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Lemonade Pet Insurance Reviewed By Insurance Experts [2024]

Lemonade—A budget-friendly solution to protect your dogs and cats

Lauren Lee - Writer for DailyTails
By Lauren Lee
Kelly Hendrickse - Editor for DailyTails
Edited by Kelly Hendrickse

Updated November 16, 2023.

A cat and a dog sitting together.

Pet ownership means being responsible for your furry friend's mental and physical well-being for its lifetime, which can often be a heavy financial responsibility.

In 2023, upfront costs for new dog owners range from $1,144 to $5,360, while basic essentials costs can range from $560 to $3,860, annually. The American Society for the Prevention of Cruelty to Animals (ASPCA) estimates the average cost of cat ownership is $1,149 per year, although the first year tends to be more expensive, an average of $1,904.

Buying a pet insurance policy can take the stress out of worrying about your pet's health and give you the peace of mind that if your pet gets ill, you can get the best treatment possible.

Our Verdict

Lemonade Pet Insurance offers many coverage options that make it a great option.

This includes a comprehensive pet policy, optional preventative care packages that can save you money on routine vet visits, coverage for hereditary and congenital conditions, accident-only policies, and packages for behavioral conditions and end-of-life/remembrance services.

There are many things to pay attention to and consider when choosing the best plan for your pet(s), such as breed, pet's age when you purchase the policy, any existing health issues, and the policy's specific terms.

Read our Lemonade Pet Insurance review to see if Lemonade would be a good choice for your pet.


  • Affordable policies
  • Offers choices for preventative care
  • Fast claims process and quick payments


  • Not available in some states

» Unsure how to pick insurance? Check out these pet insurance considerations

Lemonade Pet Insurance at a Glance

Pets CoveredDogs and cats
PlansAccident & illness Preventative care packages Add-ons
Deductibles$100, $250, and $500
Reimbursement60%, 70%, 80%, or 90%
Add-Ons and DiscountsOptional wellness add-on Puppy/kitten wellness add-on Vet visit fees Dental disease And more


A woman is petting a cat on the table at the vet.

What They Cover

Lemonade Pet Insurance coverage includes:

  • Procedures: Emergency care, diagnostic tests, surgery for accidents and illnesses, hospitalization, outpatient care, and more
  • Diagnostic testing: Bloodwork, urinalysis, MRIs, X-rays, labwork, CT scans, ultrasounds
  • Prescription medication: These should be given by a licensed vet in case of accidents or illnesses
  • Lemonade preventive care packages: Optional, can choose what works for you

Does Lemonade Pet Insurance Cover Vaccines?

You can choose a Lemonade preventative care package that includes vaccines. The Puppy/Kitten Preventative package covers up to six vaccines a year.

Does Lemonade Pet Insurance Cover Spaying and Neutering?

You can elect to add a Puppy/Kitten Preventative package if you have a new pet. This add-on covers spaying or neutering and microchipping.


Are you asking yourself, "How much does Lemonade Pet Insurance cost?" Your Lemonade pet policy cost will ultimately depend on what you want from your policy and what type of pet you are insuring.

Premiums are based on several factors, including your pet's age, size, health history, and location. Then, you customize your Lemonade pet policy based on your pet's needs.

  • Preventative plan for dogs: From $15 per month
  • Preventative+ plan for adult dogs: From $22 per month
  • Preventative plan for puppies: From $40 per month
  • Preventative plan for cats: From $10 per month
  • Preventative+ plan for adult cats: From $15 per month
  • Preventative plan for kittens: From $31 per month

Deductibles and Reimbursement

Lemonade's annual deductible is customizable. A lower deductible health insurance plan is a great choice if your pet needs frequent vet visits as it decreases how much you have to cover yourself.

When you select your policy, you will select your reimbursement rate or amount of the bill Lemonade pays. You can choose 70%, 80%, or 90%.

How to file a claim with lemonade pet insurance:

  1. Upload the invoice you receive from the vet, containing a detailed description of your pet’s health problems and a receipt, onto the app.
  2. Your claim will be reviewed.
  3. Funds will be sent directly to your bank account.

Add-Ons and Discounts

Each Lemonade policy has the same basic plan for what is covered and what is excluded. However, pet owners can add additional coverage to meet their needs.

Lemonade offers a number of Preventative Care packages that help save you money before your pet is involved in an accident or becomes ill.

Here’s what these packages can help you cover:

  • Vet visit fees
  • Dental illnesses (tooth extractions, root canals, etc.)
  • Physical therapy
  • Care for behavioral conditions
  • End-of-life remembrance (euthanasia, cremation, commemorative items)
  • 10% bundle discount
  • 5% multi-pet discount
  • 5% annual discount (existing customers)

» Learn more about the most common dog illnesses

Lemonade Pet Insurance Alternatives

Here is how Lemonade Pet Insurance stacks up to competitors:

CoveragePriceBest For
Lemonade One single accident-and-illness planPlans start at $10/month; different wellness program add-onsComprehensive pet coverage
FetchCovers dental injuries and diseases and holistic treatments Annual limits of $5,000, $10,000, and $15,000Average of $35/month for dogs and $20/month for cats; wellness plans start at $10/monthPets with dental disease
WagmoOne accident and illness plan Three wellness plans Up to $100,000 in claims over a pet's lifetime$20-$59 for wellness plans; variable prices for pet insurance plansSpecial discounts on pet care and some unique, affordable offerings
EmbraceAnnual limit anywhere from $5,000Plans average $15-$40/month, depending on your pet; options for Wellness Rewards plansOwners who want coverage for curable pre-existing conditions
MetlifeAnnual limit options range from $1,000-$25,000As low as $9/month for cats and $15/month for dogsMultiple pets

» Discover reasons pet insurance is worth investing in

Bottom Line: Is Lemonade Pet Insurance Worth It?

Lemonade offers a budget-friendly range of options for pet owners looking to protect their pets' futures and customize their plans to fit their budgets and their pets' needs. So, is Lemonade Pet Insurance worth it? It's certainly worth considering if you want a policy that provides value for money.

Lemonade offers quality insurance plans that cover congenital and hereditary conditions, which many providers do not. Their array of add-ons makes choosing the features you want from a policy easy rather than paying for items you won't use. We encourage you to visit Lemonade's website for more specific details and to get a quote.


Does Lemonade Pet Insurance Cover Pre-Existing Conditions?

No, Lemonade does not cover pre-existing conditions.

Where is Lemonade Insurance Available?

Currently, Lemonade offers pet insurance policies in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, 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, and Wisconsin.

How Long is the Lemonade Waiting Period?

Lemonade's waiting periods are 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events.