Lemonade vs. Prudent Pet Insurance: In-Depth Comparison [2022]

Comparing Pets Best and Trupanion Pet Insurance Plans

What’s The Difference Between Lemonade & Prudent Pet Insurance Plans?

Thank you for visiting our guide to comparing Lemonade and Prudent Pet pet insurance plans. Below you’ll find a comparison of plan rates, multi-pet discounts, wellness plans, coverage amounts, and more.

Remember that the easiest way to shop for pet insurance is using a tool such as this to compare pet insurance plans from all the major pet insurance companies at once. With this tool, you can compare rates from Lemonade and Prudent Pet side by side, as well as other major pet insurers.

Lemonade & Prudent Pet: A Complete Breakdown of Dog Insurance Plan Benefits

The comparison below will show you the pet insurance plan features of Lemonade and Prudent Pet, as well as many of the other top pet insurance brands.

Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Company
Company
Pets Best
Lemonade
ManyPets
Trupanion
FIGO
HealthyPaws
Prudent Pet
Embrace
Wagmo
Annual Coverage
Annual Coverage
$5,000 or Unlimited
Up To $100,000
Unlimited
Unlimited
$5,000 or Unlimited
Unlimited
$10,000 or Unlimited
$5,000 - $30,000
Unlimited
Multi-pet Discount?
Multi-pet Discount?
Yes
Yes
No
No
Yes
No
Yes
Yes
No
What They Do Best
What They Do Best
Best for plan customization
Great pricing for puppies & kittens
$0 copay option. No fees for paying monthly.
Best for paying claims to veterinarian direct
Short waiting periods
Best for paying claims fast
Best Trustpilot reviews
Best plan for superior benefits
Fast claims. Wellness plan available.
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
iHeartDogs Customer Rating ⭐⭐⭐⭐⭐
4.3 / 5
4.6 / 5
4.7 / 5
4.5 / 5
4.1 / 5
4.4 / 5
4.5 / 5
4.5 / 5
4.1 / 5
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Wellness Plan Option? (preventative care e.g. exams, dental, vaccines)
Yes
Yes
Yes
No
No
No
No
Yes
Yes
Example Quote for 1 Year Old 30 lb Mixed Breed
Example Quote for 1 Year Old 30 lb Mixed Breed
$35.81 per month
$20.00 per month
$30.00 per month
$68.25 per month
$69.30 per month
$26.25 per month
$73.46 per month
$42.35 per month
$15.00
Reimbursement Amount
Reimbursement Amount
90%, 80%, or 70%
90%, 80%, or 70%
90%, 80%, or 70%
90%
100%, 90%, 80%, or 70%
90%, 80%, 70%, 60%, or 50%
90%, 80%, or 70%
90%, 80%, or 70%
100% or 90%
Annual Deductible
Annual Deductible
$50, $100, $200, $250, $500, or $1,000
$100, $250, or $500
$100, $250, or $500
$0 to $1,000
$100, $250, $500, or $750
$100, $250, $500, $750, or $1,000
$100, $250, $500, or $1,000
$200, $300, $500, $750, or $1,000
$250, $500, or $1,000
iHeartDogs is reader-supported. When you buy via links on our site, we may earn an affiliate commission at no extra cost to you.

Free Side by Side Quote Comparison Between Lemonade and Prudent Pet

Fill out the form below to receive your no-obligation quote comparison between Lemonade and Prudent Pet.

Common Questions About Lemonade Vs. Prudent Pet

Coverage Amounts: Lemonade Vs. Prudent Pet

Lemonade’s annual coverage maxes out at $100,000 depending on your plan, while Prudent Pet’s coverage could either max out at $10,000 or be unlimited. Unlimited coverage sounds better, but it requires higher premiums, and $100,000 can cover many expensive surgeries and treatments, especially within a one-year period. Of course, it depends on the reason for your visit, but $10,000 should certainly be enough to cover many veterinary procedures.

Multi-Pet Discounts: Lemonade Vs. Prudent Pet

Both Lemonade and Prudent Pet offer a discount for multiple pets, making either insurance a good choice for multi-pet parents looking to save. You may as well use the same company for all your animals, and this pet insurance plan feature lets you do that.

What are the Reimbursement Amounts for Lemonade Vs. Prudent Pet?

In this category, the options are similar. Lemonade’s reimbursement options are 90%, 80%, or 70%, and Prudent Pet’s are 90%, 80%, or 70% as well. The higher your reimbursement percentage, the higher your premium will be.

