Lemonade Pet Insurance Review

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What Does it Cover

A basic Lemonade policy will cover these costs:

• Diagnostics: Blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, and ultrasounds

• Procedures: Outpatient, specialty and emergency care, hospitalization, and surgery

• Medication: Injections and prescription meds

You can also add on one of Lemonade’s Preventative Care plans for an additional monthly cost. 

The Routine Vet Care add-on plan covers:

• Annual wellness exam

• Up to 3 vaccines

• Annual heartworm and parasite test

• Annual blood work

The Routine Vet Care Plus add on plan covers: 

• Annual wellness exam

• Up to 3 vaccines

• Annual heartworm and parasite test

• Annual blood work

• Routine dental cleaning

The Routine Vet Care add-on for puppies and kittens covers:

• 2 wellness exams

• 2 fecal or internal parasite tests

• 1 bloodwork 

• Up to 6 vaccines

• 1 heartworm or FeLV/FIV test

• Flea/tick or heartworm medication

• Spay/neuter procedure

• Microchipping 

Additionally, Lemonade gives you the options to choose accident and illness add-ons that can cover fees associated with the following: 

• Vet visits 

• Dental illness 

• Therapies and treatments for behavioral conditions, 

• Physical therapy treatments, such as chiropractic care 

• End Of Life Coverage to cover costs related to vet-recommended euthanasia, cremation, and memorial items. 

Pet owners can choose both add-on insurances or select which one they prefer. 

These add-ons come with additional charges, but in many cases, a Lemonade policy with these add-ons can end up cheaper than many competitors' basic policies.

Insurance Plans & Pricing 

Pricing varies on location, pet, and deductible amount. Pet owners can opt for 70%, 80%, or 90% coverage with an annual deductible of $100, $250, $500,or $750 and an annual limit anywhere from $5,000-$100,000. Choosing different coverage options will change your monthly price, but it’s entirely customizable, with flexibility to continue to customize coverage mid-term.      Here are a few examples of coverage costs:

Four-year-old dachshund from Los Angeles, Calif. cost $32.67 per month with 80% coverage, $20,000 max coverage, and an annual deductible of $250.

One-year-old mixed breed cat from New York, New York costs $10 per month with 70% coverage, $20,000 max coverage, and a $500 deductible. 

Two-month-old medium mixed breed puppy from Raleigh, North Carolina, costs $24.33 per month for 90% coverage, $100,000 max coverage, and a $100 deductible.

What is Not Covered

Lemonade does not cover animals younger than two months. Pre-existing conditions and illnesses are also not covered. Pet owners will not be covered in these events either:

• Elective surgery

• Alternative and experimental treatments

• RX food 

• Orthodontics 

• Breeds that are domestic/wild hybrids

Waiting Periods

Depending on where you live, your policy could have different waiting periods. Here are a few different waiting periods your policy may include:

• 14 days for illnesses

• 30 days for orthopedic conditions

• No waiting period for preventative care or accidents**

• 6 months for cruciate ligament events (a common knee injury for dogs, similar to a human tearing their ACL)

**For now, this waiting period applies to the following states: Arkansas, Wisconsin, Colorado, Pennsylvania, New Jersey, New York, Rhode Island, Massachusetts, Virginia, Illinois, Texas, New Mexico, Iowa, Tennessee, Georgia, Alabama, Connecticut, South Carolina, Maryland, Indiana, Ohio, Washington, Nebraska, New Hampshire, Mississippi, Washington, D.C., Utah.

For other states, there is a 2-day waiting period for accidents.

Coverage Limits

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.

Reimbursement and deductibles

Lemonade allows pet parents to choose between a 70, 80, or 90% reimbursement rate and an annual deductible of $100 to $750. 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. 

Claims and Service 

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. 

What You Might Like 

Pet owners will love that Lemonade has a minimal waiting period for accidents and illnesses. Coverage is also very affordable for most young pets, and there is a multi-pet discount of up to 10% available for eligible policyholders. 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. Additionally, they are one of the more flexible options, offering most customers the ability to reduce coverage mid-term. 

What Lemonade Could do Better

While Lemonade is an excellent pet insurance option, they are not as widely available as some other options yet. 

Contact Details and Address

To contact Lemonade, use the company’s website AI chat or talk to a representative through the app. Additionally, here is Lemonade’s phone number and support email address:

• Phone: (844) 733-8666

• Email: help@lemonade.com

Bottom Line

For pet insurance that is streamlined and flexible, Lemonade offers great premium prices for young and healthy pets. 

Methodology

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.