Lemonade Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer

Updated Nov 26, 2024 | 19 min read

4.4

2,009 Consumer Reviews

Trustpilot, August 2023

Accidents

& Illness

Plans Offered

Routine Care

Add-On

Available

Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.

Pricing

Lowest Price For Dogs

$10/ month*

Lowest Price For Cats

$10 / month*

One-time Enrollment Fee

N/A

Coverage Options

Annual Deductible

$100, $250, $500, or $750

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

$5,000, $10,000, $20,000, $50,000, or $100,000

Waiting Periods

Accidents

2 days (0-day waiting period in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA)

Illnesses

14 days

Cruciate Ligament Injuries, Hip Dysplasia, Orthopedic Conditions

30 days in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TN, TX, UT, WA; 180 days in AZ, CA, CO, FL, MA, MI, MO, MT, NC, ND, NJ, NV, NY, OK, OR, PA, RI, VA, WI; all other states 6 months

Wellness

1 day

Filing a Claim

File Claims

through the app

Claim Expiration

within 180 days of the accident or illness occurrence (90 days in TX)

Average Claim Reimbursement

2 days

Enrollment Requirements

Age at Enrollment

varies by breed

Residency Requirement

valid US address

Get personalized pet insurance advice you can count on

See Your Recommended Plan

Lemonade Pet Insurance was crafted by veterinarians to provide peace of mind for when the unexpected happens, enabling pets to receive the care they need without concern over cost.

Founded in 2015, the innovative company was one of the first insurance providers to harness artificial intelligence to process claims more efficiently, resulting in lightning-fast reimbursements and a hassle-free experience managed exclusively through the app.

With a wide range of add-ons and customizable terms, you can create a bespoke plan that allows you to only have to pay for the coverage you need. And, by bundling your pet protection with auto or renter's insurance, policyholders stand to save hundreds of dollars per year.

Read the rest of our Lemonade Pet Insurance review to find out if it’s a good fit for you.

Pros

Works at any licensed vet
Half of claims are settled instantly and paid within 48 hours
Direct reimbursement
Short waiting periods
Discounts for policy bundles
Access to veterinary experts through Chewy's Connect With A Vet service
Customize your policy with optional coverage for vet visit fees, preventive care, and more
Covers curable pre-existing conditions after one year in most states

Cons

Only available in 37 states and DC
No accident-only coverage
No unlimited annual coverage option
Doesn’t cover some conditions that other providers do

JUMP TO:

Lemonade offers an Accident & Illness plan with comprehensive coverage plus optional add-ons for routine care, exam fees, dental illnesses, physical therapy, behavioral conditions, and end-of-life care.

You can also customize your policy details with up to 90% co-insurance and an annual limit of $100,000, so you can get a policy that suits your pet’s needs as well as your budget.

What's Covered

Accidents & Illnesses
Breed-specific conditions
Congenital conditions
Chronic conditions
Cancer treatment
Prescription medications
Emergency room visits
Hospitalization
Imaging (X-rays, CT scans, MRIs, and ultrasounds)
Curable pre-existing conditions if no symptoms are present after one year (in most states)

Optional Add on: Routine Care

What's Not Covered

Diagnostic exam fees*
Holistic care
Alternative therapies*
Dental cleanings and orthodontics*
Therapeutic diets
Behavioral modification*
Obedience training
Lost pet advertising and reward
Canceled vacation fee reimbursement
Boarding fees due to owner hospitalization
End-of-life care*
Preventable conditions
Pregnancy-related complications
Bilateral conditions
Pre-existing conditions

*Can be covered with supplemental policy riders

View Coverage Details

Expert Insights

Does Lemonade Pet Insurance cover dental?

"Yes, all Lemonade Pet Insurance plans cover new dental injuries. They also offer supplemental coverage for the cost to diagnose and treat new dental illnesses up to $1,000 per year. This includes tooth extractions, crowns, root canals, surgeries, and treatments related to periodontal disease. Expenses related to pre-existing conditions, orthodontics, and preventive care (such as routine teeth cleaning) are excluded from coverage."

Kari Steere

Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Routine Care Add-On

If you would like to add coverage for routine care to your standard pet insurance policy, Lemonade wellness plans are available in three different tiers: Preventative Care, Preventative+ Care, and Preventative Care For Puppies and Kittens.

See which wellness services are included with each package below (coverage estimates are based on a co-insurance rate of 80%).

