Lemonade Pet Insurance 2025: Coverage, Pricing & Full Review

Our expert's opinion on Lemonade

Last update: June 16, 2025

Discover the offer

4.5

Score

4.5

Score

Jordan Mitchell

Lemonade pet insurance distinguishes itself in the U.S. market with a digital-first, app-based platform offering fast sign-up and claims for cats and dogs, making insurance highly accessible across 39 states and D.C. Coverage features a simple single plan: 80% reimbursement after a $250 annual deductible, up to a generous $20,000 limit per year, with optional wellness and preventative care packages available for an additional premium. Compared to competitors, Lemonade stands out for affordability, instant digital processes, and a strong ethical focus, while its core plan is best for tech-savvy owners seeking competitive low premiums and rapid reimbursement, especially for younger pets or those comfortable with limited customization. Lemonade is a public company, reinsured with 'A' (exceptional) financial ratings, reporting over $500M annual revenue and active in multiple insurance lines; it holds a Trustpilot score of 4.1/5 from 3,271 reviews, with most pet claims reimbursed within 1–3 days for digital submissions.

Pros

• ✅End-to-end digital claims and policy management
• ✅Fast reimbursement: most claims paid within 1–3 days
• ✅Affordable pricing; policies from $12–15/month
• ✅Clear exclusions and straightforward policy terms
• ✅Optional wellness/preventative care add-ons
• ✅Multi-pet and bundled product discounts
• ✅Charitable focus: unclaimed premiums donated to animal causes

Cons

• ❌No coverage for pre-existing or dental conditions
• ❌Single plan formula; limited customization in base coverage
• ❌Wellness/preventative care requires extra fee
• ❌Some reported claim denials for disputed pre-existing conditions
• ❌Non-urgent support mainly via app or email

ProsCons

• ✅End-to-end digital claims and policy management
• ✅Fast reimbursement: most claims paid within 1–3 days
• ✅Affordable pricing; policies from $12–15/month
• ✅Clear exclusions and straightforward policy terms
• ✅Optional wellness/preventative care add-ons
• ✅Multi-pet and bundled product discounts
• ✅Charitable focus: unclaimed premiums donated to animal causes

Our expert's opinion on Lemonade

Last update: June 16, 2025

Jordan Mitchell

Discover the offer

4.5

Score

4.5

Score

Lemonade pet insurance distinguishes itself in the U.S. market with a digital-first, app-based platform offering fast sign-up and claims for cats and dogs, making insurance highly accessible across 39 states and D.C. Coverage features a simple single plan: 80% reimbursement after a $250 annual deductible, up to a generous $20,000 limit per year, with optional wellness and preventative care packages available for an additional premium. Compared to competitors, Lemonade stands out for affordability, instant digital processes, and a strong ethical focus, while its core plan is best for tech-savvy owners seeking competitive low premiums and rapid reimbursement, especially for younger pets or those comfortable with limited customization. Lemonade is a public company, reinsured with 'A' (exceptional) financial ratings, reporting over $500M annual revenue and active in multiple insurance lines; it holds a Trustpilot score of 4.1/5 from 3,271 reviews, with most pet claims reimbursed within 1–3 days for digital submissions.

Pros

• ✅End-to-end digital claims and policy management
• ✅Fast reimbursement: most claims paid within 1–3 days
• ✅Affordable pricing; policies from $12–15/month
• ✅Clear exclusions and straightforward policy terms
• ✅Optional wellness/preventative care add-ons
• ✅Multi-pet and bundled product discounts
• ✅Charitable focus: unclaimed premiums donated to animal causes

Cons

• ❌No coverage for pre-existing or dental conditions
• ❌Single plan formula; limited customization in base coverage
• ❌Wellness/preventative care requires extra fee
• ❌Some reported claim denials for disputed pre-existing conditions
• ❌Non-urgent support mainly via app or email

ProsCons

• ✅End-to-end digital claims and policy management
• ✅Fast reimbursement: most claims paid within 1–3 days
• ✅Affordable pricing; policies from $12–15/month
• ✅Clear exclusions and straightforward policy terms
• ✅Optional wellness/preventative care add-ons
• ✅Multi-pet and bundled product discounts
• ✅Charitable focus: unclaimed premiums donated to animal causes

Why Trust HelloSafe?

