Lemonade Pet Insurance
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Lemonade Pet Insurance

 4.8/5 (116 ratings)
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Lemonade Pet Insurance
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Written by Taylor Sansano
Edited by Jon Bortin

About Lemonade Pet Insurance

Lemonade pet insurance helps cover the treatment costs for a variety of accidents and illnesses, 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 animal welfare organizations).

Overall Satisfaction Rating

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Pros

  • Pricing starts at $10/month
  • Multiple discounts
  • Quick reimbursement times

Cons

  • Not available in every state
  • No local agents

Bottom Line

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. You can sign up online for coverage in seconds.

Top Lemonade Pet Insurance Reviews

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Rated with 5 stars
Verified

I just got a new puppy and did a ton of research on the best Pet Insurance. Lemonade ended up being my choice. I can tell you they have been a pleasure to deal with! I’ve already ...

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Rated with 5 stars
Verified

The folks at Lemonade have been very helpful through the claims process. Ths staff is caring and always asks about my dog and her wellbeing and make the claims process smooth. The...

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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 Package includes live medical chat and covers an annual wellness exam, annual parasite test, annual heartworm screening, annual blood test and up to three vaccines. The Preventative+ Package adds coverage for medication for fleas, ticks and heartworm prevention and routine dental cleaning.

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 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 optional coverage for preventive care, vet visit fees or physical therapy. If you have a puppy or kitten under 2 years old, you can add on the Puppy/Kitten Preventative Package, which covers two wellness exams, six vaccines, two fecal or internal parasite tests, spaying or neutering, microchipping, and heartworm or flea and tick medication.

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. You pay $250, and Lemonade covers 80% of the remaining $750.

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 for 20% of claims until Lemonade pays up to the annual maximum, at which point you are 100% financially responsible for your pet’s care.

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 cost

Lemonade offers pet insurance starting at $10 per month. 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.

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 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 Package covers live medical chat, bloodwork and vaccines, and its Preventative+ Package pays for medication to prevent fleas, ticks and heartworms and routine dental cleaning. You can also get add-on coverage for vet visit fees and physical therapy. A preventive care package for puppies and kittens is available as well.
Does Lemonade have pet insurance discounts?
Yes, Lemonade offers a 10% bundling discount if you combine pet insurance with home or renters insurance. It also offers a 5% discount if you cover multiple pets and a 5% discount for paying annually instead of monthly.
Where is Lemonade pet insurance available?
Lemonade’s pet insurance is available in 35 states and Washington, D.C. Pet parents can buy a policy in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, 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 and Wisconsin.

Is Lemonade pet insurance good?

Lemonade pet insurance doesn’t cover accidents or illnesses that occur during the waiting periods, dental illness, preexisting conditions or spaying and neutering for pets over 2, but this is standard for pet insurance companies. The company makes it easy to sign up for coverage and get fast reimbursement after claims. It’s a smart choice for cat or dog parents looking to shield themselves from unexpected and costly vet bills. As with any insurance policy, be sure to read the fine print carefully so you know exactly what’s covered.

Lemonade Pet Insurance Reviews

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How do I know I can trust these reviews about Lemonade Pet Insurance?
How do I know I can trust these reviews about Lemonade Pet Insurance?
  • 3,769,791 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.

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 10, 2022

Our dog is very much a beloved member of our family and we have shared many adventures and memories over the past ten years together. We have always had insurance for her for peace of mind and in the hopes that we would never really need to use it. Unfortunately we were recently devastated to learn that she has cancer. This is not an easy thing to go through and having pet insurance through Lemonade has been one of the rare bright moments of this experience. The staff have been kind and accommodating. The process has been straightforward and understandable with no hassle. We are grateful that we had coverage through Lemonade and highly recommend that if you have furry family members you consider insurance for them too.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 23, 2022

    My first pet goldie a toy poodle had a tumor on the brain stem. The vet wasn't able to remove it so I had her have radiation therapy at Texas A&M and it was very costly. I didn't have insurance on her and I paid roughly 12000.00 trying to save her life. I didn't have insurance then. I told myself I would get insurance on the pets I would have from then on. So I bought insurance on 3 dogs Buddy, Molly, and GG. Which cost me roughly 45.00 a month for each. Molly had a yeast infection in her ear. I filed the claim and Lemonade responded quickly and I received the money I spent at the vet within 24 hours. I highly recommend Lemonade Pet Insurance. Please don't make the mistake I did and not have insurance. Lastly, I googled searched who had the best pet insurance and it came back with Lemonade. I'm happy I listened to google and added Lemonade.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 23, 2022

