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Protect your puppy, dog, kitten, or cat against unexpected vet bills. Join thousands of US pet owners who choose Lemonade for cheap, reliable coverage.
Why Choose Lemonade Pet Insurance?
Lemonade offers a digital-first, AI-powered pet insurance experience designed to make policy management and claims filing as frictionless as possible. Their standard accident and illness policies cover diagnostics, surgeries, emergency care, and medications.
Key Advantages:
- Lightning-Fast Claims: Submit claims through the Lemonade app and get paid in minutes, powered by artificial intelligence.
- Customizable Coverage: Adjust your co-insurance (70%, 80%, or 90%), annual deductible ($100, $250, or $500), and annual limit ($5,000 to $100,000) to fit your budget.
- Preventative Care Add-ons: Protect puppy wellness or adult pet preventative health (vaccines, fecal tests, annual wellness exams) with optional riders.
- Bundle & Save: Save 10% on your premiums if you bundle your pet policy with homeowners, renters, car, or term life insurance through Lemonade.
Lemonade Coverage & Plan Highlights
| Accidents & Illnesses | Included (Surgeries, X-Rays, Lab Work, Meds) |
| Genetic & Hereditary Conditions | Included (Dysplasia, hereditary conditions) |
| Wellness & Preventative Package | Optional Add-on (Vaccines, checkups) |
| Vet Visit Exam Fees | Optional Add-on |
| Physical Therapy Rider | Optional Add-on (Acupuncture, chiropractic care) |
What is covered under a Lemonade Policy?
Lemonade's accident and illness policy pays for diagnostics (like blood tests, urinalysis, MRI, CT scans, and ultrasounds) and treatments (like hospitalization, specialty care, outpatient procedures, and prescription meds) associated with unexpected injuries or illnesses. Common covered conditions include hip dysplasia, cancer, heart disease, skin infections, broken bones, and toxic ingestions.
Lemonade Pet Insurance FAQ
Is there a waiting period for Lemonade pet insurance?
Yes, like all pet insurers, Lemonade has waiting periods. There is a 2-day waiting period for accidents, a 14-day waiting period for illnesses, and a 6-month waiting period for cruciate ligament issues.
Does Lemonade cover pre-existing conditions?
No, pre-existing conditions (any illness or injury your pet showed symptoms of before enrollment or during the waiting periods) are not covered. This is standard across the pet insurance industry.
How do I file a claim with Lemonade?
Filing a claim is simple. Open the Lemonade app, explain what happened, upload a photo of your vet bill invoice, and submit. AI handles simple claims instantly, while complex claims are routed to their expert claims team.
Note: All statistics, rates, and coverage terms are subject to local state regulations and underwriting guidelines. Always review the final sample policy before completing your purchase.