Shopping Lemonade? Here’s an honest, side-by-side look at how RMO MyPet compares — on price, coverage, and where each one wins.
Lemonade figures referenced from public 2026 pages and vary by plan, state, and applicant. MyPet pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyPet | Lemonade |
|---|---|---|
| Starting premium | from $15/mo | from ~$10/mo |
| Reimbursement | 80–100% | Up to 90% |
| Annual limit | $5,000 to unlimited | Capped (no unlimited) |
| Vet exam fees | Included | Add-on / limited |
| Wellness / routine care | Included (III/IV) | Paid add-on |
| Alternative therapy | Included (III/IV) | Limited |
| Deductible | $0–$250 | $100–$500 |
Yes. MyPet III and IV have no annual payout cap. Lemonade's plans all carry an annual limit.
Lemonade advertises low promotional starting rates; MyPet starts at $15/month with exam fees and (on higher tiers) wellness included, which Lemonade charges extra for.
MyPet III and IV include wellness in the plan; Lemonade sells wellness as a separate paid package.
MyPet IV reimburses 100%; Lemonade tops out around 90%.
