Key Differences
Lemonade has a shorter accident waiting period than Pumpkin.
Pumpkin's lowest reimbursement rate option is 80%, Lemonade's is 70%.
Lemonade has a claims submission app, Pumpkin does not.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Lemonade and Pumpkin offer.
 |
 |
|
|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
105,650 |
1,786 |
Deductible: |
$100, $250, $500, or $750 |
$100, $250, $500, and $1,000 |
Reimbursement: |
70%, 80%, or 90% |
80% or 90% |
Annual Limit: |
$5,000 to $100,000 |
$5,000 to Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
None |
14 days |
Illness Waiting Period: |
14 days |
14 days |
Wellness Waiting Period: |
0 days |
0 |
Orthopedic Waiting Period: |
30 days |
14 days |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Optional |
Dental Coverage: |
Optional |
Limited Coverage |
Exam Fee Coverage: |
Additional Cost |
Yes |
Direct Vet Pay: |
No |
No |
Claims Expiration: |
Within 180 days from the date of treatment** |
Within 270 days of treatment |
Claims Submission App: |
Yes |
No |
Lemonade Accident and Illness Coverage
Lemonade offers a base accident and illness plan you can configure reimbursement rate, deductible, and annual limit to fit your budget and needs. Plus, you can choose to add additional coverage to the base plan.
Deductible Options
$100, $250, $500, or $750
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$5,000, $10,000, $20,000, $50,000, or $100,000
What's Covered
Accidents
Diagnostics
Emergency Care
Hospitalization
Illnesses
Prescription Medication
Procedures
Specialty Care
Surgery
X-rays
Optional Coverage Add-Ons
Visit Fees
Dental Illness
Behavioral Conditions
Physical Therapy
End-Of-Life and Remembrance
Optional Wellness Coverage Add-Ons
Lemonade offers optional wellness coverage add-ons to supplement your base insurance plan. With this type of coverage, you can get reimbursed up to a certain amount for select routine and preventative care.
Preventative Care
Here’s what can be covered with Lemonade's Preventative Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Preventative+ Care
Here’s what can be covered with Lemonade's Preventative+ Care optional add-on*:
1 Wellness Exam
3 Vaccines
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Routine Dental Cleaning
Puppy and Kitten Preventative Care
You can only add Lemonade's Puppy/Kitten Preventative Care add-on if your pet is under two years old.
2 Wellness Exams
Fecal or Internal Parasite Test
Bloodwork
Heartworm or FeLV/FIV Test
Flea/Tick or Heartworm Medication
Spay/Neuter Procedure
Microchip
*Exact preventative coverage and item limits amounts vary by state. Please review options before purchase and read your policy details.
Pumpkin Accident and Illness Coverage
Pumpkin offers accident and illness coverage you can configure your annual coverage limit, deductible, and reimbursement rate to fit your budget and needs.
Deductible Options
$100, $250, $500, or $1,000
Reimbursement Options
80% or 90%
Annual Limit Options
$5,000, $10,000, $20,000, or Unlimited Annual Limit
What's Covered
Accidents
Alternative Therapy
Behavioral Issues
Cancer Coverage
Congenital Conditions
Diagnostics
Emergency Care
Hospitalization
Hereditary Conditions
Illnesses
Prescription Pet Food
Prescription Medications
Supplements
Surgery
Tooth extractions
Microchip Implantation
Orthopedic Illnesses
Veterinary Treatment
While this is a general overview, each claim is unique and subject to terms and conditions. For full details please visit pumpkin.care/insurancepolicy.
Optional Wellness Add-On
Pumpkin offers two optional wellness coverage add-ons to their accident and illness plan. You can enroll your cat or dog in an Essential or Premium Plan to be reimbursed up to your yearly limit on select preventative and routine care.
Essential Plan for Dogs
Wellness Exams
Vaccination
Fecal Test
Routine Bloodwork
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Dogs
Everything in the Essential Plan is covered, plus:
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Essential Plan for Cats
Wellness Exams
Vaccinations
Fecal Test
Unlimited PawSupport 24/7 Pet Health Helpline
Access to Discounts on Top Pet Brands
Premium Plan for Cats
Everything in the Essential Plan is covered, plus:
Routine Bloodwork
Tick, Flea, and Heartworm Prevention
Spay/Neuter Procedure OR Routine Dental Cleaning
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Lemonade and Pumpkin.
Lemonade Claims Details
Lemonade Pet Insurance has a unique claims experience. Using their app, you will select the reason for your claim, upload invoices and receipts then record a confidential video explaining the treatment and other claim details. You have 180 days from the date of treatment (if you live in Texas, you have 90 days) to file.
Direct deposit option for receiving reimbursements
Convenient and tech-savvy claim submission on mobile app
Responsive claims customer service
Pumpkin Claims Details
You can use Pumpkin’s website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 270 days of treatment. Pumpkin also offers an urgent pay service, PumpkinNow™, to speed up high-cost urgent care on eligible claims.
Offers an urgent pay service that expedites claims and estimates for urgent care of $1,000 or more. This could give you up to 90% cash back in as little as 15 minutes, before you leave the vet*.
Offers direct deposit as a reimbursement option.
Claims processing times will vary depending on your specific case. With PumpkinNow™, you can get paid before you pay for eligible urgent care.
Our Lemonade vs. Pumpkin Review
Lemonade and Pumpkin offer coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Both insurers offer an optional wellness coverage add-on. As for coverage, Pumpkin offers more extensive coverage in its base plan for costs and services that Lemonade offers add-on coverage for. Both insurers offer options for deductibles, reimbursement rates, and annual limits. However, Pumpkin has fewer reimbursement rate options than Lemonade. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
