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Lemonade Pet Insurance Review May 2024

Lemonade Pet Insurance review
KEY TAKEAWAYS
  • Lemonade Pet Insurance offers a comprehensive base plan that covers unexpected accidents and illnesses.
  • You can tailor your coverage to meet your pet’s needs by purchasing a preventative care package or an add-on like physical therapy and dental illnesses.
  • Customer reviews are generally positive, with reviewers praising the affordable rates, friendly customer service and easy claims process.
  • Lemonade offers various pricing options, and there are discounts for insuring multiple pets or bundling policies.
  • To see how Lemonade compares to other providers, we recommend using an online comparison tool. This will allow you to easily view multiple quotes and coverage options at one time.
SUMMARY

Lemonade Pet Insurance is a great choice if you value a smooth digital experience. Claims, payments, and account details can be easily managed through their mobile app, which has excellent reviews and a 4.9 out of 5 star rating on the App Store.

The policies are affordable, customizable, and offer comprehensive coverage for accidents and illnesses. You can bundle your pet insurance policy with Lemonade’s other offerings like car, home, or renters insurance for even more savings.

Our Lemonade Pet Insurance Review will help you compare the benefits they offer and decide if a Lemonade plan is right for you.

Best for Pet Parents on a Budget
GET A QUOTE on Lemonade's secure website
4.8
Maximum annual coverage
$5,000 - $100,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$100, $250, $500

Is Lemonade Pet Insurance worth it?

Lemonade pet Insurance is worth it if you’re looking for an affordable accident and illness plan that you can easily manage through a highly reviewed app.

Like all of the best pet insurance companies, there are both positives and negatives you need to consider before signing up.

Here are the main pros and cons of using Lemonade Pet Insurance:

Pros
  • Affordable rates
  • Covers accidents and illnesses
  • Donates leftover premiums to charitable organizations
  • Highly rated mobile app experience
  • 2-day waiting period for accidents
  • Preventive care plans available
Cons
  • Not available in all states
  • No accident-only plan available
  • Doesn’t offer unlimited coverage
  • No 24/7 pet telehealth service available
  • Age restrictions
  • Vet exam fees are extra

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Lemonade Pet Insurance plans and coverage

Lemonade offers a base plan that includes both accidents and illnesses, thus ensuring your pet has nose-to-tail coverage. This plan covers everything you would expect from a highly reviewed pet insurance company, like bloodwork, diagnostic testing, and emergency care. It also covers things some competitors don’t, like prescription medications and specialist care.

Lemonade accident and illness plan

  • Accidents like broken bones, swallowed objects or car accidents
  • Illnesses like upper respiratory infections, ear infections, vomiting or diarrhea
  • Hereditary and congenital conditions like hip dysplasia, hernias and eye disorders
  • Cancer treatment
  • Diabetes
  • Arthritis
  • Allergies
  • Treatment of parasites like fleas and heartworms
  • Blood tests and lab work
  • Diagnostic imaging like? X-rays, CT scans, MRIs and ultrasounds
  • Surgery and hospitalization, including IV fluids and medical supplies
  • Emergency care
  • Specialist care
  • Prescription medications

The base plan doesn’t cover dental diseases and tooth extractions, which is something some competitors (like Pumpkin Pet Insurance or Fetch Pet Insurance) do include. If pet dental insurance is important to you, Lemonade does offer an add-on package that includes this coverage.

Lemonade Pet Insurance add-on packages

Once you purchase a base pet insurance policy from Lemonade, you can opt for add-ons to extend your pet insurance coverage and give you extra peace of mind.

These additional services can include things like physical therapy, exam fees for covered conditions, end-of-life care, dental illnesses and treatment for behavioral conditions.

For example, if your cat develops gum disease, a common dental illness, you may be able to use your Lemonade policy to cover the cost of treating it. You can pack any individual add-on, or mix and match up to all five if you choose. Each one comes at an additional cost to your base plan.

Lemonade Pet Insurance plan add-ons (you can select individually)

  • Exam fees for accident and illness vet visits
  • Physical therapy, acupuncture and hydrotherapy
  • Dental illnesses including tooth extractions, root canals, gingivitis and periodontal disease
  • Vet-recommended therapy and treatment for behavioral conditions like separation anxiety or aggression
  • End of life services like euthanasia, cremation and remembrance items or memorials.

Lemonade Pet Insurance wellness plans

In addition to the individual add-on offerings, Lemonade has two wellness plans: Preventive Care and Preventive Care+.

