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