Healthy Paws vs Lemonade pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
Key differences
- › Healthy Paws has an unlimited annual limit option; Lemonade tops out at $100,000.
- › Exam fees: Healthy Paws — not covered; Lemonade — add-on.
- › Dental: Healthy Paws — accidents only; Lemonade — add-on only.
| Healthy Paws | Lemonade | |
|---|---|---|
| Plan | Accident & Illness Plan | Pet Health Insurance |
| Reimbursement | 70/80/90% | 70/80/90% |
| Annual limit (max) | Unlimited | $100,000 |
| Deductible | Annual | Annual |
| Exam fees | Not covered | Add-on |
| Dental | Accidents only | Add-on only |
| Alternative therapy | Included | Add-on |
| Pays vet directly | No | No |
| Accident wait | 15 days | 2 days |
| Illness wait | 15 days | 14 days |
| Orthopedic wait | 12 mo | 6 mo |
| Wellness option | No | Yes |
| Multi-pet discount | None | Automatic multi-pet discount (amount not published) |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | New policies up to age 13. | 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. |
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