Wellness packages can be added onto your base Lemonade Pet Insurance plan to cover expenses for routine care like vaccines and check-up appointments. Lemonade tailors their preventative care plans to fit your pet based on their age, and offers options for kittens and puppies as well as adult cats and dogs.

We’ve broken down what the policies cover, and the limits you can expect them to reimburse you for (based on a policy with 80% coinsurance)

Optional add-on

Preventive Care plan coverage for puppies & kittens (and limits)

  • Two wellness exams ($100)
  • Annual blood test ($65)
  • One feline leukemia (FeLv)/feline immunodeficiency virus (FIV) test or one heartworm test ($40)
  • Spaying/neutering ($120)
  • Microchipping ($40)
  • Two fecal or internal parasite tests ($70)
  • Up to six boosters or vaccines ($150)
  • Flea, tick or heartworm medication ($65)

Optional add-on

Preventive Care plan coverage for adult dogs & cats (and limits)

  • One annual wellness exam ($50)
  • One feline leukemia (FeLv)/feline immunodeficiency virus (FIV) test or one heartworm test ($40)
  • One fecal or internal parasite test ($35)
  • Annual blood tests ($65)
  • Up to three boosters or vaccines ($75)

If you upgrade to the Preventive Care+ wellness plan, your adult dog or cat will also get routine dental cleanings and flea, tick or heartworm medication.

Optional add-on

Preventive Care+ plan coverage

  • One annual wellness exam ($50)
  • One feline leukemia (FeLv)/feline immunodeficiency virus (FIV) test or one heartworm test ($40)
  • One fecal or internal parasite test ($35)
  • Annual blood test ($65)
  • Up to three boosters or vaccines ($75)
  • Flea/tick or heartworm medication ($65)
  • Routine dental cleaning, including x-rays, anesthesia, and polishing ($150)
Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

Lemonade Pet Insurance exclusions

As with all other pet insurance providers, there are some things that are excluded from coverage.

What’s not covered

  • Pre-existing conditions
  • Incidents that occur before the waiting period ends
  • Things not related to accidents and illnesses
  • Preventable conditions
  • Non-traditional therapies
  • Treatments that took place more than 180 days ago

We explain these exclusions in more detail below.

Pre-existing conditions

A pet insurance pre-existing condition is a health problem that your pet shows signs or symptoms of before the relevant waiting period expires. Lemonade Pet Insurance will not cover any expenses arising from such health issues. However, some illnesses that are considered curable may be covered after 12 months with no symptoms, but this is only available in some states. It’s best to check your policy details to see if you qualify.

Incidents that occur before the waiting period ends

If something happens after your policy start date but before the waiting period ends, Lemonade will not reimburse you for the expenses. We’ll cover more details about Lemonade waiting periods in the next section.

Bilateral conditions

A bilateral condition is anything that can affect both sides of your pet’s body. For example, if your dog has a problem in one ear, there’s a chance it could develop the same issue in its other ear.

Lemonade will not provide coverage if one side of your pet’s body shows signs of bilateral conditions before purchasing a policy. However, Lemonade will cover bilateral conditions if the first occurrence appears after your policy starts.

Lemonade’s base plan doesn’t cover routine vet visits or other services that aren’t related to a specific illness or injury. However, you can get more coverage for routine care for your pet by purchasing add-ons or a preventative care package.

Preventable conditions

Lemonade doesn’t cover bills related to conditions that you could have prevented. This includes conditions related to abuse, neglect and dog fighting.

Non-traditional therapies

Lemonade won’t typically cover non-traditional therapies like CBD or aromatherapy. However, if you purchase the physical therapy add-on, your pet may be eligible for some types of treatments like hydrotherapy or acupuncture for covered accidents or illnesses.

Treatments from more than 180 days ago

With Lemonade, you have 180 days to file a claim after treatment to be eligible for coverage. Be sure to check your specific policy, however, because some states have different requirements. For example, you must file a claim within 90 days of treatment if you live in Texas.

Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

How much does Lemonade Pet Insurance cost?

The cost of pet insurance depends on the following factors:

1

Coverage details

Your deductible, annual coverage limit and co-insurance all have an impact on the cost of your pet insurance. Additionally, you’ll pay more for coverage if you purchase an add-on or enroll your pet in one of Lemonade’s preventive care packages.

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2

Location

Insurance companies like Lemonade base their prices on many factors, including how much vets charge for their services. If you live in an area with a high cost of living, your vet may have to charge above-average prices to keep their practice running, increasing the cost of your pet insurance.

