Head-to-Head
ASPCA vs Lemonade
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | Lemonade |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | + Add-on |
| Behavioral | ✓ Yes | + Add-on |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | + Add-on |
| Exam Fees | ✓ Yes | + Add-on |
Pricing comparison
| Dog type | ASPCA | Lemonade |
|---|---|---|
| Small (young) | $25–$50/mo | $20–$35/mo |
| Medium (young) | $35–$65/mo | $25–$45/mo |
| Large (young) | $45–$85/mo | $35–$65/mo |
| Brachycephalic | $50–$95/mo | $40–$80/mo |
| Large (senior) | $60–$120/mo | $55–$110/mo |
Plan flexibility
| Option | ASPCA | Lemonade |
|---|---|---|
| Deductibles | $100, $250, $500 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90% |
| Annual limits | $5000, $10000, Unlimited | $5,000, $10,000, $50,000, Unlimited |
Waiting periods
| Type | ASPCA | Lemonade |
|---|---|---|
| Accidents | 14 days | 2 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
Lemonade
✓ Fast digital claims process
✓ No upper age limit
✓ Transparent pricing
✓ B Corp certified
✗ Add-ons required for full coverage
✗ Newer company
✗ Limited phone support
Frequently asked questions
Which is better, ASPCA or Lemonade?
Both providers are rated equally. ASPCA scores 4.2/5 while Lemonade scores 4.2/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs Lemonade?
For a medium-sized young dog, ASPCA costs $35–$65/month while Lemonade costs $25–$45/month. Lemonade is generally more affordable.
Which has better coverage, ASPCA or Lemonade?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while Lemonade takes 2 days. Review the coverage table above for detailed feature-by-feature differences.
Get your free cost report
Enter your email and we'll send a personalized breakdown of costs.