Is Lemonade Pet Insurance Worth It? Our Review 2025
Our Expert's Opinion on Lemonade
Lemonade offers a clear, competitively-priced US pet insurance contract, with a single straightforward plan covering accidents and illnesses for cats and dogs at an 80% reimbursement rate and an annual benefit limit of $20,000. With an annual premium of $168 (about $15/month), a moderate $250 annual deductible (franchise), and a co-insurance set at 80%, Lemonade positions itself as an accessible option for pet owners, particularly when compared to established insurers like Nationwide or Trupanion, which often feature more tiers or higher prices for similar core coverage. Its simplicity and cost-conscious design make Lemonade particularly suitable for younger pets, owners seeking high annual limits, and those needing broad accident-and-illness protection without add-on complexity or wellness/preventive care budgets. The insurer Lemonade Inc. displays robust financial standing, publicly listed and reporting over $500 million in gross written premium in 2022. On Trustpilot, Lemonade holds an impressive score of 4.4/5 based on more than 2,500 reviews, suggesting strong client satisfaction. Claims administration is fully digital and generally processed within a few days to two weeks—faster than most traditional competitors. The plan, however, lacks advanced optional riders or wellness/prevention add-ons and maintains standard exclusions such as dental, behavioral, or pre-existing conditions.
- Simple contract with one clear coverage formula
- High annual reimbursement limit of $20,000
- 80% reimbursement rate on eligible veterinary costs
- Competitive and affordable premium under $15 per month
- Fast, app-based digital claims submission
- Premiums not affected by claim history
- Flexible cancellation with full refund in 30 days if unused
- No preventive or wellness coverage option
- Excludes dental care and behavioral conditions
- Strict exclusion of pre-existing conditions
- No alternative or experimental treatments covered
- Only one pet per contract—multi-pet discount absent
- Lemonade Guarantees
- Lemonade exclusions
- Lemonade rates
- Lemonade Support
- Customer feedback on Lemonade
- How can I contact Lemonade?
- FAQ
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At HelloSafe, our pet insurance expert reviews and analyzes the policy terms and pricing of 34 different insurance plans on the market every year, delivering you a reliable and unbiased analysis. Thanks to this approach, hundreds of thousands of users across the US trust us each month to help guide them through their most important financial decisions.
Lemonade Guarantees
Lemonade offers a single standard pet insurance plan designed for simplicity, providing high annual coverage ($20,000), 80% reimbursement after a $250 yearly deductible. This plan applies equally to dogs and cats and does not include preventive or wellness add-ons. The contract is notable for its generous annual limit, transparent pricing, and streamlined claims process, but it lacks coverage for preventive care or alternative therapies (acupuncture, behavioral, dental care, etc.). Coverage is limited to eligible illness and accident expenses after short waiting periods (14 days for illnesses, 30 days for orthopedic issues). It notably excludes pre-existing conditions, hereditary and dental issues, routine care, and non-medical expenses. Lemonade's formula is ideal for owners seeking broad accident/illness protection with straightforward terms, but lacks the complex multi-level options found elsewhere. The absence of wellness, preventive, or alternative medicine reimbursement is a significant gap compared to insurers offering those enhancements.
| Guarantee Name | Standard Plan |
|---|---|
| Positioning of the formula | One standard plan, accident & illness, no wellness |
| Type of coverage | Accident and illness only |
| Covered animals | Dogs and cats only |
| Reimbursement rate (%) | 80% of eligible veterinary care costs |
| Annual reimbursement ceiling for vet fees | $20,000 per year |
| Annual/per-claim deductible | $250 annual deductible |
| Minimum/maximum age for subscription (dogs) | NC |
| Minimum/maximum age for subscription (cats) | NC |
| Prior medical questionnaire? | Full pet medical records required for claim review |
| Waiting period for illness | 14 days |
| Waiting period for accident | Immediate (NC if specific), orthopedics: 30 days |
| Lifetime cover once insured? | NC |
| Veterinary consultations (routine, emergency, specialist) | Covered if related to eligible accident/illness |
| Medications | Covered if prescribed, excludes food/supplements |
| Hospitalization | Covered if prescribed by vet |
| Ambulance fees | Not covered |
| Surgery, anesthesia | Covered if for eligible accident/illness |
| Scans, MRIs, ultrasounds | Covered if for eligible condition |
| Lab analyses | Covered if for eligible condition |
| Radiotherapy | NC |
| Dental care | Not covered |
| Teeth cleaning | Not covered |
| Preventive care package (amount/included items) | Not covered |
| Complementary medicine (osteopathy, acupuncture, etc) | Not covered |
| Dietetic food | Not covered |
| Covered countries/travel | Only care received in the United States |
| Death/cremation | Not covered |
| Euthanasia | Not covered |
| Theft/loss and search fees | Not covered |
| Boarding costs | Not covered |
Good to know
- Lemonade accepts claim submissions up to 180 days after veterinary care.
