Lemonade Pet Insurance offers a modern and customizable approach to protecting your pet from costly veterinary bills. Its basic plan covers accidents and illnesses, with options to add preventative care and specialized treatments such as dental illness, physical therapy, and end-of-life services. With flexible coverage options and discounts, including a 5% multi-pet discount, a 10% bundle discount, and savings for paying annually, Lemonade makes it easy to lower your premiums.
Pets covered: Dogs, Cats
Annual Coverage: $5,000 to $100,000
Coinsurance: 70%, 80%, or 90%
Deductibles: $100, $250, $500, or $750
Waiting Periods: 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events
Age limits: No pets under 8 weeks, no upper age limit
Customer Support: Phone, email, and chat
Lemonade stands out for its user-friendly experience and flexibility. You can adjust coverage to fit your needs and budget by selecting your annual deductible, coinsurance rate, and coverage limit. Additionally, Lemonade offers a quick claims process through its mobile app, with nearly 30% of claims processed instantly.
Lemonade’s policies provide broad coverage for accidents and illnesses, including:
Preventative: Wellness exam, parasite tests, heartworm test, bloodwork, vaccines, and medical advice chat.
Preventative+: All Preventative features plus flea/tick/heartworm medication and routine dental cleaning.
Puppy/Kitten: All Preventative+ features plus microchipping, spaying/neutering, extra vaccines, and exams.
Lemonade does not cover:
Lemonade’s pricing varies based on factors like your pet’s age, breed, and location. While specific costs depend on your customization choices, premiums can start as low as $10 per month in some areas.
If you are looking for a customizable plan Lemonade lets you tailor your policy to match your needs and budget. Deductibles range from $100 to $750, and coinsurance rates are available at 70%, 80%, or 90%. Coverage limits start at $5,000 and go up to $100,000 annually, offering flexibility for various circumstances.
You can save even more with these discounts:
Lemonade Pet Insurance offers flexible options to tailor your policy to your financial preferences. You can select an annual deductible of $100, $250, $500, or $750. After meeting your chosen deductible, Lemonade reimburses a percentage of eligible veterinary expenses, with reimbursement rates available at 70%, 80%, or 90%. Opting for a higher deductible or a lower reimbursement rate can reduce your monthly premium, while a lower deductible or higher reimbursement rate may increase it.
Lemonade allows you to customize your annual coverage limit to suit your pet's needs and your budget. Available annual limits range from $5,000 to $100,000. Selecting a higher coverage limit provides more extensive financial protection but may result in higher premiums. Conversely, a lower coverage limit can make your policy more affordable but offers less coverage for significant expenses.
Lemonade's waiting periods are designed to prevent fraudulent claims and ensure coverage for unforeseen events. The waiting periods are as follows:
These waiting periods commence from your policy's start date. It's important to note that any condition manifesting during these waiting periods will be considered pre-existing and, therefore, not covered. Preventative care coverage, if added, typically begins the day after your policy's start date.
Lemonade’s claims process is straightforward and efficient. Submit claims via the mobile app or website, and reimbursement is sent directly to your bank account. With 30% of claims paid instantly, you don’t have to wait long for reimbursement.
Customer support is available via phone, email, and chat from 9am to 8pm ET, Monday through Friday.
Pet owners appreciate Lemonade’s fast activation of accident coverage (just 2 days) and immediate start for preventive care. The combination of quick claims, flexible coverage, and multiple discounts makes it a favorite among pet parents.
While Lemonade offers great flexibility, its coverage is not available in every state. Preventive care is only offered as part of add-on packages, and certain specialized conditions may not be covered.
Phone: 844-733-8666
Email: help@lemonade.com
Address: 5 Crosby St., 3rd Floor, New York, NY 10013
Lemonade Pet Insurance is a standout option for pet parents looking for customizable, affordable, and user-friendly insurance. Its comprehensive coverage, fast claims process, and attractive discounts make it an excellent choice for protecting your furry family members. However, coverage availability may vary by state, so check to ensure Lemonade operates in your area.