Our Final Verdict
We give Lemonade Pet Insurance a rating of 4.5 out of 5 stars.
Lemonade provides pet insurance for unforeseen moments in your pet’s life. Like many pet insurance companies, Lemonade offers affordable policies for puppies, kittens, adult dogs, cats, and every age in between.
However, Lemonade’s options are what set it apart—you can keep the cost lower by selecting Accident and Illness only or add Preventative packages for a more complete coverage option. You can also choose your annual deductible, co-insurance, and maximum yearly limit to best suit your situation.
Lemonade’s business model is a little different than most insurance companies. With their Giveback program, unclaimed portions of premiums go towards supporting non-profits.
Lemonade Pet Insurance Review
Pros
- Affordable
- Wide range of coverage options extending beyond accident and illness
- 4 Deductible options
- Short waiting periods
- Tech-savvy, ease of purchasing policies and filing claims
- Regular vet visits and associated costs like vaccinations, exams, and more can be covered under the Preventative Care Package
Cons
- Only available in 37 States
- Does not cover pre-existing conditions
About Lemonade
If you’ve recently welcomed a new furry friend home, you probably purchased all the predictable things, like food dishes, collars, toys, leashes, and more – but what about preparing yourself (and your pet) for the unpredictable? That’s where Lemonade pet insurance comes in.
Lemonade’s policies cover dogs and cats from eight weeks old. Lemonade provides Accident and Illness coverage in a Base plan. For the extras, their Preventative Care packages and add-ons can help cover the rest (with some exceptions).
Lemonade is great for pet owners in 37 US States (and Washington DC) but isn’t available everywhere just yet, though they’re working to expand into the remaining 13 states.
Lemonade is a certified B Corp and Public Benefit Corporation and insists they’re taking the insurance world from “a necessary evil and turning it into a social good”.
The Lemonade Giveback and their unique business model works a little like this. Upon signing up, policyholders can pick a non-profit of your choice, and at the end of the year, unclaimed money goes to the charities policyholders choose. Lemonade takes a portion of it to cover insurance costs, but the rest moves to your chosen charitable bank account, doing great things.
Since 2017, Lemonade’s Giveback business model has given over $8,000,000 to non-profits and charities.
Pricing and Plans (Updated in 2024)
* Based on a 2-year-old Labrador in Chicago
| Company | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Learn More |
| Lemonade | $30.45 | $13.91 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Policy
Lemonade’s base policy covers diagnostics, procedures, and medications. This Base policy applies to illnesses like cancers, UTIs, and broken bones, but only if the patient has not experienced the illness or accident before your insurance coverage. This would make the condition a pre-existing condition. It is not to be confused with recurring conditions, as these are now covered.
A recurring condition is an ailment that returns more often due to external events (such as ear infections after swimming). Within Lemonade’s policy, they insist all reasonable efforts will be made to stop this from re-occurring, ensuring you provide adequate care, like a doggy swim cap. Yep, it’s a thing!
Customizations
If covering the oopsies and uh-ohs makes you feel good, you can bump your plan with preventative care options and add-ons.
There are 3 preventative packages. Below are the different choices;
Here’s what can be covered as a part of Lemonade’s Preventative Care Package:
- 1 Wellness Exam – Up to $50/yr
- 1 Fecal or Internal Parasite Test – Up to $35/yr
- 1 Bloodwork – Up to $65/yr
- 3 Vaccines – Up to $75/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
based on 80% co-insurance
This is what can be covered as a part of their Preventative+ Care Package:
- 1 Wellness Exam – Up to $50/yr
- 1 Fecal or Internal Parasite Test – Up to $35/yr
- 1 Bloodwork – Up to $65/yr
- 3 Vaccines – Up to $75/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
- Flea/Tick or Heartworm Medication – Up to $65/yr
- Routine Dental Cleaning – Up to $150/yr
*based on 80% co-insurance
And what can be covered as a part of the Puppy/Kitten Preventative Care Package:
- 2 Wellness Exams – Up to $100/yr
- 2 Fecal or Internal Parasite Tests – Up to $70/yr
- 1 Bloodwork – Up to $65/yr
- 6 Vaccines – Up to $150/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
- Flea/Tick or Heartworm Medication – Up to $65/yr
- Spay/Neuter Procedure – Up to $120
- Microchip – Up to $40
*based on 80% co-insurance
And these 5 add-ons:
Vet Visit Fees:
With the vet visit add-on, we’ll help pay for vet visit fees that are charged for eligible accidents and illnesses.
Some veterinarians charge a fee for their time and labor in addition to the actual cost of treatment, which is covered by a base accident and illness policy.
For example, Lemonade offers add-ons such as physical therapy, dental illness coverage, behavioral conditions coverage, and end-of-life and remembrance coverage for an additional fee. These add-ons can help cover various treatments and therapies related to specific conditions or situations that may arise with your pet.
Additionally, Lemonade provides different payment options with varying deductibles, co-insurance, and annual limits for dogs and cats, which can affect your monthly premium. The price ranges for these options are laid out in a comparison table, giving you a clear understanding of the cost variances.
When it comes to filing claims, Lemonade makes the process easy and straightforward. Claims must be made within 180 days of the event, and after paying your annual deductible, Lemonade will cover a percentage of your eligible vet bills.
Lemonade’s base policy covers diagnostics, procedures, and medications. You also have the option to include additional coverage for vet visit fees, preventative care, and more for an extra monthly fee. However, certain conditions and treatments, like pre-existing conditions, non-traditional therapies, and cosmetic surgeries, are not covered under the base policy.
Overall, Lemonade’s pet insurance has received positive reviews for its affordability and ease of use, particularly through their app. However, it’s important to note that certain conditions and treatments may not be covered under the base policy, so additional coverage options may be necessary for comprehensive protection. Even with an initial payment required, filing an insurance claim for your pet is a simple process that can be started while you wait at the vet’s office, ensuring that the coverage amount is deposited into your bank account quickly.
**Frequently Asked Questions**
**How do I get a quote for a Pet Policy?**
Getting a quote for a Pet Policy is quick and easy. Simply visit lemonade.com and provide information about your pet such as their name, age, breed, and any known conditions. After selecting your desired plan and coverage, a quote will be generated within minutes.
**Are there discounts for multiple pets?**
Yes, there are discounts available for households with multiple pets. Additionally, if you have Lemonade renters, homeowners, or car insurance, you may qualify for an annual payment and bundling discount.
**If my pet has a pre-existing condition, can I still get insurance?**
Yes, you can still get insurance for your pet even if they have a pre-existing condition. However, any pre-existing or related ailments will not be covered under the policy.
**Will I have to pay upfront?**
Yes, for this policy, you will need to pay the vet bills upfront and then be reimbursed once your claim is approved.
**What if I have a question that I’m unsure warrants a vet visit?**
With your Lemonade Pet Policy, you have access to Connect with a Vet online chat for any questions or concerns.
**Our Verdict**
Lemonade’s pet policy offers competitive pricing for a variety of coverage options. It is recommended to purchase insurance before any issues arise to save on costs and ensure protection in case of accidents. The policy is transparent and easy to understand, making the claims process straightforward. Investing in a pet policy is as simple as picking out a new collar and can provide long-term savings. story in your own words.