At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, over a million Americans trust us each month to help guide them through their most important financial decisions.

Lemonade Guarantees

Lemonade Pet Insurance offers a highly digital experience, providing a single customizable plan for dogs and cats that covers new accidents and illnesses, diagnostics, hospitalizations, surgery, and prescription medication, with an 80% reimbursement rate after a $250 annual deductible and up to a $20,000 annual limit.
You can enhance core coverage with optional wellness and puppy/kitten preventive packages, which include wellness exams, dental cleanings, vaccines, and parasite treatments—but these must be added separately and are not part of the standard plan.

A major strength is the easy, app-based process for sign-up, policy management, and fast claims, all supported by high customer ratings and a strong social mission.

However, standard plans exclude coverage for dental illness, routine and preventive care (unless you purchase an add-on), behavioral and hereditary conditions with symptoms before coverage, alternative therapies, euthanasia (except vet-recommended), death or loss, and boarding fees.

	LemonadePet Insurance Get a quote
Coverage Type	Accident & Illness
Covered Pets	Dogs & Cats
Reimbursement Rate	80%
Annual Coverage Limit	$20,000
Annual Deductible	$250
Enrollment Age (Dog)	N/A
Enrollment Age (Cat)	N.C.
Health Questionnaire	Yes
Waiting Period (Illness)	14 days
Waiting Period (Accident)	2 days
Lifetime Coverage	N.C.
Claim Reimbursement Time	Fast
Regular Vet Visits	Not Covered
Emergency Visits	Covered
Specialist Consultations	Covered
Medication	Covered
Hospitalization	Covered
Ambulance Services	N.C.
Surgery	Covered
Imaging	Covered
Lab Tests	Covered
Radiotherapy	N.C.
Dental Care	Not Covered
Teeth Cleaning	Not Covered
Vaccinations	Not Covered
Anti-Parasitics	Not Covered
Neutering (Dog)	Not Covered
Neutering (Cat)	Not Covered
Identification	Not Covered
Hygiene	Not Covered
Alternative Therapies	Not Covered
Foreign Care	N.C.
Death	Not Covered
Cremation	Not Covered
Euthanasia	Covered if prescribed
Loss/Theft	Not Covered
Boarding Fees	Not Covered
Coverage Type	Accident & Illness
Covered Pets	Dogs & Cats
Reimbursement Rate	80%
Annual Coverage Limit	$20,000
Annual Deductible	$250
Enrollment Age (Dog)	N/A
Enrollment Age (Cat)	N.C.
Health Questionnaire	Yes
Waiting Period (Illness)	14 days
Waiting Period (Accident)	2 days
Lifetime Coverage	N.C.
Claim Reimbursement Time	Fast
Regular Vet Visits	Not Covered
Emergency Visits	Covered
Specialist Consultations	Covered
Medication	Covered
Hospitalization	Covered
Ambulance Services	N.C.
Surgery	Covered
Imaging	Covered
Lab Tests	Covered
Radiotherapy	N.C.
Dental Care	Not Covered
Teeth Cleaning	Not Covered
Vaccinations	Not Covered
Anti-Parasitics	Not Covered
Neutering (Dog)	Not Covered
Neutering (Cat)	Not Covered
Identification	Not Covered
Hygiene	Not Covered
Alternative Therapies	Not Covered
Foreign Care	N.C.
Death	Not Covered
Cremation	Not Covered
Euthanasia	Covered if prescribed
Loss/Theft	Not Covered
Boarding Fees	Not Covered

• You must submit full medical records after enrollment and for claim processing.
• Policy waiting periods: 2 days (accidents), 14 days (illness), 6 months (ligament injury).
• Exam/visit fees are only covered if you purchase the Extended Accident & Illness add-on.
• Each pet requires a separate policy; multi-pet discounts available.
• Preventive care, dental cleanings, vaccines, and parasite treatments are only reimbursed with the relevant add-on; otherwise, routine and wellness care are excluded.

