Lemonade Pet Insurance Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
+2 more
About Lemonade Pet Insurance
Lemonade Pet Insurance helps cover treatment costs for a variety of accidents and illnesses, with optional preventive care coverage. You can file claims through the Lemonade app, and some eligible claims may be paid instantly. The company also offers multiple add-ons, annual limit options up to $100,000 and discounts for bundling, insuring multiple pets or choosing annual billing.
Visit www.lemonade.com- Pricing starts at $10/month
- Multiple discounts
- Quick reimbursement times
- Up to $100,000 annual coverage limit
- Preventative care for puppies and kittens
- Not available in every state
- No local agents
Helpful Reviews
How does Lemonade Pet Insurance work?
Lemonade Pet Insurance works like health insurance for your dog or cat. Its base accident and illness policy helps cover diagnostics, procedures and medications when your pet has an eligible accident or illness and has to go to the vet.
Lemonade Pet Insurance has an annual deductible, annual limit and coinsurance. During sign-up, you can adjust these amounts to change your coverage and premium. Annual limits range from $5,000 to $100,000, and Lemonade’s coinsurance options are 70%, 80% or 90%.
You can also add optional coverage, including add-ons and preventive care packages. Once you sign up for a pet insurance policy, you pay a monthly premium to keep your pet insured. Keep in mind that there are a few waiting periods before you can use your coverage:
- 14 days for illnesses
- 30 days for orthopedic conditions
- No waiting period for accidents or preventive care
Note that waiting periods apply to all states where Lemonade Pet Insurance is active.
When you file a claim for a covered event, Lemonade pays the coinsurance level you chose, minus any amount of your annual deductible you have not 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. You pay $250, and Lemonade covers 80% of the remaining $750.
Because you met your annual deductible with this claim, you won’t have to pay it again for the rest of the policy year. You continue paying your share of coinsurance until Lemonade reaches your annual limit. After that, you are responsible for additional costs for the rest of the policy year.
You can file a claim using the Lemonade app. You’ll upload the vet or clinic invoice and receipt before submitting the claim. Some eligible claims may be paid instantly through Lemonade’s AI claims process, so you may get reimbursed before leaving the vet’s office. Other claims take more time to review.
What plans does Lemonade Pet Insurance offer?
Lemonade offers a base accident and illness policy, plus optional add-ons and preventive care packages. Some options are available throughout Lemonade’s pet insurance service area, while others vary by state.
| Coverage option | What it covers | Availability |
|---|---|---|
| Base accident and illness policy | Diagnostics, procedures and medications for eligible accidents and illnesses | Nationwide |
| Routine Vet Care | One wellness exam per year, three vaccines per year and wellness testing | Nationwide |
| Routine Vet Care Plus | Unlimited wellness exams, unlimited vaccines, enhanced wellness testing and Life Essentials coverage, such as spaying or neutering, microchipping, heartworm or flea and tick prevention medication, genetic testing and preventive imaging | Varies by state |
| Preventative+ Care package | Preventive care benefits, plus flea, tick or heartworm prevention medication and routine dental cleaning | Varies by state |
| Preventative Care Package for Puppies and Kittens | Two wellness exams, up to six vaccines, wellness testing, spaying or neutering, microchipping and flea, tick or heartworm prevention medication | Varies by state |
| Vet visit fee add-on | Vet exam fees for eligible accidents and illnesses | Nationwide |
| Physical therapy add-on | Physical therapy, acupuncture and hydrotherapy related to eligible accidents or illnesses | Nationwide |
| Dental add-on | Dental Illness covers treatments, procedures, diagnostics and medications for dental illness. Dental Care may also cover routine cleanings and preexisting dental conditions. | Varies by state |
| Behavioral conditions add-on | Vet-recommended therapy and medications for eligible behavioral conditions | Nationwide |
| End-of-life add-on | Vet-recommended euthanasia, cremation and commemorative items | Nationwide |
Lemonade Pet Insurance cost
Lemonade offers pet insurance starting at $10 per month. The price you pay ultimately depends on your pet’s age and breed, your coverage choices, your location and other factors. Dogs are generally more expensive to insure than cats.
Adjusting your annual deductible, coinsurance and annual limit can lower your premium. Keep in mind, though, that you'll pay more out of pocket for vet bills if you opt for less coverage. Lemonade’s annual deductible options are $100, $250, $500 and $750. Its coinsurance options are 70%, 80% and 90%, and its annual limits are between $5,000 and $100,000.
Add-ons and preventive care packages may increase your premium, and pricing is shown during the quote process.
Where is Lemonade Pet Insurance available?
Lemonade’s pet insurance is available in Washington, D.C., and the following 42 states:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Illinois
- Indiana
- Iowa
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
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 diagnostics, procedures and medications for eligible accidents and illnesses. You can add coverage for preventive care, vet visit fees, physical therapy, dental care, behavioral conditions and end-of-life expenses. Some preventive care options may also cover routine care, such as wellness exams, vaccines, bloodwork, flea, tick or heartworm prevention medication, and routine dental cleaning. Lemonade Pet Insurance policyholders also have access to Chewy’s Connect with a Vet service through the app.