Preventative Care

1 Wellness exam (up to $50/year)
1 fecal or internal parasite test (up to $35/year)
1 Bloodwork (up to $65/year)
3 Vaccines (up to $75/year)
1 Heart worm FeLV/FIV test (up to $40/year)

Preventative Care+

1 Wellness exam (up to $50/year)
1 fecal or internal parasite test (up to $35/year)
1 Bloodwork (up to $65/year)
3 Vaccines (up to $75/year)
1 Heart worm FeLV/FIV test (up to $40/year)
Flea/Tick or Heartworm Medication (up to $65/year)
Routine Dental Cleaning (up to $150/year)

Preventative Care For Puppies And Kittens

2 Wellness exam (up to $100/year)
2 Fecal or Internal Parasite Tests (up to $70/year)
1 Bloodwork (up to $65/year)
6 Vaccines (up to $150/year)
1 Heartworm or FeLV/FIV Test (up to $40/year)
Flea/Tick or Heartworm Medication (up to $65/year)
Spay/Neuter Procedure (up to $120)
Microchip (up to $40)

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It?

Additional Policy Riders

Apart from its wellness plans, Lemonade offers other add-ons known as "policy riders" that expand your plan's coverage and enable you to get reimbursed for additional types of veterinary expenses.

These can be especially helpful for owners of pets whose breeds are known to have certain hereditary conditions. For example, if your dog may be more prone to cruciate ligament conditions, you might want to add the Physical Therapy rider to your policy for additional peace of mind in the event of an injury.

Here is the complete list of Lemonade Pet Insurance coverage add-ons you can choose from:

Vet Visit Fees: covers the cost of examinations related to eligible accidents and illnesses
Physical Therapy: covers the cost to treat functionality issues caused by an unexpected injury or illness including modalities such as hydrotherapy, acupuncture, and chiropractic care
Dental Illness: covers diagnostics, treatments, procedures, and medications related to a new dental illness, such as periodontal disease, up to $1,000 per year
Behavioral Conditions: covers diagnostics and treatments administered by a vet or licensed behavioralist for eligible conditions, such as separation anxiety, phobias, excessive barking, aggression, and destructive behaviors, with an annual limit of $1,000 (visit fees and medications are included within the base plan's annual limit)
End-of-Life and Remembrance: covers expenses such as vet-recommended euthanasia, cremation, and commemorative items (such as an urn, paw prints, digital photos, and even a tattoo), but excludes costs related to a funeral, burial, taxidermy, mummification, and cloning

Note: All Lemonade Pet policy riders are subject to your plan's co-insurance, annual deductible, and waiting period. Not all packages and add-ons may be available to all pets or in all states.

How it Works

Lemonade Pet Insurance reimburses 70, 80, or 90% of your eligible veterinary expenses up to $100,000 per year (after your deductible has been paid). You can easily manage your policy and submit claims directly through the Lemonade Pet Insurance app and, in most cases, get repaid in as little as 48 hours.

1. Visit any licensed veterinarian, specialist, or emergency doctor — no referral is needed.

2. Pay for the visit upfront out-of-pocket at the time of your appointment.

3. File a pet insurance claim with Lemonade through their app.

4. Get reimbursed for a percentage of eligible veterinary expenses (depending on your plan's coverage).

LEARN MORE : Pet Insurance & How It Works: A Pet Parent's Guide

Lemonade Pet Insurance Waiting Period

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective.

How soon you are eligible for claim reimbursement varies by provider and the type of incident you need coverage for. In most states, the waiting periods for Lemonade Pet Insurance are as follows:

Accidents: 0-day waiting period for accidents in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA; all other states 2 days
Illnesses: 14 days
Orthopedic Conditions (including hip dysplasia, luxating patella, and Intervertebral Disc Disease): 30 days in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TN, TX, UT, WA; 180 days in AZ, CA, CO, FL, MA, MI, MO, MT, NC, ND, NJ, NV, NY, OK, OR, PA, RI, VA, WI; all other states 6 months
Cruciate Ligament Injuries: 6 months
Wellness: 1 day

Filing a Claim

Window to File: 180 days for all states other than Texas, which has a 90-day expiration
Filing Requirements: invoice or receipt and SOAP notes from the vet visit pertaining to the incident
Average Claim Reimbursement: 50% of claims are processed instantly and paid within 24 to 48 hours
Reimbursement Methods: direct deposit or check

See how much Lemonade insurance costs for your pet

Get a Quote

Lemonade Pet Insurance Cost

Lemonade offers some of the most affordable pet insurance rates in the industry. Plans are fully customizable, so you can tailor your plan to fit the needs of your pet and your budget.

Lowest Price for dogs:

$10 / month

Lowest Price for cats:

$10 / month

Sample Prices

The estimated costs for Lemonade Pet Insurance seen below are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, TX.

