A basic Lemonade policy will cover these costs:
You can also add on Lemonade’s Preventative and Wellness plan for an additional monthly cost. This add-on plan covers:
Additionally, Lemonade’s Extended Accident and Illness package will cover fees associated with vet visits and physical therapy treatments, such as chiropractic care, for an additional cost. Pet owners can choose both add-on insurances or select which one they prefer. And a Lemonade policy with both add-ons still ends up cheaper than many competitors' basic policy.
Pricing varies on location, pet, and deductible amount. Pet owners can opt for 70%, 80%, or 90% coverage with an annual deductible of $100, $200, or $500, and an annual limit anywhere from $5,000-$100,000. Choosing different coverage options will change your monthly price, but it’s entirely customizable. Here are a few examples of coverage costs:
Lemonade does not cover animals younger than two months. Pre-existing conditions and illnesses and behavioral conditions are also not covered. Pet owners will not be covered in these events either:
Lemonade offers three different waiting periods once a policy’s start date is in place.
Pet owners can choose their coverage limits from $5,000 to $100,000. Usually, the difference in coverage limits only costs pet owners an extra dollar or two per month, so be sure to select different scenarios Lemonade’s automatic claims quote to find the right coverage and price for your pet.
Lemonade allows pet parents to choose between a 70, 80, or 90% reimbursement rate and an annual deductible of $100 to $500. The deductible is what you must first pay for insurance coverage to kick in.
For example, if you have an 80% reimbursement rate and $250 deductible for your two-month-old puppy and they swallow a toy, your vet might charge $5,000 to remove it. With Lemonade, you will pay $1,250, and insurance will cover $3,750. If another incident or vet visit happens within that year, you will not have to pay your deductible again.
All Lemonade claims are made through their app. Once you sign-in to the app, just file a quick claim. Lemonade makes the claim process quick and simple, and many times claims are reimbursed the same day. Lemonade must connect with your bank account to send you your reimbursement.
Pet owners will love that Lemonade has a minimal waiting period for accidents and illnesses. Coverage is also very affordable for most young pets. The fast claim filing process is easily done through the Lemonade app, so you can possibly get reimbursed even before you leave the vet’s office.
While Lemonade is an excellent pet insurance option, they are not as widely available as some other options yet.
To contact Lemonade, use the company’s website AI chat or through the app. Additionally, here is Lemonade’s phone number and support email address:
For pet insurance that is streamlined and flexible, Lemonade offers great premium prices for young and healthy pets.
This review was gathered through researching Lemonade’s website and gathering quotes from possible pet scenarios. The reviewer also took into account the information and reviews left on BBB and Trustpilot about Lemonade.