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Lemonade Insurance
Reviewed by Jeffrey Hanschmann, Licensed Insurance Producer
Updated July 1, 2026
Why Lemonade?
Lemonade is a modern, app-first pet insurance provider known for its fast claims process, customizable coverage options, and optional add-ons that let you tailor your plan. With AI-powered claims handling, many claims are reviewed and paid almost instantly.
Pricing
Plans Offered
Lemonade plans cover accidents, illnesses, and emergencies, with optional routine care add-on available.
ACCIDENT AND ILLNESSCovers accidents and illnesses, with customizable coverage limits, deductibles, and reimbursement rates.
Deductible Levels: $100, $250, $500, or $750Reimbursement Levels: 70%, 80%, or 90%Annual Limit Options: $5,000, $10,000, $20,000, $50,000, or $100,000 (options may vary by state)
What's Covered / Not Covered
COVERED (ACCIDENT & ILLNESS PLANS)
Lemonade's Accident & Illness plan covers the following when your pet is injured or becomes ill:
- Accidents (broken bones, swallowed objects, cuts)
- Illnesses (infections, digestive issues, and more)
- Cancer diagnosis & treatment
- Chronic conditions (such as allergies and arthritis)
- Congenital conditions
- Diagnostic tests (X-rays, MRIs, CT scans, ultrasounds)
- Emergency & urgent care
- Hereditary conditions
- Hospitalization
- Specialty care & referrals
- Prescription medications (for covered conditions)
- Bloodwork & lab testing
- Surgery & procedures
- Poison control & toxic ingestion
- Curable pre-existing conditions if no symptoms are present after one year (in most states)
NOT COVERED
Standard exclusions include:
- Pre-existing conditions (curable conditions may become eligible after a symptom-free period)
- Vet exam fees, dental illness, behavioral issues, and routine/preventative care (each available as optional add-ons)
- Spaying/neutering, breeding & pregnancy, elective/cosmetic procedures, food, supplements, and experimental treatments
- Obedience training, lost pet advertising and reward, boarding fees due to owner hospitalization, bilateral conditions, holistic care
Routine Care Add-Ons
Lemonade wellness plans are available in three different tiers:
Preventative Care
- 1 Wellness exam
- 1 Fecal or internal parasite test
- 1 Bloodwork
- 3 Vaccines
- 1 Heartworm FeLV/FIV test
Preventative Care+Everything from Preventative Care, as well as:
- Flea/Tick or Heartworm Medication
- Routine Dental Cleaning (depending on state of residence)
Preventative Care For Puppies And Kittens
- 2 Wellness exams
- 2 Fecal or Internal Parasite Tests
- 1 Bloodwork
- 6 Vaccines
- 1 Heartworm or FeLV/FIV Test
- Flea/Tick or Heartworm Medication
- Spay/Neuter Procedure
- Microchip
Enrollment Requirements
- Minimum Enrollment: 6 weeks
- Maximum Enrollment: 14 years
- Medical Review: Records are requested at the time of enrollment
- Valid United States address: Your pet must reside with you at the primary address you list for your insurance provider
- No Enrollment Fee
Waiting Periods
The waiting period varies by state.In general:
- Accidents: 2 days (0 days in some states*)
- Illnesses: 14 days
- Orthopedic conditions: 30 days (varies by state); cruciate ligament events: 6 months (varies by state)
- Intervertebral Disc Disease (IVDD): 30 days (varies by state)
- Wellness: 1 day
How to File a Claim with Lemonade
1) Choose a Plan:
Select a policy that fits your pet's needs and your budget.
Use PIPA's free tool to see if Lemonade is the best option for you and your pet(s).
2) Pay Upfront:
Visit any licensed veterinarian in the U.S. and pay for your pet's care at the time of the visit.
3) Submit Claim:
Claims can be submitted through one of the following Lemonade channels. The window to file is 180 days, except in Texas which has a 90 day window:- Lemonade mobile app (fastest — AI reviews many claims, and over half are paid almost instantly)
- Lemonade website (lemonade.com)
4) Get Reimbursed:
Over half of Lemonade claims are reviewed and paid instantly, and most are handled within a few days. Reimbursement is sent to your bank account or card, and the amount depends on your deductible, reimbursement rate, and annual limit.
Note: Medical records covering your pet's recent history are required to process your first claim. Lemonade reimburses you directly and does not offer pay-the-vet-directly at this time. You have 180 days to file a claim (90 days in Texas).
Customer Support
Lemonade support can generally be reached via:Phone: 1-844-733-8666Email: help@lemonade.comIn-app chat: message Lemonade's AI assistant, Maya, anytime through the Lemonade app
Cancellation Policy
- In most states, a 30-day money-back guarantee applies: cancel within the first 30 days with no claims filed for a full refund (eligibility varies by state).
- You can cancel anytime, for free, through the Lemonade app, by email, or by phone, and you'll be refunded for any unused portion of your premium.
PIPA's Review
Lemonade is a well rated modern pet insurer known for:
- A highly rated, fast, app-first claims experience
- Customizability: choose from 4 deductibles, 3 reimbursement rates, and 5 annual limits up to $100,000
- Optional add-ons let you tailor coverage — wellness/preventative packages, vet visit fees, dental illness, physical therapy, behavioral, and end-of-life care
- Discounts for insuring multiple pets, bundling with other Lemonade policies, and paying annually
- Curable pre-existing conditions can become eligible for coverage after a symptom-free period — a real differentiator
Considerations:
- No accident-only option available
- No pay-the-vet-directly option
- Minimum enrollment age is 8 weeks; maximum enrollment age is breed-specific (generally 10–14 years)
- Vet exam fees, dental illness, behavioral coverage, and routine care all require paid add-ons — the base plan is leaner than some competitors
- Not available in every state, and waiting periods and some options vary by location. Support is heavily app/AI-based, so reaching a person can take longer.