Lemonade is a company that offers coverage to dogs and cats of all breeds and ages. Their services are restricted to people who live in one of the 36 US states (plus Washington D.C) they offer coverage in, but they provide coverage for vet visits in any part of the United States as long as your pet sees a vet who is licensed to operate in the state they see your pet in. Our Verdict We give Lemonade Pet Insurance a rating of 4.6 out of 5 stars.
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Lemonade Pet Insurance Review
Pros
Offers multiple Preventative Care packages
Affordable payment plans
Covers diagnostics, procedures, and medication
5% multi-pet discount
2-day waiting period for accidents
Cons
No unlimited annual coverage
6-month waiting period for cruciate ligament events
No guaranteed coverage for senior pets
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Most Customizable
Our rating: 4.5 / 5
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Best Wellness Plans
Our rating: 4.0 / 5
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Best Holistic Coverage
Our rating: 4.2 / 5
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About Lemonade
Lemonade Pet Insurance provides affordable insurance policies for dog and cat owners. It allows several customization options for its base policy and does a really great job of setting up your young pet for success by establishing a strong preventative care support system. You can also use this insurance with nearly any licensed veterinarian in the United States.
Our Verdict We give Lemonade Pet Insurance a rating of 4.6 out of 5 stars.
Click to Compare Lemonade Plans
We give Lemonade Pet Insurance a rating of 4.6 out of 5 stars.
Offers multiple Preventative Care packages
Affordable payment plans
Covers diagnostics, procedures, and medication
5% multi-pet discount
2-day waiting period for accidents
- Offers multiple Preventative Care packages
- Affordable payment plans
- Covers diagnostics, procedures, and medication
- 5% multi-pet discount
- 2-day waiting period for accidents
No unlimited annual coverage
6-month waiting period for cruciate ligament events
No guaranteed coverage for senior pets
- No unlimited annual coverage
- 6-month waiting period for cruciate ligament events
- No guaranteed coverage for senior pets
Most Customizable
Our rating: 4.5 / 5
COMPARE QUOTES
Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
COMPARE QUOTES
Most Customizable
Our rating: 4.5 / 5
COMPARE QUOTES
Best Wellness Plans
Our rating: 4.0 / 5
COMPARE QUOTES
Best Holistic Coverage
Our rating: 4.2 / 5
COMPARE QUOTES
Most Customizable
Our rating: 4.5 / 5
COMPARE QUOTES
Our rating: 4.5 / 5
Best Wellness Plans
Our rating: 4.0 / 5
Our rating: 4.0 / 5
Best Holistic Coverage
Our rating: 4.2 / 5
Our rating: 4.2 / 5
This pet insurance is best for pet owners with younger pets because it provides coverage for basic medical expenses for accidents and illnesses. Lemonade doesn’t have an age limit and will not phase out your policy at a certain age, but depending on your state and pet breed, you may get denied if you try to purchase a policy for an older pet. The policy only has a maximum $100,000 annual limit and doesn’t cover experimental treatment, so it may not be as helpful for senior pets with complex health conditions.
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Pricing & Plans (Updated in 2023)
Pet Insurance Cost Comparison
Company Sample Monthly Cost For Dogs Sample Monthly Cost For Cats Learn More
Lemonade $19.44 $11.00 Click to Get Quote
Spot $36.54 $16.51 Click to Get Quote
Trupanion $70.12 $30.88 Click to Get Quote
Fetch by The Dodo $29.70 $12.22 Click to Get Quote
Wagmo $26.89 $11.93 Click to Get Quote
Here’s a summary of the basic things you need to know about Lemonade Pet Insurance.
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Find The Best Pet Insurance Companies in 2023
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Base Policy
The base policy of Lemonade Pet Insurance offers coverage for medical expenses related to accidents or illnesses. So, you can get reimbursed for items such as diagnostics, procedures, and medication necessary to treat an accident or illness.
