Lemonade 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:
Covers accidents after two days
Covers illnesses after 14 days
Covers orthopedic conditions after 30 days
Covers cruciate ligament events after six months[6]
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
Good to Know
Lemonade reimburses you directly, so you can see any licensed vet in the United States.
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[7]
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[7]
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. However, cured pre-existing conditions may be covered after your pet is symptom-free for 12 months, depending on your state and your policy.[8]
Wellness care isn’t covered unless you purchase a preventative package.
Preventable conditions aren’t covered, nor are illnesses or 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.