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In terms of pet insurance coverage, Nationwide had nearly seven instances 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 status 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 growing in GWP.
Let’s examine Nationwide and Lemonade head-to-head and select a transparent winner. We clarify our reasoning together with every firm’s strengths and weaknesses that can assist 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 under reveals what Nationwide and Lemonade cowl.
Word: Each corporations cowl emergency care, surgical procedure and hospitalization, specialised exams and specialty care, X-rays, blood exams, ultrasounds, cat scans, MRIs, rehabilitation, most cancers, persistent situations, euthanasia, hereditary situations, congenital situations, non-routine dental therapy, and prescription drugs.
Neither covers pre-existing situations, cremation and burial prices, being pregnant and breeding, or pointless beauty procedures.
*Ready intervals for Maine are as follows:
- Accidents – 0 days
- Sicknesses – 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’ll be able to 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 is predicated in your vet invoice and the deductible, payout, and reimbursement share in your plan. Nationwide additionally affords a majority 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. Then again, Lemonade has breed and plan restrictions for particular ages. Moreover, Lemonade is barely accessible in 37 states and Washington, D.C.
Lemonade has a shorter accident ready interval and is extra according to the competitors. Nevertheless, Nationwide affords various/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 concerning reimbursement considerations, sudden renewal modifications, drastic premium will increase, and extra. Discovering unfavorable critiques isn’t tough for Nationwide throughout numerous departments.
Nevertheless, Lemonade’s pet insurance policy have solely been round since 2020, so it’s onerous to say what you’ll be able to count on from them over the lengthy haul. As soon as Lemonade has been round for 5 or extra years, we’ll be capable to get a greater thought of their customer support.

Buyer Service & Popularity Winner: Nationwide
Declare Processing

Nationwide averages 4 days for declare processing. That is shorter than many different corporations within the business, which frequently proves sufficient for it to win this class. Nevertheless, Lemonade’s declare processing expertise is tough to beat.
Lemonade averages a speedy two days for declare processing, a fast timeline in comparison with rivals. 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 induced rivals to search for methods to step it up.

Declare Processing Winner: Lemonade
Worth Of Coverage

Nationwide has no enrollment charges however prices a $2 month-to-month transaction charge except you pay your annual premium upfront annually. Lemonade doesn’t have any one-time or recurring transaction charges.
Your premium value quote is predicated in your pet’s particulars (age, breed, location, and so forth.). We suggest acquiring quotes from every firm in your particular pet. It’s also possible to go to our pet insurance coverage comparability quotes to see a couple of pattern costs we’ve gathered.
Evaluating costs for Nationwide and Lemonade is tough as a result of they don’t supply the identical plan sorts and choices. Should you go for Nationwide’s profit schedule model plan, you’ll most certainly see a decrease month-to-month premium than Lemonade. Nevertheless, when you go for a traditional-style pet insurance coverage plan, costs for each corporations could fall across the similar value level. That is why we’ve declared this class a tie.

Worth Of Coverage Winner: Nationwide & Lemonade (Tie)
Coupons
Nationwide
Nationwide Pet Insurance coverage affords 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 reap the benefits of the absolute best value.
Lemonade Pet Insurance coverage
Lemonade affords the next reductions:
- 10% off when you bundle together with your Lemonade renters, householders, auto, rental, or co-op insurance coverage
- 5% off for a number of pets
Use this hyperlink to reap the benefits of the absolute best value. No promo code is required.
Plan Customization
Discovering an organization with the protection you want that matches your price range is essential. Look under 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 price range. Then again, 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. That is why Lemonade wins this class.
Plan Customization Winner: Lemonade
What’s The Verdict?
General, Lemonade wins our comparability attributable to its speedy claims processing with superior expertise 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 think about Nationwide too. And if an organization with a extra established historical past is essential to your determination, positively hold Nationwide and another key gamers in thoughts.
Should you didn’t discover what you have been on the lookout for, our specialists dig even deeper into every firm in our particular person critiques of Nationwide and Lemonade.

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