Paw Protect vs Lemonade

Paw Protect vs Lemonade: Verdict

Paw Protect offers all customers an optional $2,000 interest-free line of credit, through a virtual Visa card from Paytient, to pay covered vet bills up-front.† It’s accepted at any vet in the US.*

Paw Protect covers dental care, behavioral therapies, and has a 24/7 pet helpline. Lemonade doesn’t offer 24/7 pet telehealth, and coverage for vet exam fees has to be added as an extra. 

Here’s more detail on how they stack up:

Pet insurance without paying vet bills* up-front
Annual coverage options$5000, $10,000, Unlimited$5,000, $10,000, $20,000, $50,000, $100,000
Deductible options$100, $250, $500$100, $250, $500
Reimbursement options70%, 80%, 90%70%, 80%, 90%
Coverage start2 days accident,
14 days illness
2 days accident,
14 days illness
Maximum age at sign-up14 years accident and illness,
15+ accident only
Varies by breed
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs Lemonade: Claims process

Regular pet insurance, like Lemonade, involves paying vet bills out of your own money and then claiming it back, minus your deductible and copay. 

Paw Protect offers customers an optional $2,000 interest-free line of credit to pay covered vet bills*, through a virtual Paytient Visa card on your phone. If approved for Paytient, and if your bill is under $2,000 (most of them are), you don’t have to pay a cent of your own money up front. 

  • The claims process is simple, like regular insurance
  • Submit the paperwork via our app, online, by email or through the mail
  • Use your reimbursement to pay down your Paytient balance and pay off any remaining out-of-pocket costs over up to 12 months interest-free

Lemonade claims are made through its app. An invoice and receipt have to be uploaded, then, once the claim is approved, the payment goes straight into your bank account.

French Bulldog