ASPCA Pet Health Insurance vs Lemonade pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- ASPCA Pet Health Insurance has an unlimited annual limit option; Lemonade tops out at $100,000.
- Exam fees: ASPCA Pet Health Insurance — covered; Lemonade — add-on.
- Dental: ASPCA Pet Health Insurance — injury & disease; Lemonade — add-on only.
- ASPCA Pet Health Insurance can cover a cured pre-existing condition; the other can't.
Side by side
| Feature | ASPCA Pet Health Insurance | Lemonade |
|---|---|---|
| Plan | Complete Coverage | Pet Health Insurance |
| Price level | $$ Mid-range | $ Budget |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | Unlimited | $100,000 |
| Deductible | Annual | Annual |
| Exam fees | Covered | Add-on |
| Dental | Injury & disease | Add-on only |
| Pays vet directly | No | No |
Show all rows
| Feature | ASPCA Pet Health Insurance | Lemonade |
|---|---|---|
| Alternative therapy | Included | Add-on |
| Accident wait | 14 days | 2 days |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | None extra | 6 mo |
| Wellness option | Yes | Yes |
| Multi-pet discount | 10% for each additional pet | Automatic multi-pet discount (amount not published) |
| Cured pre-existing | Can be covered | Not covered |
| Enrollment age | No maximum enrollment age. | Has an enrollment age limit that isn't published — confirm on a quote. |
| Availability | Sold in every state. | Not sold in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, Wyoming. |