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3

Pet age

As pets age, they may develop diabetes, cancer or other chronic diseases. Insurance companies account for the increased risk by charging more for older pets.

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4

Pet breed

Some breeds have more health concerns than others. If your dog or cat is one of them, you’ll pay more for pet insurance.

See More See Less

We requested quotes for different cat and dog breeds to show you how your pet’s age and breed affect the cost of Lemonade insurance.

We applied these details for all quotes:

Lemonade dog insurance pricing

The quotes in the table below are for dog insurance. The cost of a Lemonade pet insurance policy ranged from $30 to $87 for a one year old dog and increased to $38 to $117 for a five year old dog, depending on the breed.

Dog breed Monthly cost for a one-year-old dog Monthly cost for a five-year-old dog
French Bulldog $87 $117
Golden Retriever $51 $69
Chihuahua $30 $38

Don’t see your dog’s breed listed? Get a free quote to find out exactly how much your Lemonade Pet Insurance policy will cost based on your dog’s breed and age. Get a quote ){: .btn-cta .btn-cta-responsive}

Lemonade cat insurance pricing

The quotes below are for cat insurance. Lemonade pet insurance policies for cats ranged in price from $24-$26 for a one year old cat and increased to $25 to $33 for a five year old cat, depending on breed.

Cat breed Monthly cost for a one-year-old cat Monthly cost for a five-year-old cat
American Shorthair $24 $25
Ragdoll $24 $32
Maine Coon $26 $33

Get a free quote to find out exactly how much your Lemonade Pet Insurance policy will cost based on your cat’s details. Get a quote ){: .btn-cta .btn-cta-responsive}

Does Lemonade offer any discounts?

Lemonade offers a 5% multi-pet discount if you enroll two or more pets. You may qualify for an additional discount if you bundle pet insurance with another type of policy offered by Lemonade, like car, home, renters, or life insurance. All bundled policies are managed through the same easy-to-use app.

Lemonade also offers a discount if you choose to pay annually as opposed to monthly.

Lemonade Pet Insurance coverage options

When you sign up for Lemonade insurance, you get to choose a deductible, reimbursement rate and annual coverage limit.

If you choose a high reimbursement, high maximum coverage, and low deductible, your monthly premium costs will be higher. If you’re looking for a cheap pet insurance plan, choosing a low reimbursement, low annual maximum, and high deductible will give you a lower monthly premium price.

Try out different combinations to find a plan with the right coverage to fit your budget.

These are Lemonade’s coverage options:

Deductible

This is how much you have to pay before you can use your pet insurance benefits. The lower your deductible, higher your monthly premium will be.

Lemonade gives you deductible options:

Reimbursement rate

When you file a claim, Lemonade reimburses you for a certain percentage of your expenses. This is also known as your co-insurance.

For example, if you have a covered vet bill for $100 and your policy has a 70% reimbursement rate, Lemonade would give you $70 back once your claim was approved.

Your monthly premium will be higher if you choose a higher percentage, and lower if you choose a lower reimbursement percentage.

You can choose a reimbursement rate of:

Annual coverage limit:

This is the maximum amount of money an insurance company will pay out in one year. The higher your annual limit, the more you pay for coverage.

Lemonade offers the following annual limit options:

Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

Lemonade Pet Insurance waiting period and age restrictions

Lemonade has waiting periods and other restrictions you need to know about before you buy a policy.

Lemonade Pet Insurance waiting periods

A pet insurance waiting period is the amount of time that must pass after you enroll before you can use your benefits. Lemonade has a two-day waiting period for accidents, and 14-day waiting period for illnesses, and a six-month waiting period for cruciate ligament issues.

Lemonade Pet Insurance age restrictions

Although it’s important to insure your pet as early as possible, Lemonade doesn’t issue policies for pets under eight weeks old. There are also upper age limits to enroll, which change depending on your pet’s breed. Keep in mind, once your pet is signed up for coverage, Lemonade will never cancel your policy based on your pet’s age.

Lemonade Pet Insurance reviews

More than 1,000 Trustpilot users have given Lemonade a five-star rating for its pet insurance.

According to satisfied customers, Lemonade has a simple claims process, helpful customer service agents and affordable rates.

Lorie Howard writes, “I highly recommend Lemonade to anyone that is looking for an affordable, easy to navigate, great customer service pet insurance.”

Molly G. agrees, stating, “The team at Lemonade makes it so easy to submit claims and get them approved! 10/10 recommend Lemonade to all pet owners.”

Here’s how Lemonade compares to Healthy Paws and Figo.