Does Lemonade have pet insurance discounts?
Yes, Lemonade offers three pet insurance discounts: up to 5% for choosing annual billing, up to 10% for insuring more than one cat or dog and up to 10% for bundling pet insurance with another Lemonade policy, such as renters, homeowners or car insurance.
Is Lemonade Pet Insurance available in my state?
At the time of publishing, Lemonade Pet Insurance is available in Washington, D.C., and 42 states, excluding Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia and Wyoming.
Still have questions?
Is Lemonade Pet Insurance good?
Yes, Lemonade Pet Insurance may be a good fit if you want a low starting price, app-based policy management and a strong selection of optional coverage. Policies start at $10 per month, but your actual rate depends on your pet, location and coverage choices. Its add-ons and preventive care packages give you more ways to expand coverage beyond a base accident and illness policy.
Lemonade generally does not cover preexisting conditions or care during waiting periods, though its Dental Care add-on may cover preexisting dental conditions in select states. Review your quote and policy documents before enrolling because some coverage options are state-specific.
Lemonade Pet Insurance Reviews
Filter by Rating
- (514)
- (14)
- (5)
- (6)
- (134)
Popular Mentions
- 4,922,678 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,922,678 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed March 27, 2025
I love Lemonade! Joining Lemonade was one of the best decisions I have made. I was lucky enough to see a story from a dog account I follow on Instagram who was talking about Lemonade and wonderful it was. I had been following them forever and decided to try it. I opted for emergency coverage only. I would rather have it and not need it than need it and not have it. Thank God I did.
8 months later Atticus had a dental emergency which cost over 6,000.00. Due to my random decision to get him insurance I got 4,800.00 back! Instead of being in debt or having to out my dog down, I was able to get him the care he needed without taking out a personal loan. The process is SOOOOOOOO easy. You submit your claim and they will deposit the money into your account within a week, usually only a few days in my experience. They are very reasonable with what they cover and always so nice.
Now, I have a cute dog with a grill. I have had to make 2 other claims for my dog and have never had an issue. My insurance did not skyrocket after I used it. Most recently, he had a spot on his leg that was growing quickly. I had it removed and sent to the pathologist. It turns out it was just a cyst, but I know. I could justify the money to know. If he needed treatment, I would be able to provide the treatment because of Lemonade. The peace of mind is worth the emergency care for me. Do yourself a favor and stop talking about getting it and just get it. If you don't and something happens you will regret not being proactive with your fur babies care the rest of your life.
Thank you so much for sharing your story! It means a lot to us to know that we could help you and Atticus during such critical times. We’re thrilled to hear that the process has been smooth and that you’ve found peace of mind with our coverage. It’s wonderful to see how being proactive made a big difference. If there's ever anything else you need, we're here to help! Wishing you and your "cute dog with a grill" all the best!
Reviewed July 17, 2026
Do not waste your money with this pet insurance company. They’re all about pressing the customer to submit honest, trustworthy insurance claims, but they do not practice what they preach. They actively look for ways to say “no”, invoking the “pre-existing condition clause” liberally. I’m extremely disappointed with them and I will never recommend this company to other pet owners. See less.
We understand how disappointing this must feel. Pre-existing condition exclusions are standard across the industry and are based on prior medical history. If you'd like someone to walk you through the outcome please reach out at fixthis@lemonade.com and we'll make sure the right people assist you directly.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed July 15, 2026
Be really careful if you choose to move forward with this insurance company. It took them 3 months to process a claim (and deny), while I continued to pay monthly payments. Also, do not do the exam fee upgrade, they will not pay for it and use any excuse and loophole to get out of it. Extremely disappointed, I have never had such a poor experience with a pet insurance company before. I canceled obviously and will be looking elsewhere. Out $300 for the monthly payments that got me nothing though. Steer clear.
We genuinely understand how frustrating this experience must have been. If you'd like someone to walk you through the outcome and explain everything clearly please reach out at fixthis@lemonade.com and we'll make sure the right people get back to you.
Reviewed July 12, 2026
I work in the world of insurance, I am a lawyer and I am Israeli and know this company well (founded by Israelis). They have attempted to create an insurtech model but in actuality, and possibly by design, have created a model that, in my opinion, is not user friendly (at best) and is creates technical/technology obstacles that make the process complicated and can lead to unfair and possibly bad faith outcomes. This has been my personal experience and is my opinion based on said experiences. I can only hope they will do better and listen to their insureds.
We take feedback like this seriously and we genuinely want to do better. We've flagged your situation with our adjusters and someone will be reaching out shortly to help work through everything with you directly.
Reviewed July 5, 2026
They email me at least twice a day. I have unsubscribed roughly 10 times. Yet, they continue to send their junk emails. A very sleazy company. I would not use them for any type of insurance. I filled a complaint with the BBB.
