Lemonade Pet Insurance Review 2025: Pros, Cons & Coverage
Our expert's opinion on Lemonade
Lemonade Pet Insurance is a digital-first policy focused on accident and illness cover with optional preventative care packages for wellness, puppies, and kittens.
Plans offer four reimbursement rates (60%, 70%, 80%, 90%), annual limits from $5,000 up to $100,000, and sample deductibles shown in pricing examples ($750, $500, $250, $100); wellness add-ons are available rather than automatic wellness budgets, and waiting periods include 2 days for accidents and 14 days for illnesses.
Compared with major competitors, Lemonade emphasizes fast, app-driven claims and competitive entry pricing (plans starting around $12/month), trading extensive ancillary cover for transparent digital service and flexible reimbursement/limit choices.
Best suited for owners of younger pets or value-conscious buyers who prioritize rapid digital claims, flexible limits, and add-on wellness coverage rather than comprehensive bundled care.
Lemonade is presented with broad customer feedback and a Trustpilot score of 4.2/5 from 3,985 reviews; customer comments highlight very fast claims handling with reimbursements sometimes occurring within minutes or hours and simple digital submissions.
- ✅Very fast claims payouts, sometimes minutes or hours
- ✅User-friendly mobile app and digital claims submission
- ✅Multiple reimbursement levels (60%–90%)
- ✅Annual limits up to $100,000
- ✅Optional wellness and puppy/kitten packages
- ✅Low entry pricing from $12/month
- ✅Available discounts for bundles, multi-pet, annual pay
- ❌No coverage for pre-existing conditions
- ❌Preventative care excluded unless purchased as add-on
- ❌Limited public detail on age limits and lifetime cover
- ❌Occasional claim denials tied to policy wording
- ❌24/7 vet hotline availability unclear
Score- ✅Very fast claims payouts, sometimes minutes or hours
- ✅User-friendly mobile app and digital claims submission
- ✅Multiple reimbursement levels (60%–90%)
- ✅Annual limits up to $100,000
- ✅Optional wellness and puppy/kitten packages
- ✅Low entry pricing from $12/month
- ✅Available discounts for bundles, multi-pet, annual pay
Our expert's opinion on Lemonade
- ✅Very fast claims payouts, sometimes minutes or hours
- ✅User-friendly mobile app and digital claims submission
- ✅Multiple reimbursement levels (60%–90%)
- ✅Annual limits up to $100,000
- ✅Optional wellness and puppy/kitten packages
- ✅Low entry pricing from $12/month
- ✅Available discounts for bundles, multi-pet, annual pay
- ❌No coverage for pre-existing conditions
- ❌Preventative care excluded unless purchased as add-on
- ❌Limited public detail on age limits and lifetime cover
- ❌Occasional claim denials tied to policy wording
- ❌24/7 vet hotline availability unclear
Score- ✅Very fast claims payouts, sometimes minutes or hours
- ✅User-friendly mobile app and digital claims submission
- ✅Multiple reimbursement levels (60%–90%)
- ✅Annual limits up to $100,000
- ✅Optional wellness and puppy/kitten packages
- ✅Low entry pricing from $12/month
- ✅Available discounts for bundles, multi-pet, annual pay
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Guarantees of Lemonade
Lemonade offers multiple plan tiers that combine a set of reimbursement rates, annual limits and fixed deductible options so policyholders can choose a balance between premium cost and out-of-pocket exposure. Typical configurations align four common tiers with increasing reimbursement percentages and higher annual limits; optional preventive care packages are available for wellness, puppies and kittens. The core cover applies to accidents and illnesses, with emergency care, consultations, surgery and diagnostic testing included under the covered benefits.
Deductible and reimbursement logic is straightforward: an annual deductible applies and eligible costs are reimbursed at the chosen percentage (available at fixed levels). Annual limits vary by tier and set the maximum payable each policy year. Waiting periods are short for accidents and longer for illnesses, and coverage for conditions present before the policy start or showing clinical signs during waiting periods is excluded as pre-existing.