Compare policies to ensure you find the plan and price that best match your pet’s needs and your budget.

Lemonade Exclusions

Lemonade Prices

Lemonade positions itself as a competitive and affordable pet insurance choice, primarily due to its fully digital pure player model that reduces administrative overhead and streamlines user experience.
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While its reimbursement rates (typically 80%) and deductibles ($100–$500) match mainstream market averages, coverage for expensive or niche treatments (like hereditary defects or dental illness) is limited unless add-ons are purchased—keeping monthly costs lower than premium, all-inclusive options.
Premiums for younger pets and small breeds are among the most affordable in the market, whereas rates for older or larger pets remain reasonable but can approach mid-market levels.
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In summary, Lemonade's price point is best described as affordable but limited, ideally suited to digital-savvy owners looking for essential, streamlined protection without paying for unnecessary extras.

Compare Lemonade's plans and rates to find the best match for your pet's needs and your budget.

Lemonade Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Lemonade reimbursement amounts

Lemonade reimburses you for covered veterinary expenses by paying back 80% of eligible costs, after your annual deductible is met and up to your coverage limit—making unexpected vet bills far more manageable.

Emergency surgery for foreign object removal

Total vet costs: $3,500 (exam, diagnostics, surgery, hospitalization, medication)

Annual deductible to subtract: $250 (first expense of the year)

Eligible amount after deductible: $3,500 – $250 = $3,250

Amount reimbursed at 80%: $3,250 × 80% = $2,600

👉 You receive a reimbursement of $2,600.

ℹ️ The deductible only applies once per policy year, so subsequent claims are not subject to another deductible.

Outpatient treatment for ear infection

Total vet costs: $250 (exam, cytology, medication)

Deductible already used earlier in the year

Amount reimbursed at 80%: $250 × 80% = $200

👉 You receive $200 back from Lemonade.

ℹ️ Because the annual deductible was met with previous claims, you pay only your co-insurance share going forward that policy year.

Preventive Care Reimbursement with Wellness Package

Total vet costs: $180 (annual checkup, rabies, DHPP, bordetella vaccine)

Deductible: Not applied to preventive care (covered through wellness package add-on)

Amount reimbursed (wellness benefits): Up to $180 (covered if within annual wellness allowance)

👉 You receive $180 reimbursement, up to the plan’s wellness maximum.

ℹ️ Preventive care is only reimbursed if you add the Wellness package to your plan. Without it, these costs are out-of-pocket.

Lemonade Assistance

Customer Reviews of Lemonade

We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Lemonade for their pets often mention:

• A convenient and user-friendly mobile app experience that streamlines both enrollment and claims submission.
• A fast and transparent reimbursement process, with several users noting payments within 24 hours of claims.
• An easy and quick sign-up process, resulting in stress-free onboarding.
• Friendly and knowledgeable customer service, with prompt responses to questions and complaints.
• Discounts for multi-pet policies and bundling with other Lemonade insurance products.

On the negative side:

• A significant number of claim denials specifically related to pre-existing conditions, sometimes perceived as unfair or unclear.
• Notices of premium increases at renewal, occasionally described as steep or unexpected.
• Missing features such as an emergency vet hotline or teleconsultation services, which some users would expect.
• Occasional delays or confusion around cancellations, refunds, or account changes.
• Limited coverage for certain treatments (e.g., dental, behavioral, or alternative therapies) that some policyholders assumed would be covered.

How to contact Lemonade

FAQ

Jordan Mitchell

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.