Updated October 21, 2026 · SumCue Editorial Team
Lemonade vs WAS Insurance
Lemonade
Higher score in this comparison
WAS Insurance
Lemonade vs WAS Insurance: the differences
| Compare | LemonadeReviewVisitVisit | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Pet | Travel, Pet |
| Provider type | Insurer | Broker |
| Cover limit | Up to $100,000,000 | Unlimited medical |
| Claims channels | App, Phone, Email | Phone, Email, Online |
| Premium from | $5 | Not confirmed |
| Excess from | Not confirmed | A$100 |
| Age range | Not confirmed | 18-99 |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Lemonade scores higher overall: 9.1 vs 8.9.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Auto, Home, Renters.
- Insurance types: only WAS Insurance offers Travel.
- Claims channels: only Lemonade offers App.
- Claims channels: only WAS Insurance offers Online.
- Support channels: only Lemonade offers Chat, Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | Lemonade | WAS Insurance |
|---|---|---|
| Cost | 9.2Higher | 9.0Monthly billing through monthly keeps premiums spread across the year. |
| Offer | 9.4Higher | 8.7Focused range of travel and pet with Unlimited medical on travel plans. |
| Trust | 8.9Higher | 8.8Broker licensed under 536280 with claims via phone, email and online. |
Where each is licensed and available
| Country | Lemonade | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
Additional countries for Lemonade: 5. Additional countries for WAS Insurance: 1.
Positions in our rankings
| Ranking | Lemonade | WAS Insurance |
|---|---|---|
| Insurance | 31 of 627 | 45 of 627 |
| Pet insurance | 6 of 157 | 8 of 157 |
What we checked
Lemonade
- lemonade.com: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | Lemonade | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Lemonade Insurance Company | Wiseandsilent Pty Ltd |
| Headquarters | United States | Australia |
| Founded | 2015 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Lemonade | WAS Insurance | Median |
|---|---|---|---|
| Premium from | $5below the median | Not confirmed | $11 |
| Excess from | Not confirmed | A$100above the median | A$0 |
Median across 53 listed providers.
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).
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
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.
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
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
Country by country
| Country | Lemonade | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| France | Yes | No |
| Germany | Yes | No |
| Netherlands | Yes | No |
| 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.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.
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