Lemonade pet insurance helps covers the costs of treatment for a variety of accidents and illnesseses, with optional coverage for preventive care. You can easily file a claim with no hassle using the Lemonade app. 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 (including several pet-centric causes).
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
- Pricing starts at $10/month
- No local insurance agents
- Not available in every state
What is Lemonade pet insurance?
Lemonade pet insurance is like health insurance for your dog or cat. Its standard plan helps cover 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 includes live medical chat and covers the costs of wellness exams, heartworm tests, vaccines and other routine services, and the Extended Accident and Illness package covers exam fees and 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 an annual 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 annual 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 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. With limits as high as $100,000, however, this won't be a concern for most people.
You can file a claim using the Lemonade app. You’ll upload 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 annual 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 live medical chat and annual exams, bloodwork and vaccines, and its Extended Accident and Illness package add-on includes exam fees and 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 34 states and Washington, D.C. Pet parents in Alabama, Arizona, Arkansas, California, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, 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 and Wisconsin can all buy a policy for their cats and dogs.
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, but this is fairly standard for pet insurance companies. 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.
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When I got Ludo at 8 weeks 1 day in December I had already reached out to Lemonade for insurance. They were very timely and thorough with their responses. They sent me info on exactly what kind of physical they needed. All went very smoothly and I was happy. We are retired and long time dog owners. I know it only takes one accident or sickness to cost thousands. Wanting the best for our pup I knew insurance was the most responsible option. We had a one year old pound puppy that came with one month’s insurance- we kept that but I decided to put Ludo on Lemonade. I liked what I read, and it’s true!
Our first pup tested positive for Lyme. It took months before her insurance finally got things straight and paid their part for her medications. It was a huge headache. The difference Ludo suddenly became lame and in pain March 24, 2001. He needed meds and X-rays- I contacted Lemonade. They immediately “took over”. Assigned me a “special agent”. They paid that bill March 26,2001! It was difference between night and day - I say go with Lemonade. You’ll be so glad you did. I am going to switch my other dog to Lemonade even though any Lyme complications can't be covered as they are pre-existing I still believe it’s a 100% worth it!
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As a brand new dog owner with a dog that has predisposed stomach problems and dietary sensitivities I knew Teddy (my cockapoo) was going to be a handful. When I was told Teddy will always have a sensitive stomach I knew I needed to get the best coverage for Teddy and have him be seen by the best doctors, ALWAYS. He's been going to his vet and hasn't had any problems, except for the first time he got colitis. I was hit with a $600+ bill! He was given an x-ray, medication, and needed rounds of IV because he was dehydrated. I contacted Lemonade and got reimbursed within DAYS. I kid you not. I submitted the paperwork through the app, was emailed by a kind representative and within days got my reimbursement.
If you want your pet to have good coverage and for a cheap price, please go through Lemonade! You won't regret it, I promise!! Not only are the plans really cheap (I pay $20 a month), but you have real people that you can talk to at the tips of your fingers (through the app). I am really happy I went through lemonade. I had them for my renters insurance and now for my pet.
First, I have never written a review for any kind of insurance plan (health, renters, or even pet insurance!), but Lemonade is also like no other insurance I have ever worked with either in my professional or personal life. When I welcomed Bella into my life, I decided to get health insurance just to be safe. We initially purchased insurance with another provider, but I came across Lemonade on Instagram and immediately fell in love with the company from a marketing perspective. What was even better was when I found out they were a B-Corp!
While it's easy to write about nice interactions when making the monthly premium payments, Lemonade has gone above and beyond. They are by far the most responsive insurance company I have ever worked with. They respond to inquiries on what feels like an immediate basis and make the process of submitting a claim even easier than it is to get Bella to eat! When we decided to welcome a second Maltese into our home, I didn't hesitate and purchased a Lemonade plan for the newest family member (Vincent).
To say I'm pleased with Lemonade is a complete understatement as the personal nature with which their staff interacts with customers makes the whole process painless. It's evident that they truly care about Bella and Vincent. On top of that, the service that allows you to communicate with a veterinary professional via chat is priceless -- it has literally been there to help me navigate some of the uncertain moments of caring for Bella and Vincent.
