Top 5 Pet Insurances To Make It Easy, Quick, And Affordable

There is nothing worse that could happen than if our beloved pet got hurt and we’d be in a dilemma whether we can afford to help or not. But since the love we have for our pets is so deep, it would be nice if we didn’t have to sell our house.

There is a lot of coverage available today but prices have rapidly increased since 2016.

And since it’s hard to know which pet insurance is best, and since the different choices and programs can be confusing, we decided to do the job for you.

We have reviewed and tested 2023’s most popular pet insurances and compared the big brands to the smaller companies to see which ones are truly the best. So everyone can have their pets insured.

Our testing revealed that one insurance company recently added pet insurances to their arsenal and is getting overwhelmed with 5-star reviews for their quick, easy-to-use, and affordable insurance.

Here are our Top 5 Picks this year, with a full review of our top pick at the bottom of the page:

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Thanks to its AI service and customizable coverage, Lemonade is one of the cheapest options available.


Lemonade is so customizable that you can get precisely the coverage your pet needs. Add a wellness program, choose the percentage of bills paid by Lemonade, or get a visit vet fee coverage.


Fast payment of clams with the world record of 3 seconds handling time! File claims directly on your phone with Lemonade’s super easy-to-use app.

We Bought & Tested The Most Popular Pet Insurances, Here’s Why Lemonade Is #1

He looked this goofy before he had the TIA so don’t worry 😂

It was last year that my dog had a TIA, commonly known as a mini-stroke.

It was horrible, but it went ok. After that, I’m always worried if he as much as sneezes in the wrong direction.

I had pet insurance at that time, not that it mattered, I was willing to throw my entire life savings at the moment.

However, I almost had to. The insurance I had was a mess to handle.

In the end, I had to pay a big lofty deductible and the follow-up treatment wasn’t even covered.

So whenever I get worried I have this awful debate whether the cough or burp or sneeze is a cry for help or his lack of interest to go out is because of the weather or if he’s critically ill.

I’m not joking. I hate that my dog can’t speak! If only we had those translating collars from the movie UP.

The point is, I looked for the cheapest insurance that would also cover the most.

Just so that I wouldn’t have to be in the position of thinking “should I take him in?”

Through my research, Lemonade stood out like a sore thumb!

And I’m so happy I did, since I got Lemonade I’ve gotten reimbursed immediately when I filed a claim. Since they have an AI that looks through the submission first you get an instant response as long as you’ve filed it correctly.

So in my case, I had 80% of my bill reimbursed 10 minutes after I left the Vet!

Money that I desperately needed later the very same week.

IN SUMMARY: Lemonade is the fastest, easiest, and most agile pet insurance.

Signing Up

When I found Lemonade, it was super easy to sign up. It literally took me 3 minutes.

I simply had to enter his name, breed, size, age, and previous medical history.

After that, I could choose what coverage plan I wanted.

This is what their standard accident and illness coverage looks like:

In addition to the Standard cover, I also got the Vet visit fees for only $6.48 per month.

I found it nice and relaxing to have since it would surely save me the dilemma of whether a symptom is worth checking up on or not.

But there are more programs that could save you and your pet a lot of pain.

Preventive care for instance is a wonderful option that is rarely offered by other insurance companies.

In total, I saved a lot compared to my previous insurance!

With the vet visit fees added I only had to pay $23.33 per month!

And if I wanted to take it annually it would come down to $255, which is $25 cheaper.

*The quota you see is based on my 20pound 2-year-old mixed breed in good health. Coinsurance: 80%, deductible: The $250, annual limit: $20.000.

How Does It Work?

Well, 3 months ago I had the unfortunate opportunity to test how it works to file a claim with Lemonade, and it was surprisingly easy.

I could do everything on the app on my phone and I got an immediate response.

It might seem scary to take a blood sample by yourself in the morning at home, but thanks to the testing kit and easy-to-understand instructions, it turns out to be quite undramatic even for me who freaks out at the thought of blood.

