Updated September 28, 2026 · AssureCue Editorial Team
Lemonade vs MoneyHero
Lemonade vs MoneyHero: the differences
| Compare |  Lemonade |  MoneyHero |
|---|---|---|
| Premium from | $5 | HK$89.49 |
| Insurance types | Auto, Home, Renters, Life, Pet | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Cover limit | Up to $100,000,000 | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Excess from | Not confirmed | HK$2,500 |
| Claims channels | App, Phone, Email | Not confirmed |
| Age range | Not confirmed | No upper age limit on single-trip travel plans |
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.
Key differences
- Lemonade scores higher overall: 9.2 vs 8.8.
- Founded is lower at MoneyHero: 2013 vs 2015.
- Lemonade is available in 4 more countries.
- Insurance types: only Lemonade offers Renters.
- Insurance types: only MoneyHero offers Travel, Critical illness, Health.
Our verdict on each
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | Lemonade | MoneyHero |
|---|---|---|
| Cost | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.4 | 9.7Higher |
| Trust | 8.9Higher | 8.3 |
What each covers
| Insurance types | Lemonade | MoneyHero |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | Yes | Yes |
| Critical illness | No | Yes |
Licences and countries
| Country | Lemonade | MoneyHero |
|---|---|---|
| Hong Kong | Not confirmed |
Additional countries for Lemonade: 5. Additional countries for MoneyHero: 1.
Pick Lemonade if, pick MoneyHero if
Pick Lemonade if cost and trust matter most.
Pick MoneyHero if offer matter most.
How they place
| Ranking | Lemonade | MoneyHero |
|---|---|---|
| Car insurance | 14 of 393 | 27 of 393 |
| Home insurance | 15 of 272 | 24 of 272 |
| Life insurance | 10 of 261 | 17 of 261 |
| Pet insurance | 10 of 161 | 13 of 161 |
Every fact side by side
| Fact | Lemonade | MoneyHero |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Lemonade Insurance Company | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | United States | Hong Kong |
| Founded | 2015 | 2013Lower |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Help centre, Chat |
Pros and cons
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
Who each suits
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
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
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | Lemonade | MoneyHero |
|---|---|---|
| France | Yes | No |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Netherlands | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | No |
Questions about each
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
Other options to compare
Other matchups
- Lemonade vs Income Insurance
- Lemonade vs Hiscox UK
- MoneyHero vs Principal
- MoneyHero vs Aviva
- MoneyHero vs Barmenia
- MoneyHero vs Guardian1821
- MoneyHero vs Mutual of Omaha
- Lemonade vs HanseMerkur Reiseversicherung AT
- MoneyHero vs HanseMerkur
- Lemonade vs Linxea
- Lemonade vs andsafe
- Lemonade vs MSIG Insurance (Thailand)
- Lemonade vs TIPINSURE
- Lemonade vs Acko
- Lemonade vs Getsafe
- Lemonade vs WAS Insurance
- Lemonade vs YouSet
- Lemonade vs hotline.finance