Pumpkin vs. Lemonade Pet Insurance coverage 2022: Professionals, 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 like the whole lot else, a pet insurance coverage coverage may also help scale back the cash worries accompanying pet possession. Pumpkin and Lemonade are two pet insurance coverage corporations that provide simple enrollment, quick declare service, and non-compulsory preventative wellness plans.

On this article, we’ll examine the small print of those two pet insurance coverage corporations that can assist you resolve which makes essentially the most sense for you. We’ll have a look at the forms of plans accessible, what they cowl, how the claims course of works, any exclusions, and what added perks every firm provides.


A Fast Comparability

Firm Identify Pumpkin Lemonade
Pets Coated Canines and cats Canines and cats
Forms of Plans Accident and sickness,

Non-obligatory preventative wellness add-on

Accident and sickness,

Non-obligatory preventative wellness add-on

Deductibles Annual deductible, versatile pricing Annual deductible, versatile pricing
Reimbursement 90% of lined payments Varies, 70%, 80%, or 90% of lined payments
Further Perks Multi-pet low cost Multi-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 provides a flat reimbursement fee for all lined providers as soon as the annual deductible is met.

With Pumpkin, all lined situations have the identical 14-day ready interval for providers to kick in. The corporate provides versatile compensation choices, together with direct fee to your veterinarian. Pumpkin goals to make it simple to know what’s lined and what isn’t, with no pre-condition deductibles or preventative care necessities.

Whereas Pumpkin insurance policy don’t cowl elective procedures or preventative care, they provide an non-compulsory wellness add-on that reimburses a specific amount of preventable care every year. The corporate doesn’t cowl pre-existing situations.

Temporary Overview of Lemonade

lemonade pet insurance logo

Lemonade is a conventional insurance coverage firm that gives protection for pets alongside auto, renter’s, householders, and life insurance policy. This permits pet homeowners the comfort of bundling their insurance coverage providers. At the moment, Lemonade pet insurance coverage is simply accessible in 36 states, and reductions and choices usually are not lined in each location.

Lemonade provides a wide range of accident and sickness plans, with quite a few add-ons and versatile reimbursement quantities. Ready durations for protection fluctuate 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 provides the choice of including a preventative wellness bundle, which reimburses procedures comparable to heartworm exams and vaccines. Additionally they present a pet and kitten-specific bundle that covers spaying or neutering.

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


Pumpkin vs Lemonade: Plans Out there

Pumpkin and Lemonade supply accident and sickness plans, that means they cowl emergencies, diseases, and accidents, however not elective procedures or preventative care. Each corporations 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 accessible plans and protection fluctuate by the pet’s age.


Pumpkin has an accident and sickness plan protecting diagnostics, emergency procedures, hospitalizations, non-elective surgical procedures, and drugs. Examination charges, together with sick visits, are lined at no additional price. Pumpkin additionally covers bodily remedy, various therapies, prescription meals, and behavioral providers.

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

Pumpkin’s preventative wellness bundle is accessible for an extra price. It covers the total price of an annual examination, fecal verify, heartworm take a look at, and 1–4 annual photographs relying on the age and sort of pet you have got.


Lemonade provides an accident and sickness plan protecting diagnostics, drugs, hospitalizations, and non-elective surgical procedures. Examination charges usually are not lined underneath the fundamental plan however as an add-on for an extra cost. Bodily remedy can be solely lined 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 provides two wellness packages, protecting 5 to seven routine providers, 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
Picture Credit score: Rawpixel.com, Shutterstock

Each Pumpkin and Lemonade have varied deductible choices and annual protection limits. Pumpkin reimburses all lined providers at 90% whatever the plan. Lemonade’s reimbursement fee varies based mostly on the policie chosen.


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

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


Lemonade additionally provides $100, $250, or $500 annual deductibles. The deductible chosen modifications the month-to-month price of the plan but in addition is determined by the reimbursement fee and annual restrict chosen.

For annual limits, Lemonade provides $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 overall price of lined providers. Once more, the plan’s month-to-month price modifications based mostly on what choices you choose for every of those.

Pumpkin vs Lemonade: Further 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 america or Canada.


Lemonade provides a 5% multi-pet low cost. They provide a ten% low cost when you bundle different insurance coverage providers and a 5% annual low cost. Lemonade additionally has a medical recommendation chat choice and quick declare approval.

Pumpkin vs Lemonade: Abstract of Professionals & 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 execs and cons, nevertheless.


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


  • Decrease month-to-month price general
  • Capability to bundle insurance coverage for comfort and additional financial savings
  • Wellness plans cowl extra providers, together with spaying and neutering for pets underneath 2 years outdated
  • Medical recommendation chat accessible
  • Quick declare approval and hassle-free reimbursement
  • Solely accessible in 36 states
  • Doesn’t cowl as many situations as Pumpkin
  • Prolonged ready durations 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 dwell chat characteristic. Additionally they make it very simple to file claims and obtain approval rapidly 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 simple to obtain quotes and join insurance policy.

Worth of Plans

Edge: Lemonade

Even the very best choice (reimbursement, annual restrict, deductible) Lemonade plan was comparable in value to the bottom month-to-month value of a Pumpkin plan. The value will increase when you 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 providers.

Areas of Protection

Edge: Pumpkin

For the accident and sickness plans, this one isn’t even shut. Pumpkin has essentially the most in depth protection, together with behavioral providers, dental sickness, and prescription meals. Additionally they cowl many situations that Lemonade gained’t, together with recurring situations. In case your pet eats chocolate twice in a single 12 months, Pumpkin covers each, and Lemonade won’t. Additionally they cowl “preventable situations” if, for instance, your canine isn’t vaccinated and catches a preventable illness. Pumpkin pays to deal with it, however Lemonade is not going to.


Edge: Lemonade

Lemonade provides extra reductions and the comfort of bundling all of your insurance coverage in a single place. Additionally 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 simple to submit claims on-line. Pumpkin covers any pet, no matter age and breed, whereas Lemonade has some limitations.



Of the 2 insurance policy, Pumpkin is costlier per thirty days however provides far more in depth protection and a 90% reimbursement fee for all providers. Lemonade is cheaper per thirty days however might go away you paying out of pocket due to the issues they don’t cowl. Neither wellness plan may be very in depth, however Lemonade covers extra providers than Pumpkin, though Pumpkin refunds 100% of theirs.

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

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