Plans include typical clinical benefits such as consultations, hospitalization, surgery, imaging and lab tests. Preventive items, dental illness, alternative therapies, grooming and many non-medical items are either optional add-ons or explicitly excluded. Customer feedback highlights rapid digital claims handling and a user-friendly app as strengths, while isolated reports point to denials tied to policy wording and occasional customer-service friction as weaknesses.
| Entry-level | Balanced | Enhanced | Premium | |
|---|---|---|---|---|
| Plan positioning | Entry-level | Balanced | Enhanced | Premium |
| Type of coverage | Accident & illness | Accident & illness | Accident & illness | Accident & illness |
| Animals covered (dogs, cats, other) | Dogs, cats | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | 60% | 70% | 80% | 90% |
| Annual reimbursement limit | $5,000 | $20,000 | $50,000 | $100,000 |
| Deductible (annual or per claim) | Annual deductible $750 | Annual deductible $500 | Annual deductible $250 | Annual deductible $100 |
| Age limits for enrollment | N.C. | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. | N.C. |
| Waiting periods (accident / illness) | 2 days / 14 days | 2 days / 14 days | 2 days / 14 days | 2 days / 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. | N.C. |
| Consultations | Yes | Yes | Yes | Yes |
| Medications | N.C. | N.C. | N.C. | N.C. |
| Hospitalization | Yes | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes | Yes |
| Diagnostic tests (imaging, lab) | Yes | Yes | Yes | Yes |
| Dental care | Dental cleaning optional; dental illness excluded | Dental cleaning optional; dental illness excluded | Dental cleaning optional; dental illness excluded | Dental cleaning optional; dental illness excluded |
| Preventive care | Optional (wellness packages available) | Optional (wellness packages available) | Optional (wellness packages available) | Optional (wellness packages available) |
| Alternative medicine | No | No | No | No |
| Travel coverage | N.C. | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. | N.C. |
| Euthanasia | Covered (euthanasia only) | Covered (euthanasia only) | Covered (euthanasia only) | Covered (euthanasia only) |
| Death & cremation coverage | Death: euthanasia only; Cremation: No | Death: euthanasia only; Cremation: No | Death: euthanasia only; Cremation: No | Death: euthanasia only; Cremation: No |
| Theft or loss + search expenses | N.C. | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No | No |
Exclusions are detailed and standard: pre-existing conditions that are not cured, conditions with signs before coverage or during waiting periods, most dental illnesses, behavioral conditions, breeding- or pregnancy-related conditions, elective or cosmetic procedures, routine preventive items (unless covered by an optional wellness package), alternative and holistic therapies, grooming, and most non-medical supplies. Visit fees, administrative charges, taxes, food and routine supplements are also excluded.
Key limitations and practical considerations include the fixed set of deductible and reimbursement combinations, defined annual limits per tier, and explicit exclusions for many routine and elective items. Waiting periods apply (short for accidents, longer for illnesses), which can affect coverage for conditions that develop shortly after enrollment. Several administrative items and secondary benefits—such as civil liability, travel coverage, lifetime cover details and specific age limits for enrollment—are not specified within the standard plan descriptions and require direct confirmation when purchasing.
Lemonade Exclusions
Lemonade’s exclusions focus on standard clinical limits: pre-existing conditions that are not cured, congenital or hereditary issues with prior signs, and any condition showing clinical signs before the policy start or during waiting periods are excluded.
Routine preventive items should not be assumed covered under core plans; most dental illnesses, behavioral conditions, elective or cosmetic procedures, and treatments not recommended by a veterinarian are excluded.
