Pumpkin vs. Lemonade Pet Insurance coverage 2022: Execs, Cons & Verdict

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Pumpkin vs Lemonade Pet Insurance

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With the cost of veterinary care skyrocketing together with what looks as if the whole lot else, a pet insurance coverage coverage may help cut back the cash worries accompanying pet possession. Pumpkin and Lemonade are two pet insurance coverage firms that supply straightforward enrollment, quick declare service, and optionally available preventative wellness plans.

On this article, we’ll evaluate the small print of those two pet insurance coverage firms that can assist you resolve which makes probably the most sense for you. We’ll have a look at the varieties of plans out there, what they cowl, how the claims course of works, any exclusions, and what added perks every firm gives.


A Fast Comparability

Firm TitlePumpkinLemonade
Pets CoatedCanine and catsCanine and cats
Sorts of PlansAccident and sickness,

Elective preventative wellness add-on

Accident and sickness,

Elective preventative wellness add-on

DeductiblesAnnual deductible, versatile pricingAnnual deductible, versatile pricing
Reimbursement90% of coated paymentsVaries, 70%, 80%, or 90% of coated payments
Extra PerksMulti-pet low costMulti-pet low cost, bundle low cost, annual low cost

Temporary Overview of Pumpkin

Pumpkin Pet Insurance

Pumpkin is a pet-exclusive insurance coverage firm that gives accident and sickness protection for canines and cats, with no breed exclusions or higher age limits. With Pumpkin, you may take your pet to any licensed vet within the U.S. or Canada. The corporate gives a flat reimbursement price for all coated companies as soon as the annual deductible is met.

With Pumpkin, all coated situations have the identical 14-day ready interval for companies to kick in. The corporate gives versatile reimbursement choices, together with direct cost to your veterinarian. Pumpkin goals to make it straightforward to know what’s coated and what isn’t, with no pre-condition deductibles or preventative care necessities.

Whereas Pumpkin insurance coverage don’t cowl elective procedures or preventative care, they provide an optionally available wellness add-on that reimburses a certain quantity of preventable care annually. The corporate doesn’t cowl pre-existing situations.

Temporary Overview of Lemonade

lemonade pet insurance logo

Lemonade is a standard insurance coverage firm that gives protection for pets alongside auto, renter’s, householders, and life insurance coverage. This enables pet homeowners the comfort of bundling their insurance coverage companies. At present, Lemonade pet insurance coverage is simply out there in 36 states, and reductions and choices are usually not coated in each location.

Lemonade gives quite a lot of accident and sickness plans, with quite a few add-ons and versatile reimbursement quantities. Ready intervals for protection range based mostly on situation, from as little as 2 days for accidents to six months for knee ligament tears. Protection is capped at a sure age, which additionally varies by breed and the pet’s life expectancy.

Like Pumpkin, Lemonade gives the choice of including a preventative wellness package deal, which reimburses procedures akin to heartworm exams and vaccines. In addition they present a pet and kitten-specific package deal that covers spaying or neutering.

Lemonade options quick declare approvals and reimbursements direct deposited into your checking account. Pre-existing situations are usually not coated.


Pumpkin vs Lemonade: Plans Out there

Pumpkin and Lemonade supply accident and sickness plans, which means they cowl emergencies, sicknesses, and accidents, however not elective procedures or preventative care. Each firms supply further wellness add-on packages, with Lemonade providing one particularly for puppies and kittens. Pumpkin’s plans can be found to all pets over 8 weeks outdated, whereas Lemonade’s out there plans and protection range by the pet’s age.


Pumpkin has an accident and sickness plan masking diagnostics, emergency procedures, hospitalizations, non-elective surgical procedures, and drugs. Examination charges, together with sick visits, are coated at no further value. Pumpkin additionally covers bodily remedy, various therapies, prescription meals, and behavioral companies.

Persistent situations, preventable situations, asymptomatic situations, dental sickness, and recurring situations are all coated underneath Pumpkin’s plan.

Pumpkin’s preventative wellness package deal is accessible for a further price. It covers the complete value of an annual examination, fecal verify, heartworm take a look at, and 1–4 annual pictures relying on the age and kind of pet you have got.


Lemonade gives an accident and sickness plan masking diagnostics, drugs, hospitalizations, and non-elective surgical procedures. Examination charges are usually not coated underneath the essential plan however as an add-on for a further cost. Bodily remedy can be solely coated underneath an add-on.

Lemonade’s plans don’t cowl behavioral points, preventable situations, dental sickness, recurring situations, asymptomatic situations, or prescription diets.

The corporate gives two wellness packages, masking 5 to seven routine companies, together with annual exams, vaccines, fecal exams, screening bloodwork, dental cleansing, and parasite management.

Pumpkin vs Lemonade: Reimbursements and Deductibles

woman filling up pet insurance form
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Each Pumpkin and Lemonade have numerous deductible choices and annual protection limits. Pumpkin reimburses all coated companies at 90% whatever the plan. Lemonade’s reimbursement price varies based mostly on the policie chosen.


