Lemonade offers fast, tech-driven pet insurance with customizable plans, wellness add-ons, and instant claims in select states.
MetLife delivers flexible, feature-rich plans with short waiting periods (including next-day accident coverage), speedy claim payouts, and rollover benefits for curable pre-existing conditions
Average Days To Reimburse
4 Days
10 Days
Days To Submit Claim Before Expiration
180
90 days
Who wins for your pet—Lemonade, MetLife, or another top insurer?
Use any licensed veterinarian in the United States
Covered
Covered
See veterinary specialists without a referral
Covered
Covered
Accidents
Treatment for accidents that your pets might encounter like foreign body ingestion, poisoning, bee stings, broken bones, sprains, wounds, etc.
Covered
Covered
Illnesses
Treatment for illnesses that your pets might encounter like allergies, ear infections, hyperthyroidism, digestive problems, arthritis, heart disease, etc.
Covered
Covered
Cancer
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.
Covered
Covered
Breed-Specific Conditions
Genetic conditions common to specific breeds, often called breed-specific conditions. Examples: elbow and hip dysplasia, diabetes, upper respiratory infections, and thyroid disease.
Covered
Covered
Conditions the pet is born with, even if symptoms don’t show for some time. Examples: heart disease, nervous system issues, cataracts, and liver disease.
Covered
Covered
Condition that requires ongoing care.
Covered
Covered
A disease that affects an animal's hip joint.
Covered
Covered
Knee Injury
Covered
Covered
Diagnostic Tests & Treatment
Intravenous (IV) Fluids and Medications
Covered
Covered
Medical Supplies (bandages, casts, and splints)
Covered
Covered
MRI Scans
Covered
Covered
CT Scans
Covered
Covered
X-Rays
Covered
Covered
Ultrasound
Covered
Covered
Blood Tests
Covered
Covered
Urinalysis
Covered
Covered
Surgery
Covered
Covered
Hospitalization
Covered
Covered
Dental Care
Tooth Extractions
Covered
Illness-Related Cleaning
Not Covered
Covered
Coverage for Periodontal Disease
Not Covered
Covered
Coverage for Cysts, Enamel, and Unerupted Teeth.
Not Covered
Covered
Coverage for Deciduous Teeth
Not Covered
Covered
Some insurance carriers cover endodontic dental treatments such as dental crowns, root canals, and dental implants.
Not Covered
Alternative Therapies
The use of therapeutic exercises and other healing modalities to help pets recover from health conditions resulting from illness, trauma, or surgery.
Covered
Covered
The insertion of small needles to cause a desired healing effect.
Covered
Covered
Hydrotherapy involves the use of water to aid in the healing and/or conditioning of a patient. Pets either swim in a pool or tank for prescribed periods of time, or walk on an underwater treadmill.
Covered
Covered
Chiropractic adjustments include spinal manipulation and/or manual therapy.
Covered
Covered
Naturopathy is a system of treatment of disease that avoids drugs and surgery, and emphasizes the use of natural agents (air, water, and herbs) and physical means (tissue manipulation and electrotherapy).
Not Covered
Covered
Behavioral Issues
A systematic approach to changing behavior, including a pet’s reaction to a situation, a person, an object, or an animal.
Not Covered
Not Covered
Costs and payments related to obedience or training classes, including puppy classes.
Not Covered
Not Covered
Costs and payments related to training for behavioral disorders.
Not Covered
Not Covered
Covers legal defense and damages associated with your pet's third-party health liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another human.
Not Covered
Not Covered
Covers legal defense and damages associated with your pet's third-party property liability. This coverage is in excess of other insurance that may cover the same things and would cover costs associated with your dog biting another dog or causing damage to someone else's furniture, for example.
Not Covered
Not Covered
Prescribed Foods + Medication
Prescription medications are approved by your vet for the treatment of your pet's ailment.
Covered
Covered
Food scientifically formulated to meet the covered condition of your pet. Veterinarians must recommend the food for it to be covered by insurance.
Not Covered
Covered
Foods prescribed by your veterinarian for general health maintenance or prevention.
Not Covered
Not Covered
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.
Covered
Covered
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Covered
Covered
Exam Fees for a Covered Occurrence
Covered
Covered
Some insurance carriers offer medical waste fee coverages under their accident & illness policies.
Other
Some insurance carriers may cover emergency transportation or pet ambulance costs under their accident & illness policies
Not Covered
Poison Control Consultation Fees
Not Covered
Covered
Stem Cell Therapy
Covered
Covered
Laser therapy is a noninvasive procedure that uses light to stimulate cell regeneration and increase blood circulation. It can treat acute and chronic injuries, sprains and strains, arthritis, swelling, and muscular-skeletal abnormalities. It also helps to regenerate nerve tissue after surgery.
Covered
Covered
Reimbursements for advertising costs for a lost pet.
Not Covered
Covered
Reimbursements for offering a reward for a lost pet.
Not Covered
Covered
If your pet requires lifesaving medical treatment, the provider will pay for unrecoverable travel and accommodation expenses while you are on travel or within a week from your travel date.
Not Covered
Not Covered
Covers the costs of having your pet put to sleep if your veterinarian recommends the procedure.
Covered
The provider will pay for cremation or burial expenses should your pet die from an eligible condition.
Not Covered
Breeding, Pregnancy, Whelping or Nursing
Not Covered
Not Covered
Complications from Breeding, Pregnancy, Whelping, or Nursing
Between Lemonade and MetLife, which pet insurance is best for you depends on your pet’s breed-specific health risks, age, location, your budget, and the kind of coverage you’d like (see How to Choose Pet Insurance).
For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a cat.
Want to see a personalized comparison of Lemonade, MetLife, and other top providers based on your unique pet and coverage needs?Enter your pet’s info here →
The cost of your pet insurance premiums will also depend on your pet’s breed, age, location, and how comprehensive the coverage is (see Average Pet Insurance Costs).
However, it’s important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet.
Different policies will have different rates at which your premium may increase.
To put it simply, the policy that looks cheaper today might not be cheaper in the long run.
With Pawlicy Advisor, you get a personalized “Coverage Score” and“Lifetime Pricing Score” for hundreds of policy variations from top pet insurance companies. We crunch the numbers to figure out how much we expect each plan to cost over your pet’s lifetime.
Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time and the same price as you’d pay buying direct from the insurance carrier - to make sure your get the right price, with no hidden fees.
