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Paw Protect vs Lemonade

Paw Protect vs Lemonade: Verdict

Paw Protect is the plan that can help you pay vet bills upfront by sending the money straight to your bank account while you’re at the vet. It also 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:

PawLemonade
Can pay vet bills upfront
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%
Illness coverage start14 days2 days accident,
14 days illness
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)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

Paw Protect has changed the way pet insurance claims are paid. In a first for the pet insurance industry, Paw Protect sends you its share of a covered claim directly to your bank account while you’re still at the vet. All you do is call them and they take care of the rest – all you have to pay upfront is your out-of-pocket expenses, which is the same as any other pet insurance plan.

Lemonade is similar to most pet insurance companies: you pay your vet bill up-front and then claim the money back, less your deductible and copay. 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