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Insurance Pet Insurance

Lemonade Pet Insurance Review

Updated Jun 19, 2023   |   3-min read
Aly Yale Author Photo
Reviewed by Aly Yale
Aly Yale Author Photo
Reviewed by Aly Yale

Expertise: Home equity, mortgages, real estate

Aly Yale is a freelance writer with more than a decade of experience covering real estate and personal finance topics.

Learn more about Aly Yale
View Rates

Affordable policies and an easy online quote process

  • Monthly premium: $10 and up
  • Benefit limit: $5,000 to $100,000
  • Deductibles: $100, $250, or $500
  • Reimbursement: 70%, 80%, or 9

Lemonade is a digital insurance company that offers renters, homeowners, and pet insurance policies. The company has been in business since 2015 and offers pet insurance coverage in 33 states plus the District of Columbia.

If you’re considering a pet insurance policy with Lemonade, read on to learn more.

In this review:

Policy details

Policy details
Eligible breedsNo stated restrictions
Eligible agesNo stated limit, but our attempts at quotes for dogs aged 10+ and cats aged 12+ were unsuccessful. Lemonade will never cancel coverage because of age.
Maximum benefit$100,000
Reimbursement70%, 80%, or 90%
Deductible$100, $250, or $500
Monthly premium$10+
Waiting period for illnesses2 weeks
Waiting period for accidents2 days
Medical exam required?Yes
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What does Lemonade cover?

Lemonade’s basic pet insurance covers accidents, medications, and illnesses. You can also add on preventative and wellness care coverage to help keep your pet healthy. You can also extend accident and illness coverage to get even more.

Here’s a look at what Lemonade offers:

  • Diagnostics due to accident or illness, including bloodwork, X-rays, MRIs, and ultrasounds
  • Emergency care
  • Outpatient and surgical procedures
  • Medication
  • Wellness and preventative efforts, including annual exams, heartworm testing, and vaccines (add-on coverage)
  • Extended accident and illness, including exam fees, physical therapy, and acupuncture (add-on coverage)

Here’s what’s not covered

  • Preexisting conditions
  • Experimental treatments, such as CBD oils
  • Dental care
  • General diagnostics unrelated to an accident or illness
  • Microchipping
  • Prescription food
  • Boarding or day care
  • Grooming

How much does Lemonade cost?

Lemonade’s pet insurance starts as low as $10 per month, but the cost can vary. The company considers your pet’s age, breed, size, where you live, and the costs of veterinary care in your area.

Adding on coverages such as wellness and preventative care will increase your cost.

Here’s a look at what it would cost to insure different pets:

Type of petLocationCost
Mixed-breed dog, 5 years oldBrooklyn, NY$30.33 per month
Maine coon cat, 7 years oldHouston, TX$24.58 per month
Labrador dog, 9 years oldSt. Louis, MO$77.33 per month
Domestic longhair cat, 11 years oldSt. Louis, MO$35.08 per month

As you can see, monthly premiums come in a broad range and depend on your situation.

Customer ratings

A company’s customer ratings can help you gauge its service quality, how quickly it pays out claims, and other important aspects.

Here’s where Lemonade ranks with customers:

SourceRating
App store4.9/5 (Apple) 4.5/5 (Google Play)
Better Business Bureau4.41/5
Trustpilot3.1/5
Google3.3/5

Pros and cons of Lemonade pet insurance

Pros

  • Easy and fast online application process

  • Additional wellness and preventative coverage offered

  • Low costs

  • Discounts available if you have a renters or homeowners policy with Lemonade

Cons

  • Age restrictions apply

  • Not available in all 50 states

How to get a pet insurance policy with Lemonade

To apply for an insurance policy with Lemonade, you’ll need to live in one of the 33 states where this coverage is currently offered. Here are the states where Lemonade pet insurance is offered:

AvailableNot Available
Alabama
Arizona
Arkansas
California
Connecticut
District of Columbia
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
Wisconsin		Alaska
Colorado
Delaware
Florida
Hawaii
Idaho
Kansas
Kentucky
Louisiana
Maine
Massachusetts
Minnesota
South Dakota
Vermont
Wyoming

If you’re in a covered state, getting a policy is simple. Here’s how it works:

  1. Visit Lemonade’s website
  2. Enter your pet’s name
  3. Select dog or cat
  4. Enter your address, and wait for the map to populate
  5. Enter your pet’s age, breed, and gender
  6. Select your pet’s size and weight
  7. Select your pet’s overall health
  8. Add other pets in your household
  9. Review your quote, add desired coverages, and enter your payment information

Once you’ve paid and the waiting period has passed, your pet is insured.

Where to find Lemonade alternatives

Lemonade offers low-cost pet insurance policies, but it’s not your only option. Make sure to compare multiple options to ensure you get the best rate and coverage for your pet’s needs.

You can check out our guide for a pet insurance comparison of the top companies or read our reviews of popular companies.

Want to view rates from Lemonade? Check out its website.

View Rates

  • Monthly premium: As low as $10
  • Benefit limit: $5,000 – $100,000
  • Reimbursement: 70%, 80%, or 90%