Keep in mind that the base policy will not provide coverage for preventable incidents. Also, while pre-existing conditions and bilateral conditions are not covered by Lemonade Pet Insurance, the insurance will help pay for illnesses developed after the policy date.
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Customizations
Lemonade Pet Insurance offers several different customization options to add to the base policy.
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Rating:Most Affordable Plans
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Preventative care packages:
- Preventative Package
- Preventative+ Package
- Puppy/Kitten Preventative Package
Provides coverage for pets over 2 years old for the following items:
- Wellness exams
- Fecal or internal parasite test
- Heartworm test
- Blood test
- Vaccines
- Medical advice chat
In addition to the services covered by the Preventative Package, the Preventative+ Package expands to covering flea, tick, or heartworm medication and routine dental cleaning.
The Puppy/Kitten Preventative Package provides coverage for puppies and kittens under 2 years old:
- Spaying/Neutering
- Microchipping
- Vaccinations
- Two wellness visits
- Flea/tick and heartworm medication
Lemonade Pet Insurance also offers add-ons that help cover vet visits for eligible accidents or illnesses. It also offers a physical therapy add-on that includes acupuncture and chiropractic care and has recently added EOL and dental illness add-ons.
Here are some quotes for base policies that don’t include any add-ons.
Lemonade Price Comparison For Dogs
Labrador Retriever Mixed Breed Dog
Male or Female Male Female
Age 1 Year 7 Years
Location Chicago (60647) Chicago (60647)
Reimbursement Level 70% 70%
Annual Deductible $500 $500
Annual Maximum $10,000 $10,000
Price Per Month $30.08 $43.58
Breed Name Under 1 5 Years Old
Labrador Retreiver $26.10 $34.88
German Shepherd $25.33 $33.84
Golden Retriever $25.40 $33.94
French Bulldog $39.40 $52.83
Deductibles and Claims
Lemonade Pet Insurance has a very customizable payment plan where you can select the percentage that Lemonade pays, your annual deductible, and the maximum annual coverage amount.
% of Medical Expenses
60%
70%
80%
90%
Annual Deductible Options
$100
$250
$500
$750
Maximum Coverage Options
$5,000
$10,000
$20,000
$100,000
You can select one option from each category, and your selection will affect your monthly premium amount.
60%
70%
80%
90%
- 60%
- 70%
- 80%
- 90%
$100
$250
$500
$750
- $100
- $250
- $500
- $750
$5,000
$10,000
$20,000
$100,000
- $5,000
- $10,000
- $20,000
- $100,000
Multi-Pet Discount
Lemonade Pet Insurance offers a 5% discount off each policy if you have multiple pets. Some pet policies offer discounts at around 10%. However, you can still end up saving on costs with Lemonade Pet Insurance because it tends to already be more affordable than a lot of other pet insurance companies.
What Does Lemonade Pet Insurance Cover?
Coverage Item Annual Limit
Wellness Exam $50
Heartworm $40
Internal Parasite/ Fecal Test $35
Bloodwork $65
Three Vaccines $75
Total Benefit $265
Covered
Offers multiple Preventative Care packages
Affordable payment plans
Covers diagnostics, procedures, and medication
Allergy medicine
Arthritis medication
Not Covered
Pre-existing conditions
Bilateral conditions
Elective procedures
Issues related to breeding or pregnancy
Behavioral conditions
Pre-Existing Conditions
In short, Lemonade Pet Insurance doesn’t cover pre-existing conditions. However, this doesn’t mean that your pet won’t be eligible for any coverage. When you submit a pet insurance application for your pet, it can still get approved. The insurance just won’t be responsible for paying for any expenses related to the pre-existing condition.
