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Available in 37 states (and Washington D.C.), Lemonade offers extremely affordable pet insurance policies for dog and cat owners. Policyholders can visit any licensed vet in the United States and receive up to $100,000 in annual reimbursements, with reimbursements capped at 90% per bill. To be eligible for coverage, pets must be between the ages of 2 months and 13 years.
We recommend Lemonade pet insurance for pet owners prioritizing policy customization and savings. Applicants can tweak the reimbursement rate, annual coverage maximum, and annual deductible on Lemonade’s base policy to find the right balance of coverage and pricing. Lemonade also encourages applicants to further customize their policy, offering a variety of riders and add-ons that increase their coverage, including care such as dental work, examination fees, and preventative care.
Founded in 2015, Lemonade is an insurance company that uses AI technology designed to disrupt the traditional insurer-to-broker-to-policyholder system, with the intention to save policyholders time and money by cutting out the middleman. Lemonade offers a variety of insurance products, including renters insurance, homeowners insurance, car insurance, life insurance, and pet insurance.
Lemonade first began offering pet insurance in July of 2020. Unlike some of its competitors—who are either underwritten or backed by third-party financial institutions—Lemonade underwrites and backs all of its own policies.
Lemonade pet insurance is designed for an easy and speedy application process, with most applicants able to sign up in as few as five minutes.
New applicants start by getting a quote directly from Lemonade’s website. After you answer a few simple questions—such as where you live and how old your pet is—Lemonade sends you an estimated monthly premium price.
Once you receive your baseline quote, you’ll be sent to a page where you can tweak your policy details, add riders, and select a preventative care add-on, as your monthly premium changes in real time with each addition.
If you’re satisfied with your pricing and policy, you can add your credit card and pay your first month’s premium to activate your policy immediately. Within the first 15 days of your policy activation, Lemonade requires you submit a veterinary record (completed within the last 12 months).
Before coverage can fully activate, policyholders must outwait three different waiting periods:
Once a waiting period has ended for a specific health scenario, policyholders can visit any licensed vet in the US, pay the bill out-of-pocket, get an itemized receipt, and send a claim (via app or computer) to Lemonade. If the claim is approved (and if the annual deductible is met), Lemonade will reimburse you per your contract’s reimbursement rate, which is sent via direct deposit.
| Pros | Cons |
|---|---|
| Affordable base plan policy, with up to 20% in discounts | Coverage becomes less affordable with addition of key riders |
| Variety of riders: accident, illness, and preventative care | Unavailable in 15 states |
| Customizable deductible, reimbursement rate, and annual coverage maximum |
Lemonade pet insurance is available in 37 states and the District of Columbia. It is not available (currently) in the following states:
Lemonade offers only one “base” pet insurance policy: accident and illness coverage. This base plan can be customized and expanded via policy selections, riders, and other add-ons, making it feel like Lemonade offers dozens of policies. Below, we’ll cover what’s included with Lemonade’s base coverage, as well as list the various ways to make this plan your own.
Every new applicant must select Lemonade’s accident and illness plan, as it is the foundational policy with which applicants can broaden their coverage. If you’re looking to maximize savings, you can select the accident and illness plan and leave it as-is.
Without add-ons or riders, Lemonade’s accident and illness plan covers the following care that is required as a result of an accident or illness:
Applicants can extend the breadth of their accident and illness coverage with five distinct add-ons:
Lemonade applicants can select one of two Preventative Care add-ons, designed to lower the cost of routine examinations like checkups.
| Base Coverage (Accident and Illness) | Base Coverage + All Add-Ons | Base Coverage + All Add-Ons + Basic Preventative Care | Base Coverage + All Add-Ons + Advanced Prevent- ative Care | |
|---|---|---|---|---|
| Diagnostics | X | X | X | X |
| Procedures | X | X | X | X |
| Medications | X | X | X | X |
| Vet Visit Fees | X | X | X | |
| Physical Therapy | X | X | X | |
| Behavioral Care | X | X | X | |
| Dental Illnesses | X | X | X | |
| End-of-Life Arrangements | X | X | X | |
| Wellness Exams | X | X | ||
| Fecal and Blood Testing | X | X | ||
| Spay/Neuter | X | |||
| Microchip | X | |||
| Flea, Tick, or Heartworm Medication | X |
Just like other pet insurers, Lemonade doesn’t cover every condition or medical scenario. Exclusions include:
Regardless of which add-ons you do (or don’t) select, every Lemonade policy asks applicants to customize the details of their policies. Applicants can alter three specifications, including:
A deductible is the amount of money a policyholder must pay out-of-pocket for veterinary expenses before their coverage reimbursements can kick in. Deductibles reset a year after the activation date.