- Only one pet per policy—multiple animals require separate contracts.
- No coverage for pre-existing conditions, non-U.S. treatment, or care where the owner fails to follow vet recommendations.
- Policy can be cancelled at any time; full refund if cancelled within 30 days and no claim filed.
- Rates may be adjusted based on changes of address; benefits are not transferable to a new owner without a new contract.
Lemonade exclusions
Lemonade Pet Insurance contract exclusions are notably strict, with total exclusion for dental conditions and all behavioral pathologies—two areas commonly adapted by competitors. Also systematically excluded are reproduction-related conditions, comfort care, and all alternative or experimental therapies, including acupuncture and homeopathy. Lemonade is among the rare insurers to refuse coverage for any care performed outside the United States, even temporarily. Finally, the guarantee is void if veterinary recommendations are not followed, and only one animal is allowed per contract, with no multi-pet option.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (even bilateral/congenital) - Dental conditions - Behavioral conditions (anxiety, aggression, etc.) - Conditions related to reproduction, gestation, breeding - Consequences of a non-covered condition |
| Care and expense exclusions | - Preventive care (vaccinations, checkups, parasite treatments, etc.) - Comfort, cosmetic, or elective care (grooming, scaling, microchip, genetic testing) - Alternative/experimental therapies (acupuncture, homeopathy, etc.) - Non-medical costs (travel, daycare, funeral, cremation, autopsy, taxidermy, subscriptions, taxes, waste disposal) - Prescribed food and supplements - Supplies or accessories (litter, toys, leash, collar, clothes) - Care due to negligence or not following veterinary recommendations |
| Administrative/legal exclusions | - Care performed outside the United States - Animal not designated in the contract - Only one animal covered per contract (no multi-pet option) - Coverage limited to the owner and declared address |
| Use-related exclusions | - Animals used for professional/sport purposes (law enforcement, rescue, sports, security) - Acts related to war, terrorism, riots, nuclear or biological disasters |
- Dental conditions
- Behavioral conditions (anxiety, aggression, etc.)
- Conditions related to reproduction, gestation, breeding
- Consequences of a non-covered condition
- Comfort, cosmetic, or elective care (grooming, scaling, microchip, genetic testing)
- Alternative/experimental therapies (acupuncture, homeopathy, etc.)
- Non-medical costs (travel, daycare, funeral, cremation, autopsy, taxidermy, subscriptions, taxes, waste disposal)
- Prescribed food and supplements
- Supplies or accessories (litter, toys, leash, collar, clothes)
- Care due to negligence or not following veterinary recommendations
- Animal not designated in the contract
- Only one animal covered per contract (no multi-pet option)
- Coverage limited to the owner and declared address
- Acts related to war, terrorism, riots, nuclear or biological disasters
Lemonade rates
Lemonade positions itself as an economical option while remaining effective on major risk coverage, with a unique plan focused on accidents and illnesses, paired with a high annual limit ($20,000) and an 80% reimbursement rate.
Its $250 annual deductible remains moderate, but the contract offers no options or coverage for preventive or dental care, limiting protection compared to competing, more comprehensive (but often pricier) plans.
Lemonade's 100% digital offer helps control premiums, eliminating the costs of physical branch networks and automating management, which largely explains the attractive price ($15/month).
Compared to traditional providers, Lemonade is clearly competitive on price, but at the cost of coverage that will not appeal to owners seeking broader guarantees or additional services.
Ultimately, it is aimed at pet owners looking for a simple, affordable product with essential protection against the most costly risks.
Compare plans to ensure you get the best price for the coverage you need.
| Animal / Formula | Standard Unique Formula (80% - $250 - $20,000) |
|---|---|
| Young cat (2 - 4 years) | $13/mo |
| Senior cat (7 - 8 years) | $17/mo |
| Small dog | $14/mo |
| Small dog (2 - 4 years) | $15/mo |
| Large dog (2 - 4 years) | $18/mo |
| Senior dog (7 - 8 years) | $22/mo |
Lemonade promo codes
| Lemonade Promo Codes | Details |
|---|---|
| Code HelloSafe | -5% on your quote |
Note: Promo codes are subject to change. For the latest promo codes, please visit our pet insurance comparison.
