Get an Instant Price Estimate
Choose your plan type, enter a ZIP code, and instantly see estimate premiums from top providers. No email required to see basic figures.
- Interactive ZIP code matching.
- Dynamic plan cost updates.
- Direct link options to lock in quotes.
How the Top Insurers Stack Up
We track coverage highlights and pricing parameters so you can review options side by side.
| Provider | Dog Cost (avg) | Cat Cost (avg) | Deductibles | Reimbursement | Wellness Add-on |
|---|---|---|---|---|---|
| Lemonade | $25 to $55 | $15 to $30 | $100, $250, $500 | 70% to 90% | Yes (Optional) |
| Pumpkin | $35 to $65 | $20 to $40 | $100, $250, $500 | 90% | Yes |
| Embrace | $30 to $60 | $18 to $35 | $200 to $1,000 | 70% to 90% | Yes |
| Healthy Paws | $30 to $50 | $15 to $30 | $100, $250, $500 | 70% to 90% | No |
| Trupanion | $40 to $80 | $25 to $50 | $0 to $1,000 | 90% | No |
| ASPCA | $25 to $45 | $15 to $25 | $100, $250, $500 | 70% to 90% | Yes |
Why We Partner with Lemonade
Lemonade is changing the way people think about insurance. By using smart AI, clean app workflows, and simple policy language, they have become the top choice for pet owners and home renters nationwide.
Get a Lemonade QuoteLightning Fast Claims
Submit a claim on their app and get paid in minutes. No waiting weeks for checks to arrive in the mail.
High Reimbursement Rates
Get up to 90% of your vet or repair bills covered, depending on the deductible configuration you choose.
Giveback Program
Unclaimed premiums go to non-profit organizations chosen by the customers, ensuring money supports social causes.
Active Policies & Claims
Tracking growth and successful claims payouts (2022 to 2026)
How Insurance Saves Lives and Homes
Over the last five years, we have helped thousands of policyholders secure claims for emergencies. Having coverage turns what would be a financial emergency into a simple administrative step.
Hover over the chart bars to inspect active policies and claims processed by our reselling network year by year.
What Our Customers Say
Real feedback from families who found coverage using NovaCover.
"I found Lemonade through this platform when looking for dog insurance. A few months later, my lab needed knee surgery. The claim was settled on the app in under ten minutes."
"Getting renter insurance took less than five minutes. The rates were clear and the pricing tool showed exactly what I needed to buy. Recommended."
"Transparent comparison without the annoying follow up calls. I selected Pumpkin for my cat and the process was extremely smooth."
Frequently Asked Questions
Clear answers to your basic questions about our platform and coverage search.
No. We operate as an insurance comparison partner and reseller platform. We help you find, compare, and connect with top US insurance carriers like Lemonade and Pumpkin. You purchase the policy directly from the carrier you choose.
Not at all. Our search and comparison services are 100 percent free. The pricing you see is the same rate you would get by going directly to the insurer. We partner with carriers who compensate us for referring clients.
We present verified policy terms, price ranges, and claim structures directly from our partner companies. We highlight Lemonade because of their high customer rating, quick claims processing, and competitive rates.