What is the Annual Deductible for Lemonade Vs. Prudent Pet?

Lemonade has a few deductible options: $100, $250, or $500. Prudent Pet offers deductibles of $100, $250, $500, or $1,000. The higher the deductible, the lower your premium will be.

Does Lemonade or Prudent Pet Offer a Wellness Plan for Preventative Care?

While Prudent Pet does not have a wellness plan option, Lemonade offers one. This means you invest in important preventative care like annual exams and teeth cleanings, but the plan wouldn’t cover accidents or emergencies.

Who is Cheaper: Lemonade or Prudent Pet?

In most cases, we found Lemonade to offer a more affordable price. In our example quote, Lemonade beat out Prudent Pet for a 1-year-old 30 lb mixed breed dog based on Texas zip code 75001. However, keep in mind that your location, dog’s age, breed, gender, and other factors significantly affect your pricing. The best way to know whether Lemonade or Prudent Pet is cheaper is to run a comparison quote here.

The Bottom Line: Who is Better, Lemonade or Prudent Pet?

It’s a close call between Lemonade and Prudent Pet! Overall, we give an edge to Lemonade for their more affordable pricing, their wellness plan option and multi-pet discounts, and their average rating amongst iHeartDogs customers. Both companies are very reputable and popular with iHeartDogs readers, with Lemonade receiving 4.6 out of 5 stars and Prudent Pet receiving a close 4.5 out of 5 stars.

Run a No Obligation Comparison Quote Between Lemonade and Prudent Pet

[4] Lemonade Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Lemonade and other major pet insurance providers.

Overall Lemonade Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - Very fast response - Lemonade review by James, Ashburn

⭐⭐⭐⭐ - Pretty simple site and easy to use. Customer service was fast last time I had a question - Lemonade review by JT, Moreno Valley

⭐⭐⭐⭐ - Haven't had to make claim yet, but getting signed up was super fast and easy. Heard from a couple friends who used them and were happy - Lemonade review by Justin, Riverside

⭐⭐⭐⭐⭐ - Love that they also offer renter insurance, life insurance, car insurance, etc. Seems like a modern company, very easy to use - Lemonade review by Jennifer, Richmond

[5] Prudent Pet Insurance Customer Reviews (2022)

iHeartDogs created surveyed our readers in 2022 about their experience with Prudent Pet and other major pet insurance providers.

Overall Prudent Pet Insurance received a 4.5 out of 5 rating:

⭐⭐⭐⭐⭐ - This was my first time purchasing pet insurance and Pati was a big help! She explained everything in an easy to understand way and was there to answer all my questions. Would highly recommend! - Kyla

⭐⭐⭐⭐⭐ - Great Customer Service- While searching for pet insurance, I looked into and called multiple services. Stephanie Toppel was really great at answering all of my questions by responding right away and giving me a straight and honest answer. Pet insurance has a lot of ins and outs to it and I now feel very comfortable that I choose the best company for me. - Kari

⭐⭐⭐⭐⭐ - We just signed up with Prudent Pet and are already extremely impressed with them. I got quotes from 6 different pet insurance companies and I love the fact that Prudent is one of the very few that offer preventative care as well. We have a big family so every penny counts- including annual exams, shots, etc because it all adds up! I got a quote on Sunday afternoon from their website and first thing Monday morning a customer service representative called me to follow up on my quote. None of the other companies did that at all whatsoever. She also spent 45 minutes on the phone with me explaining every detail of the coverage with me and letting me know my options. She answered every question I could think of and was so patient and friendly about it despite me taking up so much of her time with my endless inquiries. She made me feel right at ease. I’m really excited for my dog’s new coverage we can’t wait to see how it all works out. I feel relieved that now I don’t have to worry about some expensive bill coming up that we can’t afford. This makes it much easier on our family and gives us a peace of mind that we can give our dog quality care at any time. - Alexandra

⭐⭐⭐⭐ - We just purchased our policy so I can’t review on the coverage or claims process, but customer service was exceptional. Patricia Ostaszewski was great and assisted us with all of our questions and concerns and set up the policy for us. I do wish the policy listed more details regarding coverage. - Ariel

⭐⭐⭐⭐ - I just bought this plan. So far no problems. The only thing was after I applied the info said I would get an email for me to set up my password, I didn’t get one so I called and they told me what to do. Everything ok now. - Patricia

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