Non-medical and administrative costs such as visit fees, house calls, taxes, food, routine supplements, pet supplies, boarding or transport, cremation/funeral costs, and many alternative therapies are also excluded, while some preventive services may be available only as optional wellness add-ons.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditions not cured; congenital, hereditary or bilateral conditions with signs present before coverage; conditions with clinical signs before policy start or during waiting periods; dental illnesses excluded. |
| Behavioral & elective exclusions | Behavioral conditions; elective or cosmetic procedures; grooming; spay/neuter (unless medically necessary); obedience training. |
| Treatment & therapy exclusions | Physical therapy modalities (acupuncture, hydrotherapy), alternative/holistic treatments, treatments not recommended by a veterinarian, non-recommended euthanasia, cremation/funeral costs. |
| Non-medical & administrative exclusions | Visit fees, house call fees, administrative charges, taxes, medical waste disposal, third-party membership fees, food (even if prescribed), routine supplements, pet supplies (crates, toys, leashes), boarding or transport expenses, pet cloning. |
| Activity & circumstance exclusions | Conditions related to breeding or pregnancy; conditions from commercial activities (guarding, racing); conditions resulting from riots, war, or disasters; preventable conditions if veterinary recommendations are not followed; neglect-related conditions. |
| End-of-life & loss exclusions | Death coverage limited to euthanasia only; cremation/funeral costs excluded. |
| Geographic & loss-specific items | Care abroad: N.C.; Loss/Theft and search expenses: N.C. |
Lemonade Prices
Lemonade positions itself with a tiered offering that spans entry-level to premium price points through four fixed formula combinations defined by deductible, reimbursement rate, and annual limit. This structure lets customers trade lower premiums for higher deductibles and smaller annual limits, or pay more for higher reimbursement rates (60%–90%) and larger caps ($5,000 to $100,000), making the product range competitive across budget segments.
The company’s digital-first model and fast claims processing reduce operating costs and are reflected in generally competitive monthly examples, especially for younger pets and cats. These operational efficiencies and added-value features such as in-app claims handling and access to chat-based veterinary support help justify pricing versus more traditional, higher-overhead insurers, though actual competitiveness depends on chosen deductible/reimbursement combinations and pet/profile specifics.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Annual Deductible $750, Reimbursement rate 60%, Annual Limit $5,000 | Annual Deductible $500, Reimbursement rate 70%, Annual Limit $20,000 | Annual Deductible $250, Reimbursement rate 80%, Annual Limit $50,000 | Annual Deductible $100, Reimbursement rate 90%, Annual Limit $100,000 |
|---|---|---|---|---|
| Dog Labrador 1 year | $39.67 | $64.69 | $100.49 | $159.28 |
| Dog Labrador 3 years | $39.67 | $64.69 | $100.49 | $159.28 |
| Dog Labrador 7 years | $75.83 | $124.87 | $195.05 | $310.28 |
| Dog Australian Shepherd 1 year | $36.62 | $59.62 | $92.54 | $146.58 |
| Dog Australian Shepherd 3 years | $36.62 | $59.62 | $92.54 | $146.58 |
| Dog Australian Shepherd 7 years | $69.86 | $114.95 | $179.45 | $285.37 |
| Dog French Bulldog 1 year | $16.47 | $101.39 | $42.86 | $285.10 |
| Dog French Bulldog 3 years | $16.47 | $101.39 | $45.92 | $305.46 |
| Dog French Bulldog 7 years | $16.47 | $101.39 | $73.47 | $488.73 |
| Cat European Shorthair 1 year | $12.00 | $18.21 | $27.47 | $42.67 |
| Cat European Shorthair 3 years | $12.00 | $18.21 | $27.47 | $42.67 |
| Cat European Shorthair 7 years | $17.00 | $26.96 | $41.22 | $64.63 |
| Cat Maine Coon 1 year | $13.06 | $20.41 | $30.06 | $48.18 |
| Cat Maine Coon 3 years | $13.06 | $20.41 | $30.06 | $48.18 |
| Cat Maine Coon 7 years | $21.80 | $34.95 | $53.77 | $84.67 |
| Cat British Shorthair 1 year | $12.55 | $19.56 | $29.60 | $46.07 |
| Cat British Shorthair 3 years | $12.55 | $19.56 | $29.60 | $46.07 |
| Cat British Shorthair 7 years | $16.35 | $25.89 | $39.53 | $61.93 |
Lemonade Promo Codes
| Lemonade Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
| Multi-product bundle discount | 10% bundle discount |
| Multi-pet discount | 5% multi-pet discount |
| Annual payment discount | 5% annual discount |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed by Lemonade?
