Trupanion vs. Lemonade
at a glance.
Both plans cover accidents and illness as a foundation. But when it comes to flexibility, discounts, and what you can actually build around your pet, the gap between the two is pretty significant.
| Trupanion | Lemonade | |
|---|---|---|
| Waiting periods | 5 days for injuries 30 days for illnesses | No accident waiting period 14-day illness waiting period 30-day orthopedic condition waiting period |
| Option to waive waiting periods | Yes | Yes |
| Claims Speed | 14 days | 50% of claims handled instantly |
| Reimbursement limits | Unlimited | Annual limits ranging from $5,000 to $100,000 |
| Co-insurance (reimbursement rate) | 90% | Option of 70%, 80%, or 90% |
| Deductible | Per condition lifetime deductibles: options of $0 to $1,000 | Annual deductible: Options between $250 to $1,000 |
| Dental coverage | Included in base | Add-on available |
| Behavioral coverage | Included in base | Add-on available |
| Exam fee coverage | No coverage | Add-on available |
| Physical therapy coverage | No coverage | Add-on available |
| Discounts | No discounts | Multi-pet discount: up to 10% Bundle discount: up to 10% Annual payment discount: 5% |
What is the waiting period difference between Trupanion and Lemonade
(and why does it matter)?
Both Trupanion and Lemonade have waiting periods before coverage for accidents and illnesses kicks in, but Lemonade has shorter WP.
Both policies offer the option to waive waiting periods, as well, but the processes are different.