How much will I be reimbursed with Lemonade?
| Care | Average Price (US$) | Lemonade Standard (80% reimbursed, excl. deductible) |
|---|---|---|
| Vet consultation after illness or accident | $120 | Reimbursed $96 Out-of-pocket: $24 (excluding deductible) |
| Neutering/spaying (if medically prescribed) | $350 | Reimbursed $280 Out-of-pocket: $70 (excluding deductible) |
| Routine vaccines | $85 | Not reimbursed (outside preventive contract) Out-of-pocket: $85 |
| Hospitalization (24h) | $800 | Reimbursed $640 Out-of-pocket: $160 (excluding deductible) |
| Fracture (treatment/surgery) | $2,200 | Reimbursed $1,760 Out-of-pocket: $440 (excluding deductible) |
Out-of-pocket: $24 (excluding deductible)
Out-of-pocket: $70 (excluding deductible)
Out-of-pocket: $85
Out-of-pocket: $160 (excluding deductible)
Out-of-pocket: $440 (excluding deductible)
Lemonade Support
Lemonade offers no advance payment services, which can leave the policyholder with significant out-of-pocket costs at the time of veterinary care.
Reimbursements are managed digitally through the client portal or the mobile app, which is generally recognized for its user-friendly interface, although it is not particularly different from competitors in the sector.
The contract allows monthly payments but with additional fees charged at each payment; no payment facilitation such as three times without fees is provided.
There is no support for veterinary emergencies, teleconsultation, or access to a network of partners, resulting in a notable lack of options for critical situations.
Finally, coverage is strictly limited to treatments performed in the United States, with all coverage abroad formally excluded.
| Assistance Lemonade | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance system like Payvet. The client must pay the total amount and then be reimbursed after the claim is processed. |
| Payment facilities | ❌ | Only monthly payments by card are available, with a $1/month payment fee. No split payments without fees or special arrangements. |
| Mobile app | ✅ | Lemonade app available, UX renowned for its smoothness (rated 4.6 on iOS, 4.4 on Android). Enables contract management, claims, tracking. |
| Digital reimbursement management | ✅ | Simple reimbursement via the app/mobile or client portal; submission of the medical file is required for each reported claim. |
| Veterinary emergency | ❌ | No dedicated emergency assistance or teleconsultation service is provided by Lemonade. |
| Clinic and veterinary network | ❌ | No partner network referenced or preferential rates in affiliated clinics. |
| Coverage abroad | ❌ | Express exclusion: only care performed in the United States is covered; absolutely no coverage outside the country. |
Customer feedback on Lemonade
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4/5 (over 8,000 reviews) |
| Google Reviews | 4.5/5 (about 3,000 reviews) |
| App Store (iOS) | 4.9/5 (over 70,000 reviews for the Lemonade app, including pet insurance) |
We analyzed reviews from the sites listed above. Here are the main takeaways from customers who purchased Lemonade pet insurance:
Positive points
- 100% digital subscription and management journey: The process via the mobile app or website is praised for its simplicity, speed, and clarity—especially for subscription and fully digital claim submission.
- Fast reimbursements: Many customers appreciate the quick handling of requests, with some reimbursements received in less than 48 hours after approval.
- Attractive pricing compared to competitors: Users mention competitive premiums, considered affordable for broad coverage, plus flexible deductible and co-insurance selection.
- Intuitive client area and responsive customer service: Customers find it easy to contact Lemonade's support, described as friendly and efficient—especially via chat or email.
Negative points
- High number of exclusions: Some customers are surprised that preventive care (vaccines, annual checkups), dental or behavioral treatments, and certain pre-existing conditions are not covered.
- Inability to add certain optional modules: Several customers regret the lack of options for prevention or wellness (vaccines, dewormers, etc.), which limits formula customization.
- Deductible and co-pay amounts considered too high: Some pet owners feel the annual deductible and the 20% co-insurance are burdensome for frequent claims or high veterinary costs.
- Reimbursement refusals or limits sometimes unclear: Some clients report a lack of clarity regarding refusal reasons and exclusions, as well as the need to provide the animal’s full medical record with every claim.
- Coverage limited to one animal per contract: Some policyholders point out the inconvenience of having to subscribe to multiple contracts (one per pet), complicating management for multi-pet households.
