Lemonade vs Trupanion pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-10-16).
The key differences
- Trupanion has an unlimited annual limit option; Lemonade tops out at $100,000.
- Exam fees: Lemonade — add-on; Trupanion — not covered.
- Trupanion uses a per-condition lifetime deductible; the other resets every year.
- Dental: Lemonade — add-on only; Trupanion — injury & disease.
- Trupanion can pay your vet directly at checkout.
Side by side
| Feature | Lemonade | Trupanion |
|---|---|---|
| Plan | Pet Health Insurance | Trupanion Policy |
| Price level | $ Budget | $$$ Premium |
| Reimbursement | 70/80/90% | 90% |
| Annual limit (max) | $100,000 | Unlimited |
| Deductible | Annual | Per condition |
| Exam fees | Add-on | Not covered |
| Dental | Add-on only | Injury & disease |
| Pays vet directly | No | Yes |
Show all rows
| Feature | Lemonade | Trupanion |
|---|---|---|
| Alternative therapy | Add-on | Add-on |
| Accident wait | 2 days | 5 days |
| Illness wait | 14 days | 30 days |
| Orthopedic wait | 6 mo | None extra |
| Wellness option | Yes | No |
| Multi-pet discount | Automatic multi-pet discount (amount not published) | None |
| Cured pre-existing | Not covered | Not covered |
| Enrollment age | Has an enrollment age limit that isn't published — confirm on a quote. | New policies up to age 14. |
| Availability | Not sold in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, Wyoming. | Sold in every state. |