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Lemonade Pet Insurance Review October 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.
  • There is no waiting period for accidents, and recurring conditions are covered.
  • Customer reviews are generally positive, with reviewers praising the company for its affordable rates, friendly customer service representatives and easy claims process.
  • Lemonade offers 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.

Lemonade’s 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.

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
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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 any good?

Lemonade pet Insurance is a good and affordable option for insuring your pet, though it’s not available in all states.

If you’re looking for an affordable accident and illness plan with a short waiting period, then Lemonade is a solid option. You can easily manage claims via their highly-rated app and get fast claims reimbursement.

Like all pet insurance companies, there are positives and negatives you should consider before signing up.

Here is what we consider to be the pros and cons of 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 reviews from customers

Lemonade has generally positive reviews as a company. Overall, it’s rated 4.4 stars on Trustpilot, however this rating encompass reviews for all of Lemonade’s insurance services.

To help make sense of what customers think about the service, we researched and compiled the main points we saw customers repeating over and over in their reviews of Lemonade’s pet insurance coverage.

What Lemonade customers like:

  • Claims are reimbursed quickly, often in under 24 hours
  • How easy it is to file a claim
  • More affordable than other providers
  • Convenient app that’s easy to use

Chris M. said:

“Have been using Lemonade for pet insurance for over a year now and absolutely love it. Claims are very easy to file and I’ve also be reimbursed within 24 hours. Will definitely recommend to my family and friends.”

Jaime Winetrout said:

“This was my first time using any kind of pet insurance. It was so simple! I completed the information on the app, submitted Mika’s paperwork and had our claim approved in less than 5 hours! I don’t know if it’s always that easy, but I hope so. Thanks Lemonade!”

Tara said:

“The app is super clear and easy to navigate when submitting claims for your pup. The reimbursement turnaround time is less than 48 hours with a breakdown of what was covered and why based on your chosen plan(s). A lot of research went into choosing the right pet insurance for our large mastiff mixed breed, Bruce and I wouldn’t change a thing. 5 stars and 4 paws up!”

What Lemonade customers don’t like:

  • Claims are easily denied based on pre-existing conditions clause
  • You cannot submit claims via computer, only app
  • The lack of a human-touch and impersonal claims process

Tricia Uselton said:

“I purchased pet insurance, with a wellness plan earlier this year. Luckily, I have never had to file a claim on the accident/injury side; however, I have filed 2 claims under the wellness plan. Both claims were approved immediately and funds were sent to my bank immediately. One other point, that everyone should know is this - you can’t file a claim on a computer, it can only be done on your mobile device through the Lemonade app!”

Mike C. said:

“It’s been a smooth experience so far. There’s no human interaction. Saves money, but I miss a human touch. I’ve had 2 wellness exams/vaccines for my cats. I submitted paperwork and was reimbursed within a couple days. Everything has been straightforward. If you need pet insurance. I would recommend Lemonade.”

Olha said:

“Absolutely horrible experience. It is truly a scam not a pet insurance company. I had a top plan paying $90 for a year with included neutering procedure. They denied 99% of my visits under false pretenses of “preexisting condition” in a small 4 months puppy. I paid for neutering $500 and got $100 reimbursement. They denied paying surgery materials fees and anesthesia because it is preventative and not an accident.I would have been better off just saving $90 per month and paying out of pocket. Stay away from them!”

When looking at pet insurance we saw that people find Lemonade cheaper than the competition and love how easy it is to submit claims and get a quick reimbursement. By and large, we saw customers complaining about coverage being denied due to the pre-existing conditions clause in the policy.

When signing up for Lemonade, you’ll be asked to submit your pet’s medical history and records. Beware that these will be used to determine coverage inclusions or exclusions.

We also noted positive reviews that began as 1-star reviews that Lemonade responded to helping the reviewer solve their issue. The reviewer then redacted their review to make it 5-stars after receiving customer support.

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, specialist care, and recurring conditions.

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

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. You can select a single add-on, mix and match, or select all five. Keep in mind that each comes at an additional cost to your accident and illness plan plan.

Lemonade Pet Insurance optional add-ons

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

Lemonade Pet Insurance wellness plans

Similar to the individual add-ons, Lemonade has three optional wellness plans that can cover expenses for routine care. These are only available when purchased in conjunction with the main accident and illness plan.

Lemonade’s three optional wellness plans are called:

  1. Preventive Care
  2. Preventive Care+
  3. Puppy & Kitten Preventative Care

While the Preventative Care and Preventative Care+ both offer coverage for routine care like vaccines and check-up appointments, the difference between these two plans mainly comes down to routine dental cleanings and flea, tick or heartworm medication coverage which is only available through the more expensive plan.

Lemonade tailors their preventative care plans to fit your pet based on their age, and therefore offers an option for kittens and puppies as well as adult cats and dogs.

Below you can see what each plan covers and the reimbursement limits based on a policy with 80% coinsurance.

