Updated September 28, 2026 · AssureCue Editorial Team
Lemonade vs TIPINSURE
What sets them apart
| Compare |  Lemonade |  TIPINSURE |
|---|---|---|
| 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: 9.3 vs 9.2.
- 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 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.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | Lemonade | TIPINSURE |
|---|---|---|
| Cost | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.4Higher | 9.3 |
| Trust | 8.9 | 9.6Higher |
How they place
| Ranking | Lemonade | TIPINSURE |
|---|---|---|
| Car insurance | 14 of 393 | 12 of 393 |
| Home insurance | 15 of 272 | 11 of 272 |
| Life insurance | 10 of 261 | 9 of 261 |
| Pet insurance | 10 of 161 | 8 of 161 |
What each covers
| Insurance types | Lemonade | TIPINSURE |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | No |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Critical illness | No | Yes |
What we checked
Lemonade
- lemonade.com: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
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 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
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
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
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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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