Reimbursements are calculated by subtracting your annual deductible from eligible veterinary costs, then applying the plan's reimbursement rate (90% for the highest-tier plan) to the remaining eligible amount up to the annual coverage limit.
✅ Example 1: Consultation and medication for ear infection
Total vet costs: $200 (consultation + medication)
Deductible amount to subtract: $100 (this is the first expense of the policy year)
Amount reimbursable after deductible with the Premium plan: $200 – $100 = $100
90% of that amount reimbursed: $100 × 90% = $90
👉 You receive a reimbursement of $90.
ℹ️ The deductible applies once per policy year; future eligible claims that year will not be reduced by the deductible again unless the deductible resets next policy year.
✅ Example 2: Cruciate ligament surgery (orthopedic surgery)
Total vet costs: $4,500 (surgery, hospitalization, anesthesia, meds)
Deductible already used earlier in the year
Amount reimbursed at 90% with the Premium plan: $4,500 × 90% = $4,050
👉 You receive $4,050.
ℹ️ This reimbursement is applied against the annual coverage cap ($100,000 for the highest-tier plan); remaining annual limit after this operation: $100,000 – $4,050 = $95,950.
✅ Example 3: Emergency hospitalization and diagnostic imaging
Total vet costs: $2,200 (emergency care, hospitalization, X-rays, lab work)
Deductible amount to subtract: $40 (remaining portion of the $100 annual deductible already partially met earlier in the year)
Amount reimbursable after deductible with the Premium plan: $2,200 – $40 = $2,160
90% of that amount reimbursed: $2,160 × 90% = $1,944
👉 You receive $1,944.
ℹ️ Large or repeated claims reduce the remaining annual limit; always check how close you are to the annual cap when planning major procedures.
Lemonade Assistance
Lemonade provides a clearly digital-first assistance model: a mobile app supports policy management and in‑app claims filing, and customer feedback frequently notes very fast claim processing and rapid payouts.
There is no guaranteed 24/7 emergency veterinary hotline; policyholders can access Chewy’s “Connect with a Vet” via the app for chat-based veterinary support, but that service does not provide diagnoses or prescriptions.
Advance-payment solutions (Payvet, CareCredit-style options) and installment payment facilities are N.C.
The presence of a formal vet/clinic partner network and the scope of care abroad are also N.C., features that can matter for owners seeking direct billing or travel protection.
Overall, the key strengths are fast, paperless claims and a user-friendly app, while notable gaps include the absence of a confirmed 24/7 emergency line and unclear advance-payment or partner-clinic programs.
| Assistance Lemonade | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Mobile app available for policy management and claims. Claims can be filed and managed in-app; users report fast processing. Rating: N.C. |
| Paperless claims process | ✅ | Reimbursements handled via app/online portal. Many customers report rapid digital claims and quick payouts. |
| Emergency vet service | ❌ | No guaranteed 24/7 emergency hotline. In-app access to Chewy’s “Connect with a Vet” provides chat support but no diagnosis or prescriptions. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | Care abroad: N.C. |
Claims can be filed and managed in-app; users report fast processing.
Rating: N.C.
Many customers report rapid digital claims and quick payouts.
In-app access to Chewy’s “Connect with a Vet” provides chat support but no diagnosis or prescriptions.