Lemonade Preventive Care coverage

  • Available for adult dogs and cats
  • 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)

Lemonade Preventive Care+ coverage

  • Available for adult dogs and cats
  • 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)

Puppy & Kitten Preventative Care coverage

  • Available for puppies and kittens
  • 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)
Advertiser Disclosure
Dog Product Hero Reminder Affordable Pet Insurance from Lemonade Acclaimed by customers for quick reimbursements GET A PRICE QUOTE 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 by Lemonade Pet Insurance

  • Pre-existing conditions
  • Incidents that occur before the waiting period ends
  • Things not related to accidents and illnesses
  • Preventable conditions
  • Non-traditional therapies (CBD, acupuncture, etc)
  • Treatments that took place 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.

Lemonade Pet Insurance will not cover any expenses arising from pre-existing conditions or health problems that your pet shows signs or symptoms of before the relevant waiting period expires.

If something happens to your pet before the waiting period ends, Lemonade will not reimburse you for the expenses. However, some illnesses that are considered curable may be covered after 12 months with no symptoms, but this is only available in some states.

Lemonade’s base plan doesn’t cover routine vet visits or other services that outside of illness or injury. For this, you may want to consider a wellness plan or an add-on. The same goes for 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.

Lemonade doesn’t cover bills related to preventable conditions. This includes conditions related to abuse, neglect and dog fighting.

How does Lemonade Pet Insurance compare to other providers?

Lemonade is often cheaper than other providers, but comes with strict policies for pre-existing conditions. They have, however, recently started covering recurring conditions. Lemonade also has an upper age limit.

That said, Lemonade has no waiting period for accidents. That’s the shortest waiting period in the industry. Although Lemonade is often cheaper than other providers, you may need to buy add-on coverage to be reimbursed for things like vet visits and blood tests. Other providers. like Paw Protect, offer this coverage as standard.

Use the table below to compare coverage offered by Lemonade Pet Insurance to other top providers like Metlife Pet Insurance, Pumpkin Pet Insurance, CarePlus by Chewy, and more.
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Lemonade Pet Insurance MetLife Pet Insurance
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Compare Coverage
Accident & Illness Plan
Available
Available
Accident-Only Plan
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
Add On
Breed Specific Issues
Covered
Covered
Emergency Vet Visits
Covered
Covered
Telehealth Visits
Covered
Covered
24/7 Vet Chat
Covered
Covered
Specialist Visits
Covered
Covered
Exam Fees
Add On
Add On
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
Not covered
Boarding
Not covered
Not covered
Euthanasia
Add On
Covered
Max Enrollment Age
14 years
No Max
Accident Waiting Period
No waiting period (in most states)
Midnight on Same Day
Illness Waiting Period
14 days
14 days
Orthopedic Waiting Period
30 days (in most states)
14 days
Advertiser Disclosure
Dog Product Hero Reminder Affordable Pet Insurance from Lemonade Acclaimed by customers for quick reimbursements GET A PRICE QUOTE Cat Product Hero Reminder

How much does Lemonade Pet Insurance cost?

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.

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

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

These are just a few examples, but we recommend getting a quick quote to find out exactly how much a policy will cost your pet.

Get a customized quote for your pet

*All quotes were based on Lemonade Accident & Illness Plan, with 80% reimbursement, a $250 deductible, and $20k annual limit for the specified animals in L.A. zipcode 90001

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.

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.

 See More See Less
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

Lemonade Pet Insurance coverage levels

When you sign up for Lemonade insurance, you’ll be asked to choose a deductible amount, reimbursement rate and annual coverage limit.

Lemonade deductible options: $100, $250, $500 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 reimbursement rate options: 70%, 80%, 90% When you file a claim, Lemonade reimburses you for a certain percentage of your expenses. This is also known as your co-insurance.

Lemonade annual limit options: $5,000, $10,000, $20,000, $50,000, $100,000 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.

How much coverage should I choose?

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

If you’re looking for a cheap pet insurance plan, try choosing a low reimbursement, low annual maximum, and higher deductible. This will give you a lower monthly premium price.

If you choose a high reimbursement, high maximum coverage, and low deductible, your monthly premium costs will be higher. If

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

Advertiser Disclosure
Dog Product Hero Reminder Affordable Pet Insurance from Lemonade Acclaimed by customers for quick reimbursements GET A PRICE QUOTE 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. In most states, Lemonade has no waiting period for accidents, a 14-day waiting period for illnesses, and a 30-day waiting period for orthopedic conditions.

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 claims process

Lemonade customers rave about how quick and easy the claims process is. Claims are filed via app and customers are often reimbursed within 24-48 hours. However, the company notes that around 50% of Lemonade pet insurance claims are handled instantly.

Lemonade’s claims process is unique as they allow you to record yourself and explain what happened to your pet rather than simply relying on the documentation alone.

How the Lemonade claims process works:

  1. Download and open your Lemonade app and sign in.
  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.
  4. Submit your claim

Once Lemonade approves your claim, you’ll receive the money via wire transfer.

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.

Where can I get Lemonade 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 great pet insurer with a variety of pet insurance options. It 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, but it may not be right for all buyers. See our help guide for tips on how to choose pet insurance.

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.

About the Author

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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