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On the subject of pet insurance coverage, Nationwide had nearly seven occasions the gross written premiums (GWP) quantity of Lemonade within the U.S. in 2022.1 However larger doesn’t at all times imply higher. Nationwide Pet Insurance coverage (previously referred to as VPI) was based in 1984 and was the primary pet insurer, promoting its first coverage to Lassie, the heroic TV Collie. Nationwide has had a long time to construct its repute and develop its buyer base. Though Lemonade is only some years previous (based in 2020), it’s disrupting the pet insurance coverage market and is rapidly rising in GWP.
Let’s evaluate Nationwide and Lemonade head-to-head and select a transparent winner. We clarify our reasoning together with every firm’s strengths and weaknesses that will help you higher perceive what every has to supply.
Go to Pets Finest’s Web site | Go to Nationwide’s Web site
Coverage Protection

The desk beneath reveals what Nationwide and Lemonade cowl.
Observe: Each firms cowl emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood checks, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, power circumstances, euthanasia, hereditary circumstances, congenital circumstances, non-routine dental remedy, and prescription drugs.
Neither covers pre-existing circumstances, cremation and burial prices, being pregnant and breeding, or pointless beauty procedures.
*Ready durations for Maine are as follows:
- Accidents – 0 days
- Diseases – 14 days
- Cruciate Ligament Situations – 30 days
- Routine Care – 0 days
One of many key issues that Nationwide and Lemonade differ in is how their plans are arrange. Nationwide makes use of a profit schedule for a few of its plans, which outlines the utmost protection quantity you may count on to be reimbursed for every situation. In the meantime, Lemonade’s plans are arrange like different pet insurers, the place the declare reimbursement relies in your vet invoice and the deductible, payout, and reimbursement share on your plan. Nationwide additionally provides most of these plans, however they arrive with restricted deductible and reimbursement share choices.
One other vital protection issue is that Nationwide doesn’t enroll pets after their tenth birthday. Alternatively, Lemonade has breed and plan restrictions for particular ages. Moreover, Lemonade is simply out there in 37 states and Washington, D.C.
Lemonade has a shorter accident ready interval and is extra in step with the competitors. Nevertheless, Nationwide provides different/holistic remedy protection. As a result of they every have their shortcomings, we’ve declared this class a tie.

Coverage Protection Winner: Nationwide & Lemonade (Tie)
Buyer Service & Popularity

Nationwide has numerous complaints relating to reimbursement considerations, surprising renewal adjustments, drastic premium will increase, and extra. Discovering destructive critiques isn’t troublesome for Nationwide throughout numerous departments.
Nevertheless, Lemonade’s pet insurance policy have solely been round since 2020, so it’s laborious to say what you may count on from them over the lengthy haul. As soon as Lemonade has been round for 5 or extra years, we’ll have the ability to get a greater concept of their customer support.

Buyer Service & Popularity Winner: Nationwide
Declare Processing

Nationwide averages 4 days for declare processing. That is shorter than many different firms within the business, which regularly proves sufficient for it to win this class. Nevertheless, Lemonade’s declare processing know-how is tough to beat.
Lemonade averages a speedy two days for declare processing, a fast timeline in comparison with opponents. An enormous promoting level for Lemonade is that it has an Synthetic Intelligence (AI) -driven declare course of. AI permits Lemonade to pay essentially the most simple claims inside seconds of submission. This has actually disrupted the pet insurance coverage house and brought on opponents to search for methods to step it up.

Declare Processing Winner: Lemonade
Worth Of Coverage

Nationwide has no enrollment charges however fees a $2 month-to-month transaction price until you pay your annual premium upfront every year. Lemonade doesn’t have any one-time or recurring transaction charges.
Your premium value quote relies in your pet’s particulars (age, breed, location, and many others.). We suggest acquiring quotes from every firm on your particular pet. You can too go to our pet insurance coverage comparability quotes to see a number of pattern costs we’ve gathered.
Evaluating costs for Nationwide and Lemonade is troublesome as a result of they don’t supply the identical plan varieties and choices. When you go for Nationwide’s profit schedule model plan, you’ll probably see a decrease month-to-month premium than Lemonade. Nevertheless, if you happen to go for a traditional-style pet insurance coverage plan, costs for each firms could fall across the similar value level. Because of this we’ve declared this class a tie.

Worth Of Coverage Winner: Nationwide & Lemonade (Tie)
Coupons
Nationwide
Nationwide Pet Insurance coverage provides the next reductions:
- 5% off for 2-3 pets coated
- 10% off for 4 or extra pets coated
No promo code is required. Use this hyperlink to benefit from the very best value.
Lemonade Pet Insurance coverage
Lemonade provides the next reductions:
- 10% off if you happen to bundle along with your Lemonade renters, householders, auto, apartment, or co-op insurance coverage
- 5% off for a number of pets
Use this hyperlink to benefit from the very best value. No promo code is required.
Plan Customization
Discovering an organization with the protection you want that matches your funds is essential. Look beneath to see what plan choices every of those suppliers supply.
Nationwide | Lemonade | |
---|---|---|
Deductible Choices | $250 | $100, $250, $500 |
Payout Choices | Restricted Per Situation, Limitless | $5,000, $10,000, $20,000, $50,000, $100,000 |
Reimbursement Choices | 50%, 70%, 90% | 70%, 80%, 90% |
Accident-Solely Plan | ![]() | ![]() |
Lemonade has many customization choices to assist suit your protection to your wants and funds. Alternatively, Nationwide makes use of a profit schedule for some plans, which limits your customization choices. And for its different plans, Nationwide nonetheless has minimal customizations. Because of this Lemonade wins this class.
Plan Customization Winner: Lemonade
What’s The Verdict?
Total, Lemonade wins our comparability as a result of its speedy claims processing with superior know-how and its plan customization choices. Nevertheless, we at all times suggest getting a number of quotes from pet insurance coverage suppliers, so it’s good to contemplate Nationwide too. And if an organization with a extra established historical past is essential to your resolution, positively preserve Nationwide and another key gamers in thoughts.
When you didn’t discover what you had been searching for, our consultants dig even deeper into every firm in our particular person critiques of Nationwide and Lemonade.

Total Winner: Lemonade
Our consultants have spent hundreds of hours researching to deliver you our complete and ceaselessly up to date pet insurance coverage critiques, together with our prime picks and particulars on every of the preferred pet insurance coverage firms. We give awards for the perfect worth, multi-pet reductions, quickest declare processing, and greatest newcomer. You’ll even see winners for unique pets and cats.
Sources: [1] NAPHIA
Tagged With: Reviewed By Insurance coverage Agent, Vs[ad_2]