    Lemonade is a top-tier company that provides amazingly fast and friendly service. They have provided us with amazing service that has given us a peace of mind with the preventive puppy care package they provide. Our little Winston is healthy energetic pup thanks to the awesome policies and coverage Lemonade offers. They are so quick to respond to my questions via emails, and do have a customer service # if you need to talk to a Hooman. They approve claims same day without any hassles and the claim process is super easy!

    As a note, make sure you have your documents ready for scan as you can’t save the documents to your phone and upload them that way. The Lemonade app is user-friendly and never has any issues so far. I’m in love with Lemonade and glad I went with them for our pet insurance. Its competitive prices and overall amount of cover they provide each year was a lot more then ASPCA and other companies I researched. Thanks again for all help you’ve done so far.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 16, 2022

    I filed my first claim for our puppy. I wondered how it would work and if the claim would go through. Once I filed the required documents, I was very surprised to see that my claim was approved in less than 1 second and the reimbursement was deposited into my account the next day. I was very impressed because I did not expect this.

    The only reason for four stars instead of five is that the app to file the claim is a little cumbersome. I'd like to have a couple of other options to file a claim other than through my phone, such as online (through the web via computer) or a tablet (with an app configured to support a tablet sized screen). I now know my way around the app, so next time should be an easier experience. Overall, I am impressed and recommend Lemonade for pet insurance.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 2, 2022

    When I adopted my dog March 2020, I didn't fully understand the health issues that can come with a pup. After he sniffed up a handful of fire ants and I rushed him to the emergency vet, I quickly learned my lesson and tried to find the best insurance for him that would cover all of the accidents he would come across but also not breaking the bank - that's where I found Lemonade. All of my claims and updates to my plan have been easily handled with great communication from Lemonade reps. I hands down recommend it to friends and am looking to move over my renters insurance and eventually car insurance once it opens up for my state. The app is easy to navigate, plans are laid out in a way that's easy to understand, and prices are almost always cheaper than other places. For a Zillennial, it's easier for me to work through chat and email than calling someone up or going in person so it definitely works in my favor.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 11, 2022

    The response time from Lemonade was quick, professional, and thorough. From start to finish, our request was taken care of and we are very satisfied with the results. All of our work with Lemonade has been terrific so far. Our puppy is happy and so are we! Thanks for everything!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 11, 2022

    David went above and beyond to calmly talk to me when I was very stressed out about a major surgery for my dog. He handled my claims quickly and did a great job. I had a couple other small claims which were also processed quickly and efficiently by other team members. Thank you guys for being so great!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 9, 2022

    Our claim was submitted on May 6, promptly reviewed and approved on May 9, for nearly 80% of our total surgical bill, which was over $3000. Our reviewer's final email was detailed and informative, explaining the reason one item was not covered, along with providing other information. In terms of process improvement, I think it would have been better for me if our reviewer had explained things along the way, instead of waiting until her last email. But all-in-all, very satisfied with outcome.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 9, 2022

    In a series of unfortunate events, I had two cats get very sick in a couple months. Though we are still in the middle of one cat/s battle with a horrible fungus, Lemonade has been supportive the whole way. Five specialists, countless diagnostics and treatments, and finally something is working. We could not have done this without Lemonade. The other cat made a poor choice of snacks and ended up in ER surgery over Easter. Thankfully recovered and all is well.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 7, 2022

    Paisley has been having many many issues with her tummy, which means a lot of trips to the vet. Being in grad school makes it difficult to cover those vet bills. Having Lemonade Pet Insurance takes the stress off of having to make tough decisions about costly care. It’s very user friendly, and the Lemonade team is quick to respond with kindness and helpful information. Without Lemonade, Paisley wouldn’t be able to get the care she needs to help figure out what’s going on.

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    Lemonade Pet Insurance Company Information

    Company Name:
    Lemonade Pet Insurance
    Website:
    www.lemonade.com