Updated September 29, 2026 · AssureCue Editorial Team
Lemonade vs WAS Insurance
Where Lemonade and WAS Insurance differ
| Compare |  Lemonade |  WAS Insurance |
|---|---|---|
| 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).
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Key differences
- Lemonade scores higher overall: 9.2 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 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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | Lemonade | WAS Insurance |
|---|---|---|
| Cost | 9.2HigherPremiums start at $5 on monthly payments, below the site median of €8.37. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 9.4Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 8.9Higher | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
What each covers
| Insurance types | Lemonade | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | No |
| Travel | No | Yes |
| Pet | Yes | Yes |
Positions in our rankings
| Ranking | Lemonade | WAS Insurance |
|---|---|---|
| Pet insurance | 10 of 161 | 12 of 161 |
Availability and regulation
| Country | Lemonade | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
Additional countries for Lemonade: 5. Additional countries for WAS Insurance: 1.
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 | $16.55 |
| Excess from | Not confirmed | A$100above the median | A$0 |
Median across 60 listed insurance providers.
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
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
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
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
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
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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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