Lemonade Pet Insurance Reviews: How It Stacks Up (2026)

Lemonade is an AI-powered insurance company known for its affordable pet insurance and highly rated mobile app. The company is a public benefit corporation that takes a flat fee for its insurance services and donates any excess funds to charitable causes that policyholders choose.^[1]

That means Lemonade has little incentive to deny claims. But despite many good customer service reviews and affordable rates, Lemonade’s coverage may be too limited for some pet owners.^[2] Here’s what you need to know to decide if Lemonade is right for your pet’s needs.

Lemonade pet insurance: Our verdict

Lemonade pet insurance plans and coverages

Lemonade offers a basic pet insurance plan with customizable features and several optional add-ons for an additional cost, along with three preventative package options.

The basic Lemonade pet policy: Accident and illness coverage

Lemonade’s base policy covers the following when your pet has an accident or develops an illness:

• Diagnostics, such as X-rays and blood tests

• Procedures, such as hospitalization and surgery

• Medication, such as injections and prescriptions

The policy comes with a few waiting periods you should know about. These waiting periods begin on your policy start date:^[3]

• Covers accidents after two days

• Covers illnesses after 14 days

• Covers orthopedic conditions after 30 days

• Covers cruciate ligament events after six months

Lemonade allows you to customize your reimbursement level, deductible, and annual limit to get a price that fits in your budget. You can choose from the following options:

• Reimbursement share: 70%, 80%, or 90%

• Deductible: $100, $250, $500, or $750

• Annual limits: $5,000, $10,000, $20,000, $50,000, or $100,000

Optional add-ons

You’ll also have the option to add select coverages for an extra monthly premium. Some of these coverages are automatically included in plans at other companies, which is part of the reason Lemonade’s base policy is so inexpensive.

• Vet visit fees: Pays examination costs for covered accidents and illnesses

• Physical therapy: Covers treatments such as chiropractic and acupuncture

• End of life and remembrance: Covers final expenses, such as euthanasia and cremation

• Dental illness: Covers tooth extractions and treatments for dental diseases

• Behavioral conditions: Covers therapies and medications recommended by your veterinarian for diagnosed behavioral conditions

Preventative package

If you opt for the preventative package, Lemonade will cover the following preventative care services before you meet your deductible. The limits for each service depend on the reimbursement level you choose, but the following are examples based on the 80% reimbursement option:

• Up to $50/year for an annual wellness exam

• Up to $35/year for a fecal or parasite test

• Up to $65/year for one set of blood work

• Up to $75/year for up to three vaccines

• Up to $40/year for one heartworm FeLV/FIV test

Like wellness plans from most companies, Lemonade’s preventative package is only worth it if you’ll use all the covered services, since it offers limited annual savings.

Preventative+ package

Lemonade’s Preventative+ package covers all preventive care services listed above, plus routine dental cleaning and flea/tick or heartworm medication. With 80% reimbursement, you’ll get up to $150 per year for dental cleaning and up to $65 for preventative medications.

Puppy/kitten preventative package

Lemonade also offers a package specifically designed to pay for routine care for puppies and kittens, which helps with some of the increased costs of wellness care over the first two years of your pet’s life. With 80% reimbursement, you’ll receive:

• Up to $100/year for two wellness exams

• Up to $70/year for two fecal or parasite tests

• Up to $65/year for one set of blood work

• Up to $40/year for one heartworm or FeLV/FIV test

• Up to $65/year for flea/tick or heartworm medication

• Up to $120 for a spay/neuter procedure

• Up to $40 for microchipping

What Lemonade doesn’t cover

Lemonade’s pet insurance policies come with more exclusions than some other pet insurance company plans.

• Anything that happens during the waiting period won’t have coverage.

• Pre-existing conditions that began before the waiting period are generally not covered, including bilateral conditions, like cataracts and hip dysplasia, that already occurred on the other side. But Lemonade may cover cured pre-existing conditions after your pet is symptom-free for 12 months, depending on your state and your policy.^[4]

• Lemonade doesn’t cover wellness care unless you purchase a preventative package.

• Lemonade doesn’t cover preventable conditions or illnesses or any injuries related to abuse, fighting, or racing.

• If you wait too long to file a claim, coverage may not apply. The timeline varies by state, but you’ll typically have 180 days to file a claim for covered services.

• Alternative therapies, like CBD, aren’t covered.

How much does Lemonade cost?

Lemonade pet insurance policies are fairly affordable. For dogs, Lemonade pet insurance costs $31 per month, on average. For cats, it costs an average of $18 per month. But pricing varies based on several factors, including:

• Pet species: Cats are generally less expensive to insure than dogs.

• Pet age: Policy prices are higher for older pets.

• Pet breed: Some breeds are predisposed to health conditions that make them more expensive to insure.

• Location: If you live in an area with a high cost of living, your premiums may be higher to reflect the local cost of veterinary care.

• Coverage options: Choosing a low deductible, a high reimbursement percentage, optional add-ons, and a high annual coverage limit will all increase the cost of coverage for your pet.

Lemonade pet insurance vs. competitors

With so many pet insurers on the market, it can be overwhelming to try to choose the right one. Your rate may vary depending on your chosen coverage level and add-ons, where you live, and your pet’s unique profile, so it’s worthwhile to compare multiple companies. 

Here’s how Lemonade’s average rates stack up against its competitors.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000	Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000
Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

How customers feel about Lemonade pet insurance

Lemonade has ratings of 4.9 out of 5 stars on the Apple App Store from more than 85,000 customers and 4.0 out of 5 stars on the Google Play Store from more than 19,000 customers.

Though the Lemonade app has excellent ratings and the company has an excellent score on Trustpilot (4.1 out of 5), customer reviews are mixed. Positive reviews note that Lemonade is easy and transparent to work with.^[2]

But negative reviews cite an increase in rates and denied claims.

On the BBB website, the company has 3.32 out of 5 stars. Many customers cite denied claims.^[5]

Is Lemonade pet insurance worth it?

If an emergency vet bill would strain your budget and you don’t want to be forced to choose between your pet’s health and your finances, pet insurance is worth having. While you’ll pay a monthly up-front cost, pet insurance can help you save thousands of dollars if your pet faces an accident or illness. Given Lemonade’s low monthly premiums, the company is a good option for budget-minded pet owners.

But you should make sure you understand Lemonade’s exclusions before signing up for a policy. Furthermore, make sure to compare pet insurance premiums for plans with the same coverage. While Lemonade’s base plan is cheap, you may pay more if you want a more comprehensive policy.

Lemonade pet insurance FAQs