Follow us:
  1. Home
  2. Pets
  3. Pet Insurance

Lemonade Pet Insurance

Lemonade Pet Insurance

Take a Pet Insurance Quiz

Get matched with an Accredited Partner

This company is not yet accredited. See reviews below to learn more or submit your own review.

Lemonade is an insurance provider that offers home, renters and pet insurance. Lemonade pet insurance covers a variety of accidents and illnesses, with optional coverage for preventive care. Lemonade sets itself apart from other insurance providers by taking flat fees from its customers’ premiums and donating leftover funds to charities chosen by policyholders.


Lemonade pet insurance covers tests, procedures and medicine for your cat or dog after an accident or illness. The company offers expanded coverage with a preventive care add-on.


  • 10% bundling discount
  • Gives back to charity of your choice
  • Quick reimbursement times


  • No local insurance agents
  • Not available in every state

Take a Pet Insurance Quiz

Get matched with an Accredited Partner

Get trending consumer news and recalls

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Are you this business?

    What is Lemonade pet insurance?

    Lemonade pet insurance is like health insurance for your dog or cat. Its standard plan covers a percentage of the costs of diagnostics, procedures and medications when your cat or dog has an accident or illness and has to go to the vet.

    The company offers two add-on coverages: the Preventative and Wellness package covers the costs of wellness exams, heartworm tests, vaccines and other routine services, and the Extended Accident and Illness package covers things like physical therapy and acupuncture.

    Lemonade is a public benefit corporation that takes a flat fee from customer premiums and donates leftover funds to organizations chosen by its policyholders, including animal welfare organizations. In 2020, Lemonade’s “giveback” was over $1.12 million.

    How does Lemonade pet insurance work?

    Lemonade pet insurance has a deductible, an annual limit and coinsurance. When signing up for Lemonade’s basic pet insurance, you can adjust these amounts so that a policy fits in your budget. Annual limits range from $5,000 to $100,000, and coinsurance, or the amount Lemonade pays after you meet your deductible, is either 70%, 80% or 90%.

    During sign-up, you’ll also choose whether you want to add either or both optional coverages: the Preventative and Wellness package and/or the Extended Accident and Illness package. Eventually, you’ll need to submit a medical exam for your pet from up to 12 months before the policy begins or up to two weeks after.

    Once you sign up for a pet insurance policy, you pay a monthly premium to keep your pet insured. Keep in mind there are a few waiting periods before you can use your coverage:

    • Two days for accidents
    • 14 days for illnesses
    • Six months for cruciate ligament issues

    When you file a claim for a covered event, Lemonade pays the coinsurance level you initially chose for your policy, minus any amount of your annual deductible you haven’t met. Let’s say your first vet bill of the year is $1,000, and your plan has a coinsurance of 80% and an annual deductible of $250. Lemonade reimburses you $550 ($1,000 multiplied by 80%, minus $250) for the vet bill, leaving you responsible for the other $450.

    Because you’ve met your annual deductible with this claim, you won’t have to pay it again for the rest of the year. You continue paying coinsurance until you meet your annual limit, after which you’re responsible for the entirety of the vet bill for that year.

    You can file a claim using the Lemonade app. You’ll attach the vet or clinic invoice and receipt before submitting the claim. Lemonade’s goal is to process claims instantly. In some cases you may be able to get a claim paid before leaving the vet’s office; other claims may take more time to review.

    Lemonade pet insurance prices

    Lemonade offers pet insurance starting at $10 per month, and it provides a 10% discount if you also insure your home with the company. The price you pay ultimately depends on your pet’s age and breed, the plan you choose, your location and other factors. Dogs are generally more expensive to insure than cats.

    According to Lemonade, adjusting your deductible, coinsurance and annual limit can lower your monthly premium by 10% to 15%. Keep in mind, though, that with less coverage you'll pay more out of pocket for vet bills. Lemonade’s annual deductible options are $100, $250 and $500; its coinsurance options are 70%, 80% and 90%; and its annual limits are between $5,000 and $100,000.

    Lemonade pet insurance FAQ

    Does Lemonade pet insurance have online quotes?
    Yes, Lemonade offers free online quotes using basic information about your pet.
    What does Lemonade pet insurance cover?
    Lemonade pet insurance covers costs for diagnostics (e.g., blood tests, X-rays, ultrasounds), procedures and medication for cats and dogs with injuries and illnesses. Its optional Preventative and Wellness package covers annual exams, bloodwork and vaccines, and its Extended Accident and Illness package add-on pays for treatments like physical therapy and acupuncture that help with recovery.
    Does Lemonade have pet insurance discounts?
    Yes, it offers a 10% bundling discount if you combine pet insurance with home or renters insurance.
    Where is Lemonade pet insurance available?
    Lemonade’s pet insurance is available in 33 states and Washington, D.C. Lemonade doesn’t offer pet insurance in Alaska, Colorado, Delaware, Florida, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Minnesota, South Dakota, Vermont, Washington, West Virginia and Wyoming.

    Is Lemonade pet insurance good?

    Lemonade pet insurance doesn’t cover accidents or illnesses that occur during the waiting period, dental care, preexisting conditions or bilateral conditions, so it might not be the right option for every pet owner. However, a Lemonade pet policy can be a great choice for cat or dog parents looking to shield themselves from unexpected and costly vet bills. It’s also great for pet owners who want a better chance at giving their companion the recommended medical services needed if they get sick or injured.

    Sort: Recent
    Filter by: Any

    Currently there are no customer reviews.

    Select stars to rate your experience
    Very dissatisfied with the experienceDissatisfied with the experienceSatisfied with the experienceHappy with the experienceWould recommend to a friend

    A link has directed you to this review. Its location on this page may change next time you visit.

    Loading more reviews...

    Lemonade Pet Insurance Company Information

    Company Name:
    Lemonade Pet Insurance