Customer Reviews on Lemonade
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.2 / 5 (3,985 reviews) |
Notes and reviews by platform
Customers most frequently praise the speed and transparency of Lemonade’s claims process, noting rapid payouts and a straightforward mobile app that simplifies filing and tracking reimbursements.
At the same time, recurring concerns include occasional frustrations with customer support interactions and claim denials that customers attribute to policy wording or documentation requirements, and some users report mixed experiences with the app interface in specific situations.
Here are some examples of customer reviews:
*A.L. — 29/08/2025 — Lemonade Pet Insurance has been amazing! Their claim process is super fast for both wellness and illness... The app is very user-friendly… I highly recommend them to any pet parent…*
*D. — 29/08/2025 — I’m very satisfied with Lemonade Pet Insurance… What impressed me the most was how fast my claim was handled — everything was resolved within hours, without complicated paperwork…*
*J. — 28/08/2025 — I made my first claim last week on their app. It was approved and the money was in my account in less than three minutes… I highly recommend Lemonade for your pet insurance.*
Contact Lemonade
| Lemonade Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Visit lemonade.com or use the Lemonade app to complete subscription online. |
| To request and track a reimbursement | File and track claims via the Lemonade app or online portal. Many customers report fast digital claims and quick payouts. Required documents: N.C. Deadlines: N.C. Reimbursement method: N.C. |
| To obtain a certificate of insurance | Request via the Lemonade app, by email at help@lemonade.com, or by phone at 1 (844) 733-8666. Specific documentation or information required: N.C. |
| To contact assistance | Phone: 1 (844) 733-8666. Email: help@lemonade.com, team@lemonade.com. Postal address: 5 Crosby St., 3rd floor, New York, NY 10013. App and online portal support available. Hours and response times: N.C. |
| To cancel my policy | Contact customer service via the Lemonade app, email, or phone to request cancellation. Specific cancellation procedure, required information, deadlines, and refund conditions: N.C. |
Visit lemonade.com or use the Lemonade app to complete subscription online.
Many customers report fast digital claims and quick payouts.
Required documents: N.C.
Deadlines: N.C.
Reimbursement method: N.C.
Specific documentation or information required: N.C.
Email: help@lemonade.com, team@lemonade.com.
Postal address: 5 Crosby St., 3rd floor, New York, NY 10013.
App and online portal support available.
Hours and response times: N.C.
Specific cancellation procedure, required information, deadlines, and refund conditions: N.C.
FAQ
Do I have to pay upfront for veterinary fees with Lemonade?
Lemonade does not offer a standard built-in advance payment or direct-billing program for veterinary fees.
In most cases you pay the clinic at the time of treatment and submit the invoice through the Lemonade app for reimbursement.
Some clinics independently accept third-party financing (CareCredit or similar) or offer direct billing; those arrangements are made with the clinic, not Lemonade.
The app is designed for fast digital claims submission and typically delivers rapid payouts once a claim is approved.
How do I cancel my pet insurance policy with Lemonade?
To cancel, open the Lemonade app or contact customer service by phone or email and request policy cancellation.
Provide your policy number, pet details, and any identification requested to validate the request.
The insurer will confirm the cancellation, state the effective date, and advise on any prorated refund if applicable.
Specific notice periods and refund conditions depend on your policy terms and will be communicated during the cancellation process.
What are the waiting periods for accident and illness coverage?
Lemonade applies short waiting periods before coverage for new policies becomes effective.
Accident coverage typically has a 2-day waiting period and illness coverage a 14-day waiting period.
Conditions that show clinical signs before the start date or during a waiting period are generally considered pre-existing and may be excluded.
Check your policy schedule for exact start times and any exceptions for emergency treatments.
How are reimbursements calculated and paid?
Eligible veterinary costs are first reduced by your annual deductible, then the plan’s reimbursement rate is applied to the remaining eligible amount.
Reimbursement rates vary by plan tier (commonly 60%, 70%, 80% up to 90% on top plans) and you choose a deductible level when you enroll.