Category Lemonade Healthy Paws Figo
Accident waiting period 2 days 15 days 1 day
Illness waiting period 14 days 15 days 14 days
Deductible options $100, $250 or $500 $50, $100, $250, $500, $750 or $1,000 $100, $250, $500, $750, $1,000 or $1,500
Annual limit $5,000, $10,000, $20,000, $50,000 or $100,000 Unlimited $5,000, $10,000 or unlimited
Reimbursement options 70, 80% or 90% 50%, 60%, 70%, 80% or 90% 70%, 80%, 90% or 100%
Wellness plan available? Yes No Yes

How does Lemonade Pet Insurance compare to other providers?

Use the table below to compare coverage offered by Lemonade Pet Insurance to other top providers like Pumpkin Pet Insurance, Metlife Pet Insurance, CarePlus by Chewy, and more.

Compare Coverage
Accident & Illness Coverage
Available
Available
Accident-Only Coverage
Not Available
Not Available
Surgery
Covered
Covered
Hereditary and Congenital Conditions
Covered
Covered
Chronic Conditions
Covered
Covered
Dental Disease
Add On
Covered
Allergies
Covered
Covered
Cancer Treatment
Covered
Covered
Physical Therapy
Add On
Covered
Alternative Therapies
Add On
Covered
Behavioral issues
Add On
Covered
Breed Specific Issues
Covered
Not covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Not covered
24/7 Vet Chat
Covered
Not covered
Specialist Visits
Covered
Covered
Exam Fees
Add On
Covered
Blood Tests
Add On
Covered
Laboratory Testing
Covered
Covered
X-Rays & CT Scans
Covered
Covered
Wellness Coverage
Add On
Add On
Prescription Medication
Covered
Covered
Prescription Food
Not covered
Covered
Microchipping
Add On
Covered
Boarding
Not covered
Not covered
Euthanasia
Add On
Covered
Max Enrollment Age
14 years
No Max
Accident Waiting Period
2 days
14 days
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
6 months
14 days

Lemonade Pet Insurance claims

Lemonade has a simple claims process:

  1. Open the Lemonade app.
  2. Record a short video or voice message to explain what happened during the vet visit.
  3. Upload your invoice/receipt and a detailed record from the visit.

Once Lemonade approves your claim, you’ll receive the money via wire transfer. Around 50% of Lemonade pet insurance claims are handled instantly.

Make sure you file your claim within 180 days of each vet visit. If you have a policy in Texas, you only have 90 days to file.

About Lemonade Pet Insurance

Lemonade uses artificial intelligence to assess risk, which allows the company to offer competitive pricing on homeowners, renters, auto, term life and pet insurance.

As of September 1, 2023, Lemonade Pet Insurance is available in 37 states and the District of Columbia.

Lemonade Pet Insurance is not available to customers in the following states:

  • Alaska
  • Delaware
  • Hawaii
  • Idaho
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Minnesota
  • South Dakota
  • Vermont
  • West Virginia
  • Wyoming

Lemonade Pet Insurance FAQs

Is Lemonade Pet Insurance any good?

Lemonade is a reputable company with a variety of pet insurance options. It also has more than 1,000 five-star ratings on Trustpilot, indicating that the company has many satisfied customers. Lemonade’s pet insurance offerings are comparable to the plans offered by other insurers.

Can I add another pet to my Lemonade Pet Insurance?

Yes. In fact, Lemonade offers a multi-pet discount, thus making pet insurance a little more affordable if you have more than one pet policy.

Does Lemonade work with any vet?

Yes. You can see any licensed vet in the United States, as long as they are licensed to provide treatment in that state. Lemonade reimburses you for covered vet bills, so you don’t have to worry about choosing an in-network provider. All you have to do is submit a claim for each service.

Will Lemonade pay the vet directly?

No, Lemonade Pet Insurance does not offer an option for direct vet payments. You’ll need to pay the vet out of pocket and submit your receipt to Lemonade as a claim. Once your claim is approved, Lemonade will reimburse you for all covered expenses.

If you are looking to limit your up-front expenses at the vet’s office, check out our best direct pay pet insurance guide.

Am I allowed to make changes to my Lemonade policy?

Once you enroll, you can make changes to your Lemonade insurance policy for up to 14 days. If you don’t make changes right away, you’ll have to wait until your renewal date, which occurs 12 months after your initial enrollment.

How do I cancel my Lemonade plan?

To cancel your Lemonade insurance policy anytime, call (844)733-8666 or email help@lemonade.com.

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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