Lemonade pet insurance review – Forbes Advisor

Lemonade has a two-day waiting period for accidents, a 14-day waiting period for illnesses, and a six-month waiting period for cruciate ligament conditions. In comparison, Healthy Paws has a 15-day wait period for accidents and illnesses and a 12-month wait period for hip dysplasia. But the extended waiting period only applies to animals that register before they are 6 years old. So if they are over 6 at the time of registration, Healthy Paws will not cover hip dysplasia at all.

If your pet is prone to hip dysplasia, lemonade might be a better plan for your pet. On the other hand, if your pet is prone to cruciate ligament issues, you can consider Healthy Paws a viable option. But keep in mind that some plans like the ASPCA’s don’t have extended waiting periods.

Lemonade and Healthy Paws offer pet owners the option to cover functional therapies such as acupuncture and physiotherapy. However, Lemonade gives pet owners the additional option of adding coverage for welfare and examination fees. Healthy Paws does not cover any of these expenses. So, if you want help paying for your pet’s preventative care and examination fees, Lemonade is probably the best insurance solution.

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