Payments are subject to the annual coverage limit you selected, which on higher-tier plans can reach up to $100,000.
Claims are submitted digitally via the app and reimbursements are issued after claim approval; timing and payout method are communicated at settlement.
Is preventive care covered under Lemonade pet insurance?
Preventive care such as vaccinations, routine dental cleaning, and parasite treatments is not included by default in the base accident & illness policy.
Lemonade offers optional wellness or preventative care packages that can be added to cover these services.
Coverage limits, waiting periods, and included items for wellness add‑ons vary by plan, so review the add-on terms before enrolling.
Elective procedures like routine spay/neuter may be covered only if included in the selected preventive package or if deemed medically necessary under the policy terms.
What common exclusions should I be aware of?
Pre-existing conditions that had clinical signs before the policy start or during waiting periods are typically excluded unless otherwise specified.
Routine preventive treatments, elective or cosmetic procedures, behavioral training, and certain alternative therapies are commonly not covered unless added by endorsement.
Many policies exclude boarding fees, cremation/funeral costs, and non-medical items like food and supplies.
Read the exclusions section carefully to understand limitations and the documentation required for covered claims.
Do I have to pay upfront for veterinary fees with Lemonade?
Lemonade does not offer a standard built-in advance payment or direct-billing program for veterinary fees.
In most cases you pay the clinic at the time of treatment and submit the invoice through the Lemonade app for reimbursement.
Some clinics independently accept third-party financing (CareCredit or similar) or offer direct billing; those arrangements are made with the clinic, not Lemonade.
The app is designed for fast digital claims submission and typically delivers rapid payouts once a claim is approved.
How do I cancel my pet insurance policy with Lemonade?
To cancel, open the Lemonade app or contact customer service by phone or email and request policy cancellation.
Provide your policy number, pet details, and any identification requested to validate the request.
The insurer will confirm the cancellation, state the effective date, and advise on any prorated refund if applicable.
Specific notice periods and refund conditions depend on your policy terms and will be communicated during the cancellation process.
What are the waiting periods for accident and illness coverage?
Lemonade applies short waiting periods before coverage for new policies becomes effective.
Accident coverage typically has a 2-day waiting period and illness coverage a 14-day waiting period.
Conditions that show clinical signs before the start date or during a waiting period are generally considered pre-existing and may be excluded.
Check your policy schedule for exact start times and any exceptions for emergency treatments.
How are reimbursements calculated and paid?
Eligible veterinary costs are first reduced by your annual deductible, then the plan’s reimbursement rate is applied to the remaining eligible amount.
Reimbursement rates vary by plan tier (commonly 60%, 70%, 80% up to 90% on top plans) and you choose a deductible level when you enroll.
Payments are subject to the annual coverage limit you selected, which on higher-tier plans can reach up to $100,000.
Claims are submitted digitally via the app and reimbursements are issued after claim approval; timing and payout method are communicated at settlement.
Is preventive care covered under Lemonade pet insurance?
Preventive care such as vaccinations, routine dental cleaning, and parasite treatments is not included by default in the base accident & illness policy.
Lemonade offers optional wellness or preventative care packages that can be added to cover these services.
Coverage limits, waiting periods, and included items for wellness add‑ons vary by plan, so review the add-on terms before enrolling.
Elective procedures like routine spay/neuter may be covered only if included in the selected preventive package or if deemed medically necessary under the policy terms.
What common exclusions should I be aware of?
Pre-existing conditions that had clinical signs before the policy start or during waiting periods are typically excluded unless otherwise specified.
Routine preventive treatments, elective or cosmetic procedures, behavioral training, and certain alternative therapies are commonly not covered unless added by endorsement.
Many policies exclude boarding fees, cremation/funeral costs, and non-medical items like food and supplies.
Read the exclusions section carefully to understand limitations and the documentation required for covered claims.
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