Offers multiple Preventative Care packages
Affordable payment plans
Covers diagnostics, procedures, and medication
Allergy medicine
Arthritis medication
- Offers multiple Preventative Care packages
- Affordable payment plans
- Covers diagnostics, procedures, and medication
- Allergy medicine
- Arthritis medication
Pre-existing conditions
Bilateral conditions
Elective procedures
Issues related to breeding or pregnancy
Behavioral conditions
- Pre-existing conditions
- Bilateral conditions
- Elective procedures
- Issues related to breeding or pregnancy
- Behavioral conditions
Waiting Periods
Lemonade has three different waiting periods for specific issues.
Here are the waiting periods that policyholders must adhere to before they can file a claim:
2 days for accidents
14 days for illnesses
6 months for cruciate ligament events
The waiting periods are effective on your policy’s start date, and you can only be reimbursed after the end of each waiting period.
2 days for accidents
14 days for illnesses
6 months for cruciate ligament events
- 2 days for accidents
- 14 days for illnesses
- 6 months for cruciate ligament events
How does Lemonade Pet Insurance know if a pet has a pre-existing condition?
Lemonade Pet Insurance will request a copy of your pet’s medical records after you purchase a policy. These records will help Lemonade determine your pet’s pre-existing conditions.
Does Lemonade Pet Insurance offer coverage for exotic pets?
No, Lemonade Pet Insurance doesn’t have plans for exotic pets. They only have plans for dogs and cats.
Can I cancel my policy at any time
Yes, you can cancel paying for your policy at any time through the Lemonade app. Just keep in mind that if your pet develops an illness after you cancel, it will be considered as a pre-existing condition and will not be covered if you apply for a new policy.
Reviews from Customers
Lemonade Pet Insurance has generally positive reviews, especially when it comes to affordability. Its plans do a great job of providing adequate coverage at a reasonable price for dogs that are young and healthy. Pet owners that submit claims for accidents and illnesses outside of the waiting period are also quickly reimbursed.
Most customers use the mobile app to complete all tasks related to their pet insurance, and the app has a high satisfaction rate and an interface that’s easy to navigate.
The drawback of Lemonade Pet Insurance is that it only covers basic and common health concerns, so it’s not much help for pets that have more specialized needs or behavior-related concerns. Therefore, many pet owners looking for coverage for uncommon needs usually end up canceling their plans or looking elsewhere.
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Conclusion
Overall, Lemonade Pet Insurance is a great affordable option that works best for healthy young pets that don’t have any pre-existing conditions. You can end up saving a lot on regular vet bills as well as any unforeseen accidents that may happen along the way.
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Find The Best Pet Insurance Companies in 2023
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We find that it’s a great policy for pet owners with energetic young pups or kittens that may get themselves into a little bit of trouble as they’re learning to safely navigate life. It also has one of the shortest waiting periods for accidents.
As your pet ages, you may want to consider looking into other pet insurance policies that offer more extensive coverage that can coverage-related conditions and expenses before your pet develops a chronic condition. If you time things right, you can end up saving a lot on costs with Lemonade Pet Insurance.
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.All content and materials, including rewrites, that are created to announce, market, and/or advertise Lemonade will be reviewed and approved by both parties to ensure compliance with applicable federal, state, and local laws and regulations
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.All content and materials, including rewrites, that are created to announce, market, and/or advertise Lemonade will be reviewed and approved by both parties to ensure compliance with applicable federal, state, and local laws and regulations
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.All content and materials, including rewrites, that are created to announce, market, and/or advertise Lemonade will be reviewed and approved by both parties to ensure compliance with applicable federal, state, and local laws and regulations
Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.All content and materials, including rewrites, that are created to announce, market, and/or advertise Lemonade will be reviewed and approved by both parties to ensure compliance with applicable federal, state, and local laws and regulations
- Pet Keen acknowledges that it is not licensed as an insurance agent, and therefore will not offer any advice regarding insurance, nor recommend a particular coverage, policy, or insurance company.All content and materials, including rewrites, that are created to announce, market, and/or advertise Lemonade will be reviewed and approved by both parties to ensure compliance with applicable federal, state, and local laws and regulations
