- Upper age limit
- $100, $250, $500
- Reimbursement rates
- 70%, 80%, 90%
- Annual limits
- $5,000 - $50,000
Lemonade is our top pick for pet insurance because you can customize your dog or cat care plan to fit your needs and budget. Plans start around $14 per month and increase based on your level of coverage and other factors. There is a mobile app to help you manage your claims, but note that the waiting period for coverage may be longer than some other insurers (two days for accidents, 14 days for illnesses).
Make sure you review the company policies and plans for any exclusions, such as dental illnesses, preexisting conditions and prescription diets. The company does offer some riders and add-ons that may allow coverage for these.
Lemonde’s pet coverage is available in 37 states and Washington, D.C. Some packages include live, 24/7 vet chats and coverage for genetic conditions. The preventive care package comes with dental care coverage. Bundle and save 10% on your pet insurance when you use Lemonade for other insurance needs.
We recommend Lemonade pet insurance for the following:
- Quick claims process
- Optional wellness package
- Discounts for multiple pets
Some factors of Lemonade pet insurance to consider include:
- Not currently available in all states
- Long wait periods
- No accident-only plan
“The staff is caring and always asks about my dog and her well-being and make the claims process smooth,” said one reviewer in Virginia. Others agree that Lemonade is quick to approve claims. A number of reviewers cautioned that Lemonade has a tendency to classify health problems as preexisting and not cover those issues.