We want to make sure this gets resolved for you immediately. We weren't able to locate your email in our system so please reach out at fixthis@lemonade.com with the specific address receiving the emails and we'll get it removed right away.
Reviewed July 2, 2026
Pet owners beware!!!! My dog had an accident a couple of months back. She had to have surgery recently, I sent in a preliminary Invoice of the estimated cost beforehand. When I turned in the actual bill, after the surgery, which was $6000, they refused to pay it. This is, after I have been with them for about 6 months, and they have had every opportunity to look at every visit I've ever had with my dog. They said, looking back in October when she had gone in, they noticed she was limping on her left leg and the doctor noted he thought it was soft tissue, but did not do x-rays so they were not exactly sure what it was.
My dog had an ACCIDENT on her RIGHT leg but because she had a limp on her left leg, they considered it a bilateral situation?? Because of this they will not cover the cost for her right leg. However, my vet said she had a meniscus tear from the accident. This was one of many things they did that were sneaky and very unprofessional. Just be really, really cautious if you are considering them for your pet's insurance coverage. They do not stick to what they say they will do and will find a way out any way they can to not have to pay your vet bill.
We're truly sorry about your dog's accident and we hear how frustrating this outcome has been. We can see our adjuster is already in contact with you and a call is being scheduled to go over everything. We appreciate your patience and we want to make sure everything gets addressed thoroughly.
Reviewed July 2, 2026
I would not recommend Lemonade pet insurance. I filed claims for both of my cats for an upper respiratory infection and diarrhea, and Lemonade denied the claims as “pre-existing conditions.” Their reasoning was that when my cats were kittens, they had diarrhea and colds once before. Because of that, Lemonade claimed that unless they went 12 months without any related symptoms, anything involving diarrhea or respiratory issues would be considered pre-existing and not covered. That feels ridiculous to me. Kittens get colds and upset stomachs sometimes, and now Lemonade is using that to deny coverage later. This is exactly the kind of situation people buy pet insurance for, and when I needed it, they found a way not to pay. Very disappointing experience. Buyer beware.
We hear you and we understand how frustrating this must feel. Pre-existing condition exclusions are standard across the pet insurance industry but we want to make sure your claims were reviewed correctly. If you'd like us to take a closer look please send us a note at fixthis@lemonade.com and we'll have the right people review everything carefully.
Reviewed June 22, 2026
I purchase pet insurance with Lemonade Pet Insurance. Took my dog to the vet. When trying to submit my bill they ask me for my social security number so I decide not to use lemonade again. When my policy expired they kept trying to take my money out of my credit card and I had put a hold on the fund because I didn't want to use lemonade again. They bill me for $200 and I never told them to withdraw my money from my account. STAY AWAY FROM THIS INSURANCE. DO YOURSELF A FAVOR.
We'd really like the chance to look into what happened with the billing after your policy expired. Please reach out at fixthis@lemonade.com and we'll make sure the right people address everything for you directly.
Reviewed June 22, 2026
I am cancelling my policy with Lemonade. I have coverage for my 4 year old chihuahua mix adopted from a shelter. Her medical records consisted only of the immunizations they provided. I recently took her in for a wellness visit and immunization update. A month later I have no payment - yet they advertised RAPID payment. The app did not allow me to submit claims for immunizations with a Wellness visit - it submitted the information with only the visit charge. I did have to resubmit the invoice due to my error. They contacted me for information ONLY when I contacted them for a status update. My claim is still "In review" nearly a month after the visit. Lemonade is WORTHLESS - I am contacting another company for coverage.
We understand your frustration and we're sorry the experience has felt this disappointing. We'd really like the chance to review everything and make sure your claim gets the attention it deserves before you move on. Please reach out at fixthis@lemonade.com and we'll get the right people on this right away.
Reviewed June 22, 2026
Lemonade pet insurance is a scam. It is a terrible company. Do not give them your money to ensure your pet. They're being sued by everybody so they are going to try to rip everybody off for prices and scams.
We're sorry to hear this and we'd genuinely like to understand what happened. Please reach out to us at fixthis@lemonade.com and we'll make sure the right people address your concerns directly.
Reviewed June 19, 2026
I am extremely disappointed with my experience with Lemonade Pet Insurance. I purchased coverage expecting support when my dog actually needed care, but instead I was met with claim denials and frustrating policy interpretations. It feels like the company looks for reasons to deny claims rather than help pet owners. What’s especially frustrating is that they continue collecting premiums, but when it’s time to use the coverage, the fine print suddenly becomes the focus. A 1-year-old dog will naturally have occasional symptoms while growing and figuring out food sensitivities. Denying coverage based on that feels unfair and misleading. I expected protection for my pet, not excuses
We hear you and we understand how frustrating this must feel when you signed up specifically to have support for your dog. We'd genuinely like the chance to review your claims and make sure everything was handled correctly. Please reach out to us at fixthis@lemonade.com and we'll make sure the right people take a thorough and honest look at everything.
Lemonade Pet Insurance Company Information
- Company Name:
- Lemonade Pet Insurance
- Website:
- www.lemonade.com
