Updated September 28, 2026 · SumCue Editorial Team
Lemonade vs MSIG Insurance (Thailand)
Lemonade
MSIG Insurance (Thailand)
Higher score in this comparison
What sets them apart
| Compare | LemonadeReviewVisitVisit | MSIG Insurance (Thailand)ReviewVisitVisit |
|---|---|---|
| Premium from | $5 | THB 299 |
| Insurance types | Auto, Home, Renters, Life, Pet | Auto, Travel, Home, Health |
| Cover limit | Up to $100,000,000 | Up to THB 50,000 hospitalisation benefit (Seasonal Disease plan 'Hot Hit', PP02) |
| Claims channels | App, Phone, Email | Phone, Online claims portal, Email |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- MSIG Insurance (Thailand) scores higher overall: 9.3 vs 9.1.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Renters, Life, Pet.
- Insurance types: only MSIG Insurance (Thailand) offers Travel, Health.
- Claims channels: only Lemonade offers App.
- Claims channels: only MSIG Insurance (Thailand) offers Online claims portal.
Our verdict on each
Lemonade
Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
MSIG Insurance (Thailand)
MSIG Insurance (Thailand) suits households in Thailand that want motor, travel, home and health policies from a single insurer, and claims can start by phone, through the online claims portal or by email. Premiums start at THB 299, and support runs on email, phone and chat.
Score breakdown
| Area | Lemonade | MSIG Insurance (Thailand) |
|---|---|---|
| Cost | 9.2Higher | 9.1Premiums start at THB 299, ahead of €0 and €25 on entry price. |
| Offer | 9.4Higher | 9.3 |
| Trust | 8.9 | 9.5Higher |
What each covers
| Insurance types | Lemonade | MSIG Insurance (Thailand) |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | No |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | Yes | No |
Where they rank in our lists
| Ranking | Lemonade | MSIG Insurance (Thailand) |
|---|---|---|
| Insurance | 31 of 627 | 20 of 627 |
| Car insurance | 12 of 279 | 8 of 279 |
| Home insurance | 11 of 258 | 8 of 258 |
Every fact side by side
| Fact | Lemonade | MSIG Insurance (Thailand) |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Lemonade Insurance Company | MSIG Insurance (Thailand) Public Company Limited |
| Headquarters | United States | Thailand |
| Founded | 2015 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Chat, Help centre |
Pros and cons
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
MSIG Insurance (Thailand)
Pros
- Claims open by phone, through the online claims portal or by email: phone, online claims portal and email.
- Motor, travel, home and health sit with a single insurer: auto, travel and home.
- Help runs on email, phone, chat and a help centre: email, phone and chat.
Cons
- Premiums start at THB 299, above €0 at bunq and €25 at Linxea.
- Cover stops at the types listed, auto, travel and home, so life and pet policies sit outside the range.
Who each suits
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
MSIG Insurance (Thailand)
Who it suits
- Households in Thailand holding a car, a home, health cover or travel plans: auto, travel and home
- Readers who want to open a claim by phone, online or by email: phone, online claims portal and email
- Shoppers who want help across email, phone, chat and a help centre: email, phone and chat
Who should look elsewhere
- Price-first shoppers: bunq and bunq Spain start at €0 and €0, below THB 299 here.
- Readers who want a life or savings product: Linxea starts at €25 and covers a different product line from auto, travel and home.
- Buyers who want cover that travels with them across markets: this insurer sits in TH and writes auto, travel and home.
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
MSIG Insurance (Thailand)
Current offer
Discount code
MSIG Motor insurance: enter promocode MPTT15 to get e-Voucher worth up to 700 THB: e-Voucher up to THB 700
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
Home insurance: enter code Ban15 for 15% off plus Starbucks e-Coupon worth up to 600 THB: 15% off + e-Coupon up to THB 600
Ends 31 January 2027
Source, checked September 26, 2026
Bonus
Special promotion MSIG Trip Easy Plus domestic travel, enter code 18DM, 2 benefits: 2 benefits per policy
Ends 31 January 2027
Source, checked September 26, 2026
Discount code
MSIG Overseas Student travel insurance: enter promocode 18SAVE to get e-Coupon worth up to 1,400 THB: e-Coupon up to THB 1,400
Ends 31 December 2026
Source, checked September 26, 2026
Discount code
Enter promocode 15STB or 15PTT to get e-Coupon / e-Voucher worth up to 1,000 THB for MSIG Travel Easy Plus overseas travel (per trip and annual): e-Coupon / e-Voucher up to THB 1,000
Ends 31 October 2026
Source, checked September 26, 2026
Country by country
| Country | Lemonade | MSIG Insurance (Thailand) |
|---|---|---|
| France | Yes | No |
| Germany | Yes | No |
| Netherlands | Yes | No |
| Thailand | No | Yes |
| United Kingdom | Yes | No |
| United States | Yes | No |
Questions about each
Lemonade
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
MSIG Insurance (Thailand)
What is the entry premium?+
Premiums start at THB 299 on the seasonal disease plan, the simplest product in the range. The other lines, auto, travel and home, are priced separately, so that figure sits at the bottom of the range rather than in the middle of it.
Is MSIG a bank?+
No. insurer reads insurer, and the legal entity is MSIG Insurance (Thailand) Public Company Limited, based in Thailand. Policies are underwritten and paid by the insurer itself, so the money sits with a single company rather than a bank.
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