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PetsHealthHub

Comparison tool

Two plans, one clear answer

Choose any two insurers. We line up their scores, prices and the clauses that matter, then tell you which one wins and where.

Reviewed by the PetsHealthHub editorial teamLast updated

Lemonade

4.7/5

The lowest prices we found and the fastest claims, as long as you add the extras you need.

Coverage40%9.0
Price30%9.8
Claims speed20%9.8
Exclusions10%8.6
Dogs from
$26/mo
Cats from
$14/mo
Deductibles
$100 – $500
Reimbursement
70% / 80% / 90%
Annual limit
$5,000 – $100,000
Accident wait
2 days
Illness wait
14 days
Orthopedic wait
6 months (cruciate)
Claims speed
Minutes to 3 days
Exam fees
Add-on / not covered
Enrollment age
8 weeks – 14 years

Best for: Young, healthy pets and owners who want a modern app with near-instant claims

Get my Lemonade quoteRead our full Lemonade review

Spot

4.5/5

The most flexible plan on the market, and the one without an orthopedic waiting period.

Coverage40%9.4
Price30%8.8
Claims speed20%8.2
Exclusions10%9.0
Dogs from
$29/mo
Cats from
$17/mo
Deductibles
$100 – $1,000
Reimbursement
70% / 80% / 90%
Annual limit
$2,500 – Unlimited
Accident wait
14 days
Illness wait
14 days
Orthopedic wait
None in most states
Claims speed
About 10 business days
Exam fees
Included
Enrollment age
8 weeks – no upper limit

Best for: Senior pets, large breeds prone to knee injuries, and owners who want to tune every setting

Check Spot pricesRead our full Spot review

Our verdict

Lemonade edges it, 4.7 to 4.5.

Lemonade is the stronger all-round plan on our weighted methodology. Spot still wins on coverage and exclusions, so it may be the better fit if that matters most to you. Lemonade is best for young, healthy pets and owners who want a modern app with near-instant claims.

Get my Lemonade quoteCheck Spot prices