of pocket because of the things they don’t cover. Neither wellness plan is very extensive, but Lemonade covers more services than Pumpkin, although Pumpkin refunds 100% of theirs.
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Click to Compare Plans
Find The Best Pet Insurance Companies in 2023
Find The Best Pet Insurance Companies in 2023
Lemonade is the choice for those looking for cost-effective and convenient pet insurance for younger animals. Pumpkin offers more peace of mind because of what it covers, plus the consistent reimbursement. It also allows you to get full coverage for any pet, no matter their age, which Lemonade does not.
See also: Pumpkin Pet Insurance Review: Pros, Cons & Verdict
Sources
https://www.lemonade.com/pet https://www.pumpkin.care/
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Sources
https://www.lemonade.com/pet https://www.pumpkin.care/
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
- Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.