Pumpkin gives $100, $250, or $500 annual deductibles, with decrease choices growing the plan’s month-to-month value. Their annual protection restrict choices are $7,000, $15,000, or limitless. The higher coverage plans value extra per thirty days.

All coated companies are reimbursed at 90% throughout the board: payable by verify, direct deposit, or on to your veterinarian.


Lemonade additionally gives $100, $250, or $500 annual deductibles. The deductible chosen modifications the month-to-month value of the plan but additionally is dependent upon the reimbursement price and annual restrict chosen.

For annual limits, Lemonade gives $5,000, $10,000, $20,000, $50,000, or $100,000 per 12 months. Their reimbursement charges are both 70%, 80%, or 90% of the whole value of coated companies. Once more, the plan’s month-to-month value modifications based mostly on what choices you choose for every of those.

Pumpkin vs Lemonade: Extra Perks


Pumpkin has a ten% multi-pet low cost. They’re a pet-exclusive insurance coverage firm and assist you to use any vet in the USA or Canada.


Lemonade gives a 5% multi-pet low cost. They provide a ten% low cost if you happen to bundle different insurance coverage companies and a 5% annual low cost. Lemonade additionally has a medical recommendation chat possibility and quick declare approval.

Pumpkin vs Lemonade: Abstract of Execs & Cons

senior border collie dog with pet insurance form
Picture Credit score: Pixsooz, Shutterstock

Each Pumpkin and Lemonade supply related plans, with comparable annual deductibles. Every has separate professionals and cons, nonetheless.


  • Use any licensed vet in the USA or Canada
  • 90% reimbursement on all companies
  • Wellness add-on out there
  • Intensive service protection at no added value, together with rehab, examination charges, prescription meals, behavioral companies
  • No age cap on protection
  • 14-day ready interval for all situations
  • Increased value per thirty days total
  • Wellness plan doesn’t cowl annual blood work


  • Decrease month-to-month value total
  • Skill to bundle insurance coverage for comfort and additional financial savings
  • Wellness plans cowl extra companies, together with spaying and neutering for pets underneath 2 years outdated
  • Medical recommendation chat out there
  • Quick declare approval and hassle-free reimbursement
  • Solely out there in 36 states
  • Doesn’t cowl as many situations as Pumpkin
  • Prolonged ready intervals for a lot of situations
  • Variable reimbursement for insurance coverage and wellness plans


Firm Verdict: Which One Has the Edge?

couple with a dog getting a pet insurance
Picture Credit score: Drazen Zigic, Shutterstock

Buyer Service

Edge: Lemonade

We’ll give Lemonade the sting right here as a result of they’ve the reside chat function. In addition they make it very straightforward to file claims and obtain approval shortly via their app. Pumpkin is straightforward to contact however doesn’t have an app for submitting claims, though it may be accomplished on-line. Each make it straightforward to obtain quotes and join insurance coverage.

Worth of Plans

Edge: Lemonade

Even the best possibility (reimbursement, annual restrict, deductible) Lemonade plan was comparable in value to the bottom month-to-month value of a Pumpkin plan. The worth will increase if you happen to add on choices like exam-fee protection and rehab, that are included in Pumpkin’s plans. Pumpkin’s wellness plan is cheaper than  Lemonade’s preventative add-on however doesn’t cowl as many companies.

Areas of Protection

Edge: Pumpkin

For the accident and sickness plans, this one isn’t even shut. Pumpkin has probably the most intensive protection, together with behavioral companies, dental sickness, and prescription meals. In addition they cowl many situations that Lemonade received’t, together with recurring situations. In case your pet eats chocolate twice in a single 12 months, Pumpkin covers each, and Lemonade may not. In addition they cowl “preventable situations” if, for instance, your canine isn’t vaccinated and catches a preventable illness. Pumpkin can pay to deal with it, however Lemonade won’t.


Edge: Lemonade

Lemonade gives extra reductions and the comfort of bundling all of your insurance coverage in a single place. In addition they have an app so that you can submit claims and a medical recommendation chat. Pumpkin has a greater multi-pet low cost however no app, however they make it straightforward to submit claims on-line. Pumpkin covers any pet, no matter age and breed, whereas Lemonade has some limitations.



Of the 2 insurance coverage, Pumpkin is costlier per thirty days however gives way more intensive protection and a 90% reimbursement price for all companies. Lemonade is cheaper per thirty days however may depart you paying out of pocket due to the issues they don’t cowl. Neither wellness plan could be very intensive, however Lemonade covers extra companies than Pumpkin, though Pumpkin refunds 100% of theirs.

Lemonade is the selection for these searching for cost-effective and handy pet insurance coverage for youthful animals. Pumpkin gives extra peace of thoughts due to what it covers, plus the constant reimbursement. It additionally lets you get full protection for any pet, irrespective of their age, which Lemonade doesn’t.

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