Both Pumpkin pet insurance and Lemonade pet insurance plans include coverage for vet bills related to accidents and illnesses, but it’s important to understand the differences so you can find the perfect fit for you and your furry companion.
Compared to Pumpkin, Lemonade Pet can handle claims at lightning speed, offers more co-insurance options to choose from, and extra opportunities for discounts—including bundles.
Let’s get into the nitty gritty of how Pumpkin pet insurance stacks up to Lemonade Pet.
| Pumpkin pet insurance | Lemonade pet insurance | |
|---|---|---|
| Mobile app | No | Yes |
| Instant claims handling | No | Yes |
| Routine dental cleaning coverage | Yes, if you purchase a membership for their Wellness Club | Yes |
| Spaying and neutering coverage | Yes, if you purchase a membership for their Wellness Club | Yes |
| Co-insurance options (aka reimbursement rate) | 80% or 90% of eligible vet bills | 70%, 80%, or 90% of eligible vet bills |
| Annual coverage limit options | $5,000 to Unlimited | $5,000, $10,000, $20,000, $50,000, or $100,000 |
| Deductible options | $100, $250, $500, $1,000 annual deductible | $100, $250, $500 annual deductible |
| Waiting period for accidents | 14 days | No accident waiting period |
| Waiting period for illnesses | 14 days | 14 days |
| Waiting period for cruciate ligament disease | 14 days | 30 days for orthopedic conditions |
| Multi-pet discount | Yes | Yes |
| Additional insurance products | None | Renters, Homeowners, Car, Life |
| Bundle discount | No | Yes |
Pumpkin pet insurance claims vs. Lemonade
Pumpkin does not offer a mobile app, while the Lemonade app revolutionizes insurance and claims handling, making the process smoother and more user-friendly
Pumpkin doesn’t have a mobile app. You can only file claims online through Pumpkin’s website, or download a form to email them
On the flipside, Lemonade Pet elevates pet insurance through the power of AI and machine learning. The app is designed to streamline everything from getting a quote to filing a claim, turning what used to be a cumbersome process into an experience that’s quick and easy (and maybe even a little fun).
When you buy a Lemonade Pet policy—and any other Lemonade policy—you can customize your coverage details, all in the palm of your hand. The app’s intuitive design means you could spend less time figuring out your policy, and more time enjoying life with your furry friend.
Tech also helps process claims at lightning speed, with roughly 50% of pet claims being handled instantly and 80% of claims handled within 5 days.
Pumpkin pet insurance reviews
Lemonade’s app is loved by our customers, generating an app-store rating of 4.9 stars based on customer reviews. Pumpkin pet insurance doesn’t offer a mobile app.
Pumpkin pet insurance cost vs. Lemonade
The cost of pet insurance coverage can vary depending on several factors, including the amount and type of coverage you choose, the breed and age of your furry family member, where you live, and which pet health insurance provider you choose. Let’s take a look at how the average cost of pet insurance compares between Pumpkin and Lemonade.
| Pumpkin* | Lemonade | |
|---|---|---|
| Average monthly cost of dog insurance | $79 | $48 |
| Average monthly cost of cat insurance | $32 | $27 |
Pumpkin pet insurance coverage vs. Lemonade
Pumpkin focuses solely on pet insurance. Lemonade offers more than just pet insurance, so you can cover the things you care about in one place—and become eligible for bundle discounts
At Lemonade, we’re not just about keeping your furry friends happy and healthy, we’ve got your back on other fronts too. Think of us as your one-stop-shop for insurance needs— offering renters, homeowners, car, pet, and term life insurance.
When you bundle any combination of Lemonade policies together you’ll be eligible for savings on all of those policies. (With the exception of the term life insurance policy, but you’d still be eligible for a discount on your pet policy if you bundle life and pet.)
In addition to the obvious savings, you gain the convenience of accessing all your policies—and filing all claims—through a single, easy-to-use app.
Let’s say you bundle a pet insurance policy with a renters policy. You could see a drop in both of your premiums, making both essential coverages more affordable.
On the flip side, Pumpkin focuses solely on pet insurance, which means you might find yourself juggling multiple insurers or platforms for your other insurance needs, and you’d miss out on those sweet bundle discounts.
Pumpkin pet insurance does not offer coverage for routine dental cleanings or spaying and neutering on their policies, Lemonade does.
Pumpkin pet insurance offers a Preventative Essentials add-on to their base policies but the benefits are limited, covering annual wellness exams, vaccines, and parasite screening tests. However, Pumpkin has their Wellness Club, which offers more coverage for things like a routine dental cleaning, or spaying and neutering.
Pumpkin’s Wellness Club is a stand-alone product, meaning you cannot add it to a base accident or illness policy and will need to juggle two separate costs and products.
On the other hand, Lemonade Pet offers three preventative care package options that can be added on to your base accident and illness policy for your furry friend, including one that’s specially tailored for puppies and kittens.
There’s a good chance you’re already paying more out-of-pocket for your furry family member’s routine care than the cost of one of Lemonade’s preventative care packages, and the additional cost will simply be added to your base policy’s premium.
Adding preventative care to your pet insurance policy could help with paying for things like annual wellness exams, fecal or internal parasite tests, vaccines, bloodwork, routine dental cleanings, and flea/tick or heartworm medication. And for our puppy and kitten parents, we put together a special package that includes coverage for things like a spay/neuter procedure, microchipping, and the extra rounds of vaccines needed for a growing pet.
