Lemonade Pet Insurance Review 2025

Lemonade earned 3.9 stars out of 5 for overall performance.

The company sells pet insurance online through its user-friendly website and app. It offers accident and illness coverage, plus wellness plans that help cover the costs of routine vet visits and vaccinations. But some common types of coverage cost extra, and Lemonade doesn't operate in every state.

Lemonade reimburses some claims almost instantly. Its highly rated app makes it easy to get a quote, file a claim or manage your policy.

Lemonade takes a flat fee from each premium as its profit, then uses the rest to pay claims. If there's anything left over at the end of the year, the company donates it to nonprofit organizations chosen by policyholders.

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Lemonade offers these pet insurance plans for cats and dogs.

Accident and illness

Lemonade’s accident and illness plan covers care for health conditions like diabetes and cancer, plus injuries like cuts and broken bones. The plan pays for the basics, including:

• Diagnostic tests, such as blood tests, urinalysis, MRIs, X-rays, lab work, CT scans and ultrasounds.

• Outpatient, specialty and emergency care procedures.

• Hospitalization.

• Surgery.

• Injections to treat a covered condition.

• Prescription medications.

Extended coverage

Policyholders can choose various add-ons to cover things like:

• Vet visit fees for eligible accidents or illnesses.

• Physical therapy treatments like acupuncture and hydrotherapy.

• End-of-life and remembrance costs, such as euthanasia, cremation and memorial items.

• Dental illness like gingivitis, plus procedures such as extractions and root canals.

• Therapy and medications for behavioral conditions.

Wellness

With one of Lemonade's wellness plans, you'll get discounts on routine vet visits without needing to reach a deductible.

Lemonade's Preventative Care package for adults covers:

• One wellness exam.

• One fecal or internal parasite test.

• One heartworm or FeLV/FIV test.

• Bloodwork once a year.

• Up to three vaccines or boosters.

The Preventative+ Care package for adults covers all of the above plus flea, tick or heartworm medication. It can also help pay for routine dental cleaning.

Lemonade's Puppy/Kitten Preventative Care package covers:

• Two wellness exams.

• Fecal or internal parasite testing.

• Heartworm or FeLV/FIV testing.

• Bloodwork.

• Vaccines or boosters.

• Flea, tick or heartworm medication.

• Spaying/neutering.

• Microchipping.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: What does pet insurance cover?

Lemonade's plans don't cover:

• Incidents that occur before the end of your plan's waiting period.

• Costs related to health issues your pet had before you bought the policy.

• Prescription food.

• Bilateral conditions (conditions that affect two sides of the body). If your pet has a condition such as cataracts or hip dysplasia before you buy a policy, it won't be covered if it develops on the other side later. However, bilateral conditions are covered if the first occurrence is after you've purchased a policy.

• Issues related to fighting, racing or abuse.

• Experimental treatments.

» MORE: Is pet insurance worth it?

Deductibles: $100 to $750 per year. Learn more about pet insurance deductibles.

Reimbursement amounts: You can choose to have Lemonade pay 60%, 70%, 80% or 90% of your vet bills after you’ve met your deductible.

Coverage limits: Unlike many pet insurers, Lemonade doesn’t offer an unlimited annual coverage option. Its limits range from $5,000 to $100,000 per year.

Age restrictions: Lemonade doesn't insure pets under 8 weeks old. In some states, all pets under age 15 are eligible to enroll. In other states, the maximum age limits vary by breed.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. Lemonade's waiting periods are 14 days for illnesses and 30 days for orthopedic conditions. One unique feature of Lemonade plans is that there’s no waiting period for accidents.

» MORE: Does pet insurance cover surgery?

The cost of Lemonade pet insurance depends on where you live, the coverage limits you choose and your pet’s breed and age.

Sample rates for dogs

To give you a rough idea of how much you might pay, we gathered sample rates for several popular dog breeds at ages 2 and 8. Rates below are sample monthly premiums for dogs living in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

Sample rates for cats

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

» MORE: The best cheap pet insurance

Discounts

You can get a 10% discount on your pet insurance plan by bundling it with another policy from Lemonade such as homeowners, renters or auto insurance.

Lemonade also offers a discount up to 10% for insuring two or more pets and a 5% discount if you pay your premium annually instead of monthly.

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Lemonade sells pet insurance in 41 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

» MORE: How much does pet insurance cost?