I’d been shopping and as I was unpacking my groceries my dog had stolen a chocolate bar! I only found some shredded silver foil but immediately understood what had happened.

No question about it. My dog was in danger as chocolate is lethal to dogs.

We went to the vet and he got his stomach pumped.

File Claims Quick & Easy

It would have cost me $5,000 for the whole ordeal.

But since this is considered a covered accident, I only had to pay The $3,750.

And as I previously mentioned, I had the money back in my account before I even got home!

That’s how quick and easy the AI works!

*This example is taken from the Lemonades signup page.

And what’s great about Lemonade is that if my dog gets sick or injured later this year, Lemonade will still pay the full 80%, up to the annual limit which in my case is set to $20.000.

Because Lemonade is only deductible ONCE per year!

Brutally generous in my opinion!

Customizable Coverage

And one thing that is completely mind blowing with Lemonade‘s pet insurance is that you can customize the percentage of how much you want Lemonade to pay: 70% 80% or 90%.

The maximum amount that they can pay is at $20.000 for me, but you can set it at: $ 5.000, $10.000, $20.000 or $50.000.

You can even change the deductible from $100, $200 to $500.


I can’t really grasp how great this insurance is.

We all know our dogs won’t outlive us, so the day that they get old and scrumpy will come. But with Lemonade Pet Insurance I know that I can do whatever it takes to take care of my beautiful friend who’s given me so much unconditional love.

I don’t have to worry about anything since I have the Vet visit fee program.

But mostly, I recommend this to anybody who isn’t too experienced with pets as the preventive and wellness package is a God-sent to keep tabs on your dog’s health and wellbeing.

Lastly, Lemonade is the only pet insurance with only a two day waiting period for accidents where other insurance companies have up to 14 days!

So with Lemonade, you get your Claims paid quickly, easily, and cheaply!

How To Get Lemonade Pet Insurance?

  1. Make sure to order from the official website linked here
  2. Submit information about your pet/pets
  3. Choose the coverage you want
  4. Enjoy a happy, healthy, and worry-free life with your pet!

Common Questions & Answers

Q: What are the waiting periods?

Like all pet insurers, we have waiting periods before certain coverage kicks in – 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. But if you opted for our preventative package, you can use the benefits in that package the day after you purchased the policy!

Q: How will I get paid for a claim?

We’ll ask you to enter your bank account information as part of submitting your claim in the Lemonade app. Once it’s approved, we’ll issue payment directly into your account.

Q: Can I go to any vet?

You can go to any vet you like in the US. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game.

Q: What type of animals can I insure?

Dogs and cats.

Q: Can you cancel lemonade insurance anytime?

You can cancel your policy at any time through the Lemonade app or website and receive a refund for the remaining period you’ve paid for.

How Much Does It Cost?

Normally, a broad coverage of this class goes for up to $50-$60 per month, so one would expect the Lemonade to be in this price range as well…

But actually, Lemonade‘s pet insurance sells for as low as $15–$20 for dogs and $10–$15 for cats, since the founders of the company are doing everything to keep as prices low as possible.

In fact, they make their insurance so customizable that you can get precisely the insurance you want!

How Can It Be So Affordable?

Other brands spend billions and billions on advertising, paperwork, and administration. Guess who pays for that in the end? The customer!

Lemonade is already a world-renown insurance company that recently added pet insurance. Since it’s mainly driven by AI it reduces a lot of its costs while still being able to handle all customers.

Furthermore, unlike any other insurance company, after paying claims, Lemonade takes a flat fee from your remaining dollars, and donates what’s left to causes you care about. They gain nothing by delaying or denying claims, so they handle them quickly and fairly.

Get your Lemonade Pet Insurance from their official website here >>>


As of January 16, 2023 Ever since Lemonade was on major international media, an incredible amount of buzz has been generated. Due to its popularity and positive reviews, the company is so confident in its product that they offer a 10% discount for pet owners who bundle their pet insurance policy with a Lemonade home insurance policy, and a 5% multi-pet discount.