How can I contact Lemonade?
| Lemonade customer service | Details |
|---|---|
| To get a quote or subscribe online | To subscribe, use our best pet insurance comparison tool, select the Lemonade offer that interests you, and request a quote. More information: [email protected] or 1 (844) 733-8666. |
| To request and track a reimbursement | Submit the claim from your Lemonade customer space or contact [email protected]. Send the full file (detailed invoices, the pet’s medical file). File the claim within 180 days after care. Reimbursement usually within 14 business days, by bank transfer. Any questions: 1 (844) 733-8666 / [email protected]. |
| To obtain a certificate of insurance | Request it via your Lemonade customer space or by email at [email protected]. You can also call customer service at 1 (844) 733-8666. The certificate is usually sent within 3 business days. |
| To contact assistance | Lemonade customer service can be reached by phone at 1 (844) 733-8666 or by email at [email protected]. Postal address: 5 Crosby St., 3rd floor, New York, NY 10013. Assistance available for any question or emergency. |
| To cancel my contract | Request cancellation at any time by email ([email protected]), phone (1 (844) 733-8666), or mail at 5 Crosby St., 3rd floor, New York, NY 10013. Include policy number and contact details. Notice: Immediate cancellation available. If within 30 days of subscription and no claim: full refund. Written confirmation from Lemonade within 3-5 business days. |
More information: [email protected] or 1 (844) 733-8666.
Send the full file (detailed invoices, the pet’s medical file).
File the claim within 180 days after care.
Reimbursement usually within 14 business days, by bank transfer.
Any questions: 1 (844) 733-8666 / [email protected].
You can also call customer service at 1 (844) 733-8666.
The certificate is usually sent within 3 business days.
Postal address: 5 Crosby St., 3rd floor, New York, NY 10013.
Assistance available for any question or emergency.
Include policy number and contact details.
Notice: Immediate cancellation available.
If within 30 days of subscription and no claim: full refund.
Written confirmation from Lemonade within 3-5 business days.
FAQ
Do I have to pay the vet bills upfront with Lemonade?
Lemonade does not offer a direct pay or upfront payment system (like PayVet). This means you must cover your pet’s vet bill at the time of service. Afterward, you submit a claim to Lemonade, who will reimburse eligible expenses according to your plan, minus the annual deductible and your co-insurance share.
How do I cancel my Lemonade pet insurance policy?
You can cancel your Lemonade pet insurance at any time by contacting their customer service via the app, website, or by email. No minimum notice is required, but if you cancel within 30 days (and have not made any claim), you’re eligible for a full refund. No special documents are needed, though providing your policy details and identification will help process your request faster.
What exactly does Lemonade pet insurance cover?
Lemonade covers your dog or cat for unexpected accidents and illnesses—this includes exams, diagnostics, treatments, surgery, hospitalization, and prescribed medications if needed for a covered incident. Preventive care (like vaccines, dental, or checkups), behavioral issues, and pre-existing conditions are not included. Coverage applies only while your pet is in the US.
Are pre-existing conditions covered by Lemonade?
No, Lemonade does not cover any illnesses or injuries that showed symptoms, diagnosis, or required treatment prior to the start of your policy or during the waiting periods (14 days for illness, 30 days for orthopedic conditions). Genetic or bilateral conditions with prior symptoms are also excluded from coverage.
How does Lemonade calculate reimbursement for my pet’s claims?
Once you meet your annual deductible ($250), Lemonade reimburses 80% of approved veterinary costs for covered treatments, up to an annual limit of $20,000. For example, after paying the deductible, you will receive 80% back on eligible claims until the coverage limit is reached in the policy year. All claims must be filed within 180 days of treatment.
Do I have to pay the vet bills upfront with Lemonade?
Lemonade does not offer a direct pay or upfront payment system (like PayVet). This means you must cover your pet’s vet bill at the time of service. Afterward, you submit a claim to Lemonade, who will reimburse eligible expenses according to your plan, minus the annual deductible and your co-insurance share.
How do I cancel my Lemonade pet insurance policy?
You can cancel your Lemonade pet insurance at any time by contacting their customer service via the app, website, or by email. No minimum notice is required, but if you cancel within 30 days (and have not made any claim), you’re eligible for a full refund. No special documents are needed, though providing your policy details and identification will help process your request faster.
What exactly does Lemonade pet insurance cover?
Lemonade covers your dog or cat for unexpected accidents and illnesses—this includes exams, diagnostics, treatments, surgery, hospitalization, and prescribed medications if needed for a covered incident. Preventive care (like vaccines, dental, or checkups), behavioral issues, and pre-existing conditions are not included. Coverage applies only while your pet is in the US.
Are pre-existing conditions covered by Lemonade?
No, Lemonade does not cover any illnesses or injuries that showed symptoms, diagnosis, or required treatment prior to the start of your policy or during the waiting periods (14 days for illness, 30 days for orthopedic conditions). Genetic or bilateral conditions with prior symptoms are also excluded from coverage.
How does Lemonade calculate reimbursement for my pet’s claims?
Once you meet your annual deductible ($250), Lemonade reimburses 80% of approved veterinary costs for covered treatments, up to an annual limit of $20,000. For example, after paying the deductible, you will receive 80% back on eligible claims until the coverage limit is reached in the policy year. All claims must be filed within 180 days of treatment.