Website: Lemonade's website is sleek and user-friendly; it takes only a few minutes to get a quote. You can buy a policy online if you're happy with the offered price.

Mobile app: Lemonade's app is compatible with Apple and Android devices. It makes purchasing and managing your pet insurance policy easy.

You'll file claims on the Lemonade app. The company says it pays many of its claims immediately.

When calculating your claim payout, Lemonade applies your reimbursement percentage to your vet bill before subtracting your deductible. This is a less generous method than some insurers use.

Here’s how the math would work if you had a $2,000 vet bill, a $500 deductible and an 80% reimbursement rate:

Chat: For answers to simple questions, launch the chatbot feature on the app or website. Lemonade policyholders also have access to Chewy’s Connect with a Vet service, which lets you chat live with a veterinarian or vet tech.

Email: You can send a message to help@lemonade.com.

Phone: Call 844-733-8666.

» MORE: Lemonade life insurance review

Reddit is an online forum where users share their thoughts in “threads” on various topics, including financial subjects like pet insurance. We used artificial intelligence to browse Reddit forums for posts about insurers, then manually sifted through the results and summed up consumer sentiment about each company. People post anonymously, so we cannot confirm their individual experiences or circumstances.

Reddit comments about Lemonade pet insurance are mixed. Many posters share positive experiences, praising Lemonade for quick claims processing and good customer support. Others appreciate its affordable pricing and charitable Giveback program. Several people note that Lemonade has paid thousands of dollars in vet bills without an issue.

The most common complaints tend to be posts about claims being denied or processed slowly. This often stems from disputes over whether the claim is related to a pre-existing condition. Other Redditors express frustration about rate increases.

Questions from Reddit: Our experts answer

Why did Lemonade raise my rates?

It’s fairly typical for pet insurance companies to raise your rates at least a little every year. Veterinary costs go up with inflation, and pets tend to have a higher risk for health problems as they get older. Rate increases may vary based on where you live, how old your pet is and what breed they are.

If you’re unhappy with your new rate, you can try raising your deductible, reducing your coverage or shopping around with other companies. Keep in mind, however, that if your pet has any medical issues, they’ll be considered pre-existing conditions for a new insurer.

Why did Lemonade deny my claim?

Pet insurance companies deny claims for a variety of reasons. Your insurer will generally provide you with a written explanation for its decision. One common reason for denials is that the claim is related to a condition your pet had before your coverage took effect. Another reason is that your policy doesn’t cover a particular type of treatment or service. (For example, Lemonade policies don’t cover prescription food.)

If you disagree with a claim denial, you can usually try to appeal it with your insurance company. You can also file a complaint with your state’s department of insurance.

Here's how Lemonade stacks up against three other popular pet insurance companies.

Lemonade vs. Pumpkin

The key differences between Lemonade and Pumpkin pet insurance are:

Mobile experience. Lemonade's app is the main place to manage your policy, while Pumpkin doesn't have an app at all. However, Pumpkin does have a mobile-friendly website.

Availability. Pumpkin is licensed to sell pet insurance in all 50 states plus Washington, D.C. Lemonade isn't yet available in certain areas.

» READ MORE: Pumpkin pet insurance review

Lemonade vs. Healthy Paws

The main differences between Lemonade and Healthy Paws pet insurance are:

Coverage limits. While Lemonade's top annual payout limit is generous at $100,000, Healthy Paws offers unlimited coverage for all pets.

Wellness coverage. If you're interested in coverage for wellness care to keep your pet healthy, Lemonade is the better fit. Healthy Paws doesn't offer preventive care plans.

» READ MORE: Healthy Paws pet insurance review

Lemonade vs. Trupanion

The most important differences between Lemonade and Trupanion pet insurance are:

Deductibles. Trupanion takes a unique approach to deductibles compared to other pet insurance companies, including Lemonade. It charges deductibles per condition rather than per year. Once you've met each deductible, you won't have to cover any further costs related to those conditions over the life of your pet.

Extra coverage options. Unlike Lemonade, Trupanion offers no option to cover wellness care. However, it does sell a Pet Owner Assistance package, which covers things like a reward for a lost pet and boarding fees if you're hospitalized.

» READ MORE: Trupanion pet insurance review

• See all of NerdWallet’s pet insurance reviews

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