ASPCA Pet Health Insurance vs Lemonade for French Bulldogs
ASPCA and Lemonade represent two different philosophies in pet insurance. ASPCA is the established all-rounder with 20+ years of experience, unlimited coverage options, and comprehensive wellness add-ons. Lemonade is the tech-forward disruptor with AI-powered claims, competitive pricing, and a mobile-first experience. For French Bulldog owners choosing between experience and innovation, this comparison breaks down what actually matters.
Quick Verdict
ASPCA edges ahead for French Bulldogs thanks to unlimited coverage options, comprehensive wellness add-ons, and availability in all 50 states. Lemonade's faster claims and lower entry price make it competitive, but the $100K annual cap and limited state availability are real drawbacks for a high-cost breed.
Side-by-Side Comparison
← Scroll to see all details →
| Feature | ASPCA Pet Health Insurance | Lemonade |
|---|---|---|
| Overall Rating | 4.7 | 4.7 |
| Starting Price | $37.5/mo | $66/mo |
| Annual Maximum | Unlimited | $100,000 |
| Deductible Type | Annual | Annual |
| Reimbursement | 70-90% | 70-90% |
| Claims Speed | 7-14 days | Minutes to 48 hours |
| Wellness Available | ||
| Direct Vet Pay | ||
| Waiting Period | 14 days illness, 0 days accident | 14 days illness, 2 days accident |
Rating Breakdown
Pros & Cons
ASPCA Pet Health Insurance
Pros
- No Annual Cap Option: The ability to choose a plan with no annual limit eliminates concerns about hitting coverage caps during expensive treatment years, crucial for French Bulldogs prone to multiple costly conditions.
- Comprehensive Wellness Options: Optional preventive care coverage helps manage routine costs and catch problems early, potentially preventing more expensive issues later.
- Established Track Record: Two decades in business provides confidence in their financial stability and commitment to pet insurance.
- Flexible Customization: Extensive options for annual limits, deductibles, and reimbursement rates allow you to design a plan that fits your budget and risk tolerance.
Cons
- Slower Claims Processing: 7-14 day processing times lag behind tech-forward competitors offering instant or same-day approvals.
- Higher Premiums: Generally more expensive than budget options, though the comprehensive coverage often justifies the cost.
- Waiting Periods: 14-day waiting period for illnesses means you can't get immediate coverage for emerging health issues (though accidents are covered immediately).
Lemonade
Pros
- Cost-Effective Premiums for French Bulldog owners
- Rapid Claims Resolution via AI-powered system
- Intuitive mobile-first technology platform
- Comprehensive Genetic Coverage including hereditary conditions
Cons
- $100K Annual Limit May Be Restrictive for multi-procedure years
- Available in 42 States + DC (not yet available in all 50 states)
- Reimbursement Model Requires Upfront Payment
Pricing Comparison
ASPCA Pet Health Insurance Plans
- <strong>Annual Coverage:</strong> $5,000
- <strong>Annual Deductible:</strong> $500
- <strong>Reimbursement:</strong> 70%
- Everything in Essential plan plus:
- <strong>Annual Coverage:</strong> $10,000
- <strong>Annual Deductible:</strong> $250
- Everything in Essential & Moderate plan plus:
- <strong>Annual Coverage:</strong> Unlimited
- <strong>Annual Deductible:</strong> $100
Lemonade Plans
- $20,000 Annual Coverage
- $250 Annual Deductible
- 70% Reimbursement
- Everything in 70% Coverage plus:
- 80% Reimbursement
- Vet Visit Fee Coverage
- Everything in 80% Coverage plus:
- 90% Reimbursement
- $50,000 Annual Coverage
Category Breakdown
Coverage Limits
ASPCA Pet Health InsuranceASPCA offers truly unlimited annual coverage. Lemonade caps at $100,000/year — generous for most breeds, but French Bulldogs with multiple conditions can push toward that limit.
Pricing
ASPCA Pet Health InsuranceASPCA's Essential plan starts at $37.50/month vs Lemonade's $66/month for comparable coverage. ASPCA also offers more granular pricing tiers to fit any budget.
Claims Speed
LemonadeLemonade's AI can process simple claims in minutes. ASPCA takes 7-14 business days — the slowest in our reviews. For emergency reimbursement, Lemonade wins decisively.
Wellness Coverage
ASPCA Pet Health InsuranceASPCA offers robust wellness add-ons covering routine care, vaccinations, and dental. Lemonade's wellness options are more limited in scope.
Technology & UX
LemonadeLemonade's app is best-in-class with instant quotes, easy claims filing, and a clean interface. ASPCA's digital experience is functional but dated.
Availability
ASPCA Pet Health InsuranceASPCA covers all 50 states. Lemonade is available in 42 states + DC, which could be a dealbreaker depending on where you live.
Our Recommendation
Choose ASPCA Pet Health Insurance if...
- You want unlimited annual coverage with no cap anxiety
- Wellness coverage for routine Frenchie care is important to you
- You prefer an established insurer with a long track record
- You need coverage in all 50 states
Choose Lemonade if...
- Fast claims processing is your top priority
- You prefer a modern, app-first experience
- You are comfortable with a $100K annual limit
- You value a streamlined, simple plan structure
Frequently Asked Questions
If you want truly unlimited coverage plus wellness, yes. ASPCA's Maximum Coverage plan ($100/month) removes all annual caps and offers 90% reimbursement. Lemonade's comparable 90% plan costs $131/month but still caps at $50K annually. For a breed that can generate $10,000+ in annual vet bills, unlimited coverage provides real peace of mind.
Lemonade can process simple, well-documented claims in minutes through their AI system. Complex claims may take up to 48 hours. ASPCA takes 7-14 business days for most claims. If you need fast reimbursement after a $5,000 emergency surgery, that difference matters significantly.
Yes, both cover BOAS surgery and related breathing treatments as part of their hereditary condition coverage. The key difference is the reimbursement speed — with Lemonade you may get reimbursed within hours, while ASPCA may take 1-2 weeks.
ASPCA is generally better for older Frenchies because their unlimited coverage option protects against the higher vet costs that come with age. Lemonade's $100K cap becomes a bigger concern as your dog ages and health issues accumulate. Both cover hereditary conditions regardless of age, but ASPCA's wellness add-ons help manage the higher routine care costs of senior dogs.