Lemonade
4.9

out of 5

Lemonade Pet Insurance for Dog & Cat

Updated: November 13, 2023

Lemonade Pet Insurance is a great option for pet parents who are looking for a pet insurance policy with innovative features, quick claims processing, and generous reimbursement rates. They also offer a variety of coverage options to fit different budgets.

Lemonade Pet Insurance Details

    • Why Our Users Picked It:

      Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.

      Pros & Cons:

      • Some of the most affordable premiums out there
      • Comprehensive coverage
      • Great customer service
      • Easy claims process and quick payment times
      • No coverage for alternative therapies
      • 6-month waiting period for coverage of cruciate ligaments
      • Exam fees not covered in base policies

      Plan Limits

      • Per Condition Limit Our wellness package has limits on preventative care, but we don’t have per condition limits.
      • Lifetime Limit None.
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury
      • Hospitalization
      • Rehabilitation Yes with the Extended Accident and Illness package
      • Continual Care
      • Emergency Visits
      • Surgery
      • Dental Trauma Yes if caused by an accident
      • Foreign Object Ingestion
      • Congenital or Hereditary Conditions
      • Cancer Treatments
      • Dietary Supplements Not at this time
      • End of Life: Burial and Cremation Not at this time
      • Illness
      • Specialists Yes - depending on the condition
      • Prosthetics Not at this time
      • End of Life: Euthanasia
      • Prescription Drugs
      • Outpatient Care
      • Bilateral Conditions Yes - unless it is considered a pre-existing condition
      • Travel Coverage Not at this time
      • Vet Exam Fees Yes with the Extended Accident and Illness package
      • Medical Imaging
      • Organ Transplants Not at this time
      • Wellness Cover Yes with the Preventative and Wellness package
      • Lab Tests
      • Behavioral Treatments Not at this time

      Plan Summary

      Lemonade Pet Insurance is a relatively new company, but it has quickly become one of the most popular pet insurance providers in the United States. The company has been praised for its user-friendly website and app, its affordable premiums, and its quick and easy claims process. They offer Accident and illness coverage, Wellness coverage, Dental coverage, Prescription drug coverage, and Behavioral health coverage.

    Most popular State insured by Lemonade Pet Insurance

    Here are the top 10 State covered by Lemonade insurance.

    STATE / PROVINCE % of user
    California 16.37 %
    New York 10.53 %
    Washington 7.60 %
    New Jersey 5.26 %
    Florida 4.68 %
    Maryland 4.09 %
    Virginia 3.51 %
    Colorado 3.51 %
    Connecticut 3.51 %
    Pennsylvania 3.51 %
    Data source date 60 days, based on user selected percentage
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    Compare With Other Top Pet Insurance Providers 2024

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    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
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    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
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    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

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    Lemonade Pet Insurance FAQ?

    • Does Lemonade have any age limits for enrolling pets?

      Pets at least 8 weeks old are eligible for pet insurance. Also pets 14 years of age and younger may also be enrolled into a pet health insurance plan.

    • Does Lemonade pet insurance cover cancer treatments?

      It’s never easy to get a diagnosis of cancer. That’s why it’s a comfort to know your pet insurance will help you cover the cost of treatment. As long as your fur baby has been diagnosed with cancer while they enrolled, chemotherapy treatments are covered, as are diagnostic testing, needle aspirations and biopsies.

    • Does Lemonade offer any add-on plan options?

      Yes, Lemonade currently has five add-ons to choose from that will cover vet visits, physical therapy, dental illness, behavioral conditions, and end of life care/euthanasia/cremation.

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