Updated September 28, 2026 · SumCue Editorial Team
Lemonade vs TIPINSURE
Lemonade
TIPINSURE
Higher score in this comparison
Where Lemonade and TIPINSURE differ
| Compare | LemonadeReviewVisitVisit | TIPINSUREReviewVisitVisit |
|---|---|---|
| Premium from | $5 | THB 699 |
| Insurance types | Auto, Home, Renters, Life, Pet | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | Up to $100,000,000 | 500,000 THB |
| Claims channels | App, Phone, Email | Phone, App, Online |
| Age range | Not confirmed | 20-60, renewable to 64 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- TIPINSURE scores higher overall: 9.2 vs 9.1.
- Founded is lower at TIPINSURE: 1951 vs 2015.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Renters, Life.
- Insurance types: only TIPINSURE offers Travel, Health, Motorcycle.
- Claims channels: only Lemonade offers Email.
- Claims channels: only TIPINSURE offers Online.
- Support channels: only Lemonade offers Email.
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.
TIPINSURE
TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.
Score breakdown
| Area | Lemonade | TIPINSURE |
|---|---|---|
| Cost | 9.2Higher | 8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price. |
| Offer | 9.4Higher | 9.2 |
| Trust | 8.9 | 9.5Higher |
Which one suits you
Pick Lemonade if cost matter most.
Pick TIPINSURE if trust matter most.
Where they rank in our lists
| Ranking | Lemonade | TIPINSURE |
|---|---|---|
| Insurance | 31 of 627 | 26 of 627 |
| Car insurance | 12 of 279 | 10 of 279 |
| Home insurance | 11 of 258 | 10 of 258 |
| Pet insurance | 6 of 157 | 5 of 157 |
Every fact side by side
| Fact | Lemonade | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Lemonade Insurance Company | TIPINSURE Public Company Limited |
| Headquarters | United States | Thailand |
| Founded | 2015 | 1951Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | 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).
TIPINSURE
Pros
- One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
- Monthly payments are available, not yearly only
- Claims run on phone, app and online: phone, app and online
Cons
- The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
- Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered
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.
TIPINSURE
Who it suits
- Households in Thailand insuring a car, home, pet and travel in one place
- Drivers and motorcyclists who want monthly premiums rather than a yearly payment
- Adults building health cover alongside a critical illness policy
Who should look elsewhere
- Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
- Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer
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
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Lemonade | TIPINSURE |
|---|---|---|
| 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.
TIPINSURE
What does TIPINSURE actually insure?+
TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.
How much does a TIPINSURE policy cost?+
The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.
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