Breed of Pet	6 Months Old	3 Years Old	10 Years Old
French Bulldog	$42.14	$39.78	$76.50
Labrador Retriever	$39.82	$31.83	$66.49
Domestic Shorthair Cat	$17.17	$20.90	$28.92

 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

Lemonade offers its policyholders several valuable ways to save money on the cost of pet insurance:

Receive a bundle discount by combining your pet insurance with other Lemonade products
Get a multi-pet discount for enrolling additional pets
Enjoy an annual discount by making yearly payments versus monthly installments

Note that all Lemonade Pet Insurance discounts will apply only to the premium rate of the base Accident & Illness plan, in addition to the Vet Visit Fee and Physical Therapy add-ons. Discounts do not apply to Preventive Care packages or other policy riders.

Lemonade Pet Insurance Customer Service

Lemonade Pet Insurance reviews often praise the provider's transparency and efficiency. Many policyholders appreciate how quickly claims are settled and paid, noting the significant benefit during stressful times.

They also value how easy it is to manage their plan through the app and highlight the comprehensive coverage that meets their expectations without hidden surprises.

On the other hand, some customers have experienced difficulties with the company's automated customer service, while others describe issues with updating information through the app or website.

Monday - Friday: 8:00 AM to 8:00 PM PT

 Customer Service: 1-844-733-8666

 General Email: help@lemonade.com

Enrollment Requirements

Age at enrollment: 6 weeks - 14 years
Medical Review: 12 months of medical history at enrollment
Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
No enrollment fee

How to Cancel Lemonade Pet Insurance

You can cancel your Lemonade Pet policy anytime via the app. But remember, canceling means waiting periods will reset, and any pre-existing conditions will impact future policies. A 30-day money-back guarantee is available, except in NY and IN.

Here is the exact language used to describe Lemonade's cancellation policy:

“If you need to cancel your policy for any reason during your policy term, you can do it totally for free, and we’ll refund you for the unused portion of your premium.

So no worries, your insurance policy term doesn’t mean you’re bound to your insurance policy for that period of time. It just represents the length of time you can have an active insurance policy before renewing it."

Expert Insights

Is Lemonade Pet Insurance good?

Lemonade shines for its efficiency, with half of claims settled instantly and paid within two days. Pets can get coverage for curable pre-existing conditions after a year, which sets it apart in the marketplace. It also stands out with its high level of customer satisfaction; very few pet insurance companies have an "Excellent" rating on Trustpilot.

With your choice of three different annual deductibles, three different reimbursement rates, and five different annual coverage limits, you can even customize your Lemonade Pet Insurance plan to your exact needs. Lemonade's many policy riders and wellness options allow you to get the coverage you need without paying for coverage you don't want.

However, it is worth noting that some providers include these coverages in their standard policy without the need to pay extra per month. Other expenses, such as alternative therapies and burial costs, are excluded across the board.

Additionally, Lemonade Pet Insurance isn't available in all US states, so you might not be able to enroll depending on where you live. The carrier also lacks accident-only coverage, requires vet exams for enrollment, and has no option for unlimited annual coverage. Unlike wellness plans offered by its competitors, Lemonade Pet add-ons are subject to co-insurance and deductibles, among other terms.

Overall, Lemonade offers several advantages over other providers, so it's worth your consideration — especially if you already have a Car or Renter's policy, and would like a discount for bundling.

Kari Steere

Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293


: Lemonade Pet Insurance covers unexpected accidents and illnesses at the vet, including diagnostics, prescription meds, emergency room visits, hospitalizations, surgeries, and more, so long as the issue did not exist at the time of enrollment. No pet insurance company covers the cost of pre-existing conditions, but Lemonade does offer coverage for some curable conditions after pets have gone symtom- and treatment-free for 12 months.

For even more coverage, you can elect to add supplemental policy riders and a preventive care package to your plan, which enables you to get reimbursed for expenses related to routine care, dental illnesses, physical therapy, behavioral conditions, and more.


: The cost for Lemonade Pet Insurance plans start as low as $10 per month for the base Accident & Illness coverage. Keep in mind, Lemonade's prices can vary depending on the type of pet, coverage level, and other factors. You should also be aware that as with all insurance providers, premiums do tend to increase over time.

For the most accurate pricing, get a personalized quote from Pawlicy Advisor at the lowest possible rate, guaranteed.

Lemonade Pet Insurance Reviews

4.4

2,009 Consumer Reviews

Write a Review

Honestly the best pet insurance ever
“Honestly the best pet insurance ever. Transparent and fast claim, and great customer service. Coverage is exactly as states with no excuse here or there. Have been a loyal customer for 3 years with no issue at all!”

Tony

June 10, 2024

Very easy to submit claim, fast reimbursement...
“I 100% recommend Lemonade Pet Insurance to any first time pet owner. I signed my dog up when she was just a puppy and I've had to submit 3 claims since then. All of them have been approved. (Digestion issues, UTI, Bladder stones.) It is very easy to upload the required documentation and can be done right on the app. My last claim was actually approved within 10 seconds of me finalizing it. Totally worth it.