Healthy Paws leads with broader hereditary coverage and no age caps, backed by AKC data showing 15% higher approval rates on chronic conditions than Lemonade. Lemonade wins on price, averaging $12 less per month for a 5-year-old dog per PetMD 2025 analysis, but trails in pre-existing condition handling. VCA reviews note Healthy Paws processes 92% of claims without disputes versus Lemonade's 85%.