Lemonade applicants can choose one of three deductibles:
The reimbursement rate is the percentage of a vet bill that a pet insurance company will reimburse. For example, if you just paid a $500 vet bill (that is covered by insurance) and you have a 90% reimbursement rate, you’d be reimbursed $450.
Lemonade offers three reimbursement rates:
A coverage limit is the maximum amount of money an insurance company will reimburse a policyholder for covered veterinary bills. Like deductibles, coverage limits reset a year after the activation of the policy.
Lemonade offers five coverage limits:
Lemonade pet insurance comes with a few restrictions and exclusions to its coverage. You’ll want to keep these in mind before applying:
If your pet shows symptoms of an accident or illness before the end of a given waiting period, the condition will be considered “pre-existing” and not eligible for coverage.
Lemonade has three waiting periods, which begin at the start of coverage activation:
Lemonade’s pet insurance pricing changes from policyholder to policyholder, as pricing is based on personal details such as your location, your pet’s age, your pet’s overall health, and more. To find pricing accurate for you and your pet, we recommend you get a free quote directly from Lemonade’s website.
The following sample pricing is designed to give a ballpark pricing range based on a pet with near-perfect health.
The sample pricing below is based on a dog with these characteristics:
| Base Plan (Accident + Illness) | Base Plan + All Add-Ons | Base Plan + Basic Prevent- ative Care | Base Plan + Advanced Prevent- ative Care | Base Plan + All Add-Ons + Advanced Prevent- ative Care | |
|---|---|---|---|---|---|
| 6 Month Old | $37.41/mo | $85.74/mo | $54.99/mo | $66.09/mo | $114.42/mo |
| 1 Year Old | $33.36/mo | $60.91/mo | $50.94/mo | $81.70/mo | $109.24/mo |
| 3 Year Old | $33.36/mo | $60.91/mo | $50.94/mo | $59.98/mo | $87.53/mo |
| 6 Year Old | $53.43/mo | $75.25/mo | $71.01/mo | $80.05/mo | $101.87/mo |
Prices accurate as of 12/8/2022.
The sample pricing below is based on a cat with these characteristics:
| Base Plan (Accident + Illness) | Base Plan + All Add-Ons | Base Plan + Basic Prevent- ative Care | Base Plan + Advanced Prevent- ative Care | Base Plan + All Add-Ons + Advanced Prevent- ative Care | |
|---|---|---|---|---|---|
| 6 Month Old | $23.08/mo | $46.53/mo | $34.08/mo | $60.50/mo | $83.94/mo |
| 1 Year Old | $20.63/mo | $43.39/mo | $31.63/mo | $58.04/mo | $80.80/mo |
| 3 Year Old | $20.63/mo | $43.39/mo | $31.63/mo | $38.22/mo | $60.98/mo |
| 6 Year Old | $26.91/mo | $40.11/mo | $37.91/mo | $44.50/mo | $57.70/mo |
| 12 Year Old | $68.14/mo | $90.29/mo | $79.14/mo | $85.73/mo | $107.88/mo |
Prices accurate as of 12/8/2022.
Lemonade offers three discounts, all of which can be added onto each other for increased savings.
Lemonade policyholders have access to a suite of helpful tools for filing claims and checking in with the customer service team, such as:
How much is Lemonade pet insurance?
Lemonade pet insurance starts as low as $10/month. To find out your unique pricing, we recommend you visit the Lemonade pet insurance website and get a free quote.
Can I add another pet to my Lemonade pet insurance policy?
Yes, applicants can add a second pet to their Lemonade policy; in fact, policyholders receive a 5% discount for adding an additional pet onto their policy.
Where is Lemonade pet insurance available?
Lemonade is available in 37 states and Washington DC. Lemonade is not available in Alaska, Delaware, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Minnesota, Missouri, South Dakota, Vermont, West Virginia, and Wyoming.
What does Lemonade pet insurance cover?
Lemonade’s base coverage includes diagnostic testing, procedures, and medication relating to a pet’s accident or illness. Applicants can pay for additional coverage, including dental care, examination fees, and preventative care.
Does Lemonade pet insurance cover neutering and spaying?
Yes. Lemonade’s base coverage does not protect neutering and spaying, but its Advanced Preventative Care package provides some reimbursement for these procedures.
We recommend Lemonade pet insurance for pet owners who want a highly customizable, extremely affordable pet insurance experience. In addition to allowing customers to select policy details, Lemonade’s base accident and illness policy is designed to be widened with a variety of add-ons and riders. If you care about finding the right balance between pricing, customization, and protection for your pet, Lemonade has all three.