Pumpkin pet insurance has one waiting period for all conditions. Lemonade has no waiting period for accident coverage, so your pet is protected from the unexpected from day one
In most states, Pumpkin only has a standard 14-day waiting period for all conditions, including accidents, illnesses, and orthopedic conditions.
A waiting period is a term found in all pet insurance policies. It refers to the amount of time your pet insurer requires you to wait until your pet is eligible for reimbursement on specific conditions through your pet insurance coverage.
At Lemonade, we understand that accidents are unexpected and can happen at any moment. That’s why in most states pets insured with Lemonade receive accident coverage the day their policy goes into effect—at 12:01 AM the day after purchase.
Picture this: You’ve just brought home a playful kitten from the shelter and decide to get pet insurance to keep them safe. The next day, your curious new buddy gets into trouble—falls off the counter and breaks their leg. Ouch. Luckily, you went with Lemonade for your coverage, so your kitten’s accident is covered up to your policy limits right from the first day of coverage.
Click below to start your free Lemonade pet insurance quote. It’s easy to build, and easy to compare.
Tips for comparing pet insurance plans
Finding the right pet insurance for you and your fur fam depends a lot on your priorities, whether that’s finding the most comprehensive coverage, the cheapest rates, a hassle-free digital experience, and so much more.
Let’s swing through some of the main factors that might be important to you when choosing a pet insurance provider, and some questions to consider for each.
Coverage options
Base pet insurance plans typically cover the treatment of eligible accidents and illnesses. Check the specifics of what’s covered under a base policy, the waiting periods for certain conditions, and exclusions. Also look for how customizable the policy is and what optional coverages are offered—like preventative care, and add-ons.
Balance between cost and coverage
The scope of what’s included in the price of a base pet insurance plan can vary widely among providers, and might require a more intricate comparison. Carefully examine the premiums, deductibles, and co-insurance offered by each provider, then compare it to the range of healthcare services covered, and what you might end up needing to pay if you file a claim.
Discounts and perks
Who doesn’t love saving some greens, or making life as a pet parent a tad simpler? Some pet insurance providers—including Lemonade—offer discounts for things like insuring multiple pets and bundling policies, as well as extra perks, like access to Chewy’s Connect with a Vet service.
Option to bundle
Some providers only offer pet insurance plans, while others can cover all the things you care about in one place—like your stuff, your car, and your pets. For example, when you bundle more than one Lemonade policy such as renters, homeowners, car, or pet insurance, you could be eligible for a discount on each policy, on top of enjoying the ease of managing all of your policies, and filing any claims, in one place (we’re talking about the Lemonade app).
Seamless experience
From building a quote, to managing your policy, to filing a claim—remember that insurance doesn’t need to be a hassle. Some insurance companies—including Lemonade—built their platforms with user-friendliness in mind, ensuring that each step is straightforward and stress-free for pet parents.
Customer reviews
Getting the inside scoop from the pet parent community about their experiences with their pet insurance provider can help you make a more informed choice. Websites like Consumer Reports, Better Business Bureau (BBB), NerdWallet are reputable sources for customer reviews and rankings of pet insurance companies. (Did we mention that the Lemonade app has a 4.9 star rating on the App Store?)
Social impact
Choosing a pet insurance that vibes with your values is the cherry on top of an awesome policy sundae. Some providers support causes you care about such as animal rescue shelters and animal rights organizations—like the Lemonade Giveback, which helps support organizations like SPCA International and The Humane Society.
FAQs
What are the waiting periods for Pumpkin pet insurance?
Pumpkin pet insurance has a 14-day waiting period for all accidents and illnesses. Just a refresher, a waiting period is a term found in all pet insurance policies, referring to the amount of time your pet insurer requires you to wait until your pet is eligible for reimbursement on specific conditions through your pet insurance coverage.
How can I cancel a Pumpkin pet insurance policy?
If you want to cancel your Pumpkin pet insurance policy, you’ll need to contact the company through traditional channels, such as calling their customer service team or emailing them, in order to process the cancellation.
Can I go to any vet with Pumpkin pet insurance?
Yes, Pumpkin allows pet owners to visit any licensed veterinarian in the U.S.
Does pumpkin pet insurance cover pre-existing conditions?
No, Pumpkin does not offer coverage for pre-existing conditions. Other items that they won’t cover include elective or cosmetic procedures, such as tail-docking or ear-cropping, breeding costs, and herbal supplements.
Will Pumpkin pet insurance pay my vet directly?
No, Pumpkin pet insurance works on a reimbursement basis. This means, that you’ll need to pay your vet bill up front, and then submit your receipt for reimbursement when you file a claim.
How does Pumpkin dog insurance compare to Lemonade?
While both Pumpkin and Lemonade offer comprehensive coverage for dogs, coverage differs in some key areas. The Lemonade app is designed to streamline everything from getting a quote to filing a claim, whereas Pumpkin doesn’t have a mobile app. Plus, in most states Lemonade has no waiting period for accidents, whereas Pumpkin requires 14 days.
*Average cost of Pumpkin pet insurance sourced from MarketWatch accessed June, 2025. https://www.marketwatch.com/insurance-services/pet-insurance/pumpkin-pet-insurance-review/
Comparison information is provided using publicly available information as of June 2025 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected].
This product information is for descriptive purposes only and does not provide a complete summary of any company’s coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.
For the full terms of Lemonade pet Insurance policies visit https://www.lemonade.com/pet. Products and rates may vary and are subject to change. Discounts may vary and are subject to change.
Residents of DE, LA, ME, MS, NE, NH, WA, will receive an Insurer Disclosure of Important Policyholder Provisions in the quote flow and policy documents.
Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251.
Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.
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