Lemonade pet insurance really helped me avoid major financial problems once my cat got unexpectedly sick. Emergency fees and surgery costs were high and I found out that my cat should get the procedure immediately. Everything happened so fast and I found myself using up my savings/credit card to pay the upfront costs. Fortunately, I had some peace of mind because I had Lemonade cat insurance. I saved every document the vet clinic provided because I know I had to provide accurate and detailed documentation on the invoice costs and the vet comments.
Overall, the process was very straightforward. I recorded myself describing the incident with as much detail as possible. I listed the line items from the surgery and hospitalization invoice. I provided any additional documents needed. After submitting everything, I got reimbursed 2 weeks later. Keep in mind that depending on how many claims are being made in a season, yours could get finalized sooner or later. Anyways, I am very thankful for Lemonade's cat insurance services and their professional, courtest staff who I have had a great pleasure communicating with.
It really is uncanny to think that Lemonade is, at the end of the day, an insurance company. Everything about my engagement with them feels very un-corporate, and very, very un-insurance-company. We've had to submit a couple claims for our dog, Harper; each time, the response was prompt, personal, funny, thoughtful, comprehensive, and clear. Our questions receive similar response: quick, thorough, and personal. And it just feels like the team actually really cares about making the process easy for us and, more importantly, about our dog's health. I'm so glad that Lemonade expanded into pet insurance (y'all cover our home, too, but fortunately we haven't submitted a claim on that yet), and am truly satisfied with the investment I make in paying for Harper's insurance each month. The customer service alone is remarkable, let alone the easy-to-use app and generous and very timely reimbursements. Awesome product, awesome team!
I am so glad I found this insurance! They make everything soo easy! I have my rent insurance, both my pets insured and life insurance through them! They always have great customer service! I would 100% recommend giving them a try!
I’ve recently switched to Lemonade this year and both of mine pets had accidents that required medical attention, the claim process was very simple and done through the phone, they were very responsive and followed up, glad that I’m with Lemonade now and gives us a peace of mind with my pets
I use both renters & pet insurance through Lemonade. I have submitted multiple claims through the pet insurance and every time it is easy to submit and quick to get reimbursed. It's so easy to add to my policy and to find out what is and is not covered. I would absolutely recommend Lemonade if it's available to you.
I am a first time owner, so choosing a right pet Insurance for my puppy was very important. I am very pleased with Lemonade. I have had three claims so far and all of them are paid timely. But what really impressed is the communication. Lemonade team has kept me update along the process and always ensured it will be taken care and nothing to worry about. I’m really happy I choose Lemonade for my pet insurance. Thank you Lemonade team!!
Only have used it a couple times with a new Lab puppy and have no complaints. Communication is great when needed, otherwise it’s a algorithm driven app-based service. Takes a little getting used to and you really need to have your vet invoices clear with explanations.
My kitten suddenly was ill and had to be taken to ER. His visit was quite expensive. I filed my claim on a Saturday morning and was immediately informed that my claim was under investigation. I was quite nervous about getting my money, but the adjuster kept me informed and was so kind. My money was in the bank on Tuesday morning. So very pleased with Lemonade!
My fur baby Zeus and I love Lemonade's Pet insurance. Their rates are some of the best. Their customer service is exceptional, and the turnaround time on claim payouts is outstanding! I have recommended them to all of my pet loving friends. Great job Lemonade!
I’ve never had pet insurance before so tried Lemonade and I am so happy I did. My puppy had his well visit, and first shots covered at 80%. Since he’s a puppy I like knowing if he needs to go see his doctor he’s covered. The process to submit receipts is super intuitive too. No brainer for me to have this coverage for my sweet boy.
No one wants to think of something bad happening to their furbaby, but when it does you want to have Lemonade. I was thrilled with how easy it was to file a claim and how quickly I received compensation. I could focus on taking care of my dog not on paying the bill.
