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Lemonade Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Lemonade Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Check out this comparison between Spot Pet Insurance plans and Lemonade Pet Insurance plans to see which is the better fit for your pet's health needs.

Spot Vs. Lemonade Comparison

Is pet insurance right for you? The benefits are numerous, but situations vary widely from pet owner to pet owner. You have to consider whether your pets have the appropriate vaccines, whether they have pre-existing conditions, whether you’re interested in microchipping and much more. Responsible pet owners also have to worry about neutering/spaying, preventative care, and occasional blood work. Vet bills can get high, especially if you have to handle multiple vet visits or hospitalizations.

If pet insurance is the answer, which pet insurance provider should you go with? There are dozens of options with differences that aren’t always easy to spot.

Here at Spot Pet Insurance, we do the research to help make yours a little easier. Today, we’re going over some key differences that set apart Spot Pet Insurance plans from Lemonade Pet Insurance plans.

Remember that every pet family’s needs are different, so obtaining a quote is the best way to find the right fit for you. However, we aim to show you some differences that may not be clear with just a quote.

Competitor Comparison

 
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Preventive Care

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Multi Pet Discount

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Microchip

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Dental Illness

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Hereditary & Congenital Conditions

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Specialists

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One Annual Deductible

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No Upper Age Limit

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Chronic Conditions

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Behavioral Issues

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Alternative Therapies

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30-Day Money Back Guarantee

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Exam Fees

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Prescription Foods

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Lemonade

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Preventive Care

Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.

Multi Pet Discount

Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.

Microchip

Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.

Dental Illness

Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.

Hereditary & Congenital Conditions

This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.

Specialists

Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.

One Annual Deductible

Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.

No Upper Age Limit

Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.

Chronic Conditions

These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.

Behavioral Issues

This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.

Alternative Therapies

There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.

30-Day Money Back Guarantee

Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. Not available in NY.

Exam Fees

Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.

Prescription Foods

## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.

Spot plans are Available in All 50 States

We’re proud to offer Spot Pet Insurance plans in all 50 states. Lemonade plans are not offered in all US states at this time.

Spot Pet Insurance Plans Don’t Have Upper Age Limits

We know that pet health care becomes even more essential as our furry friends get older. Upper age limits aren’t present with Spot Pet Insurance plans. As long as your dog or cat is at least eight weeks old, they are welcome to enroll.

With Lemonade Pet Insurance plans, there are upper age limits that vary by breed.

Spot Pet Insurance Plans Have a 10 Percent Multi-pet Discount

When it comes to pets, the more, the merrier! Caring for multiple pets can add up, but Spot Pet Insurance is here to help. The plans we offer have a 10 percent multi-pet discount for all additional pets.

Lemonade pet insurance plans, on the other hand, offer a five percent discount.

Base Policies vs. Coverage Add-Ons

Spot Pet Insurance base plans cover alternative therapies that are prescribed to treat covered conditions

With plans provided by Lemonade, you need to add on alternative therapy coverage for an additional cost.

Spot Accident & Illness Plans Cover Dental Illnesses and Behavioral Problems

Accident & Illness plans provided cover dental illness coverage and behavioral problems. Lemonade plans don’t cover dental illnesses or behavioral problems.

Conclusion

With highly customizable pet insurance plan options and extensive pet parent education resources to answer all kinds of questions, we are structured to help give incredible service for your fur family.

Get a quote today!

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