Everything else is good but it takes too long to clear the claim. The first 2 times was ok, the claim got cleared very fast. But the third time, it’s been weeks and my claim is still under review. I don’t understand why is it taking so long when I’m paying the premium right in time every month.
I recently submitted 2 reimbursements for our 2 cats. I did not expect such an easy, lighting fast reimbursement process from Lemonade. It was processed live while I submitted through the app and I received reimbursement into my checking account within minutes. The app is very user friendly. I'm very impressed and I strongly recommend Lemonade.
Definitely I am very happy with this insurance. Customer service is amazing, coverage is great. It’s very easy and simple to file a claim. I am definitely recommending this policy to my friends and coworkers.
I had to submit a claim for my 6 month old puppy for emergency surgery - the claim process was so quick and easy and my contact answered questions promptly the same day. Coverage was great and affordable - took the pressure off of us so we could focus on helping our buddy recover! Would highly recommend.
Lemonade Pet Insurance is 100% worth it! My dog got sick and our vet bill was over $1,000.00. My husband and I don’t make a ton of money, so that’s a lot of money to shell out for us. But after a $250 deductible and the 10% we were responsible for, we still got over $700 back from the claim. That’s a hell of a lot better than paying $1000.00 out of pocket. But what made me more impressed, was that the claim process was so easy. The claim specialist was very kind, relatable, knowledgeable and super responsive to my questions (thank you Suzie!). I think the most I waited to receive an email back, was 24 hours. I could’ve called her too, if I had needed to. Thanks for the awesome insurance and amazing employees Lemonade. I’ve already recommended Lemonade to several people!
I submitted a bill for Zoey's checkup and as soon as I completed the process bam I received a deposit in my account. Awesome customer service and easy to understand step by step directions. Couldn't be happier I chose Lemonade as my pet insurance.
I feel very lucky that I chose Lemonade as my insurance company for my puppy Oreo..poor thing got sick on a Saturday night.. They made it easy to get him the treatment he needed without my having to go into debt... Definitely a great insurance company.
Super helpful and quick turnaround. Lemonade have been great even though my dog Benny has been a nightmare when it comes to sicknesses and general gut health. Thanks again to all the staff and people making it easier!
Lemonade is the most affordable pet insurance I've found that still has great coverage. Every claim I've filed has been diligently worked on and with the new update to how claims are filed, they are finished within days of submitting them! I also appreciate how friendly all the people I've been in contact with Lemonade are. All around, a great service and so happy I went with them to cover my pup!
Our three cats have pet health insurance through Lemonade. We just had our first wellness checkups since getting the coverage. Our claims were approved within 24 hours. The process was very easy and straightforward, and Dee our contact at Lemonade was helpful and efficient.
The communication with customer service was great. I filed my first pet claim about 45 days ago and it was approved almost immediately and I was reimbursed within a couple days. By far the best service and quick resolution of a claim ever. I will be checking into the other insurance products they offer. James **
Lemonade makes something as intimidating as pet insurance seem like a walk in the park. With constant updates and breakdowns every step of the way, Lemonade is the way to go for the most easy to use pet health coverage. Will recommend to everyone.
I filed a claim for my puppy and Team Lemonade did a great job in explaining things to me and keeping me informed on the state of my refund. They are super friendly and great to work with! I highly recommend Lemonade!
I have two young cats and after doing copious research settled on Lemonade. I had used a more traditional pet insurance in the past and I’m blown away at how much better Lemonade is. They are fast, super easy to set up, and have the best rates and coverage for two healthy kitties. Big fan so far!
We were a little leery when we purchased this insurance, but so far we have had 2 claims (one accident & one illness) for our puppy and everything has been handled quickly and satisfactory. Would recommend this insurance to anyone getting a new puppy.
I had the pleasure of working with Catherine on my Lemonade pet insurance claim. She was super nice, personable and super communicative! I am beyond impressed. I am so used to waiting to hear back from insurance companies for what seems like forever, so it was a real breath of fresh air to have Catherine's help.
Lemonade Pet Insurance Company Information
- Company Name:
- Lemonade Pet Insurance
- Formerly Named: