Lemonade Review

Lemonade Pet Insurance provides coverage for diagnostics, procedures, medications, and preventative care treatments. Lemonade only has a waiting period of two days for accidents, which is significantly less time than numerous competitors.

PLANS





What pets can be covered by Lemonade pet insurance?

Lemonade covers both dogs and cats.

What types of plans does Lemonade offer?

At this time Lemonade offers a standalone pet insurance plan that provides coverage for accidents and illnesses, which include injuries, poisoning, broken bones, sprains, infections, general sickness, cancer, heart disease, hip dysplasia, hernias, skin conditions, and more. Lemonade will cover the costs associated with vet bills related to those incidents or conditions. This includes hospitalization, diagnostics, lab work, surgery, emergency care, and prescription medication.

Lemonade also allows you to customize your policy with multiple preventative care packages and wellness add-ons, including ones for vet visit fees, dental illness, and physical therapy.

When does Lemonade recommend you sign up for pet insurance?

The sooner that you sign up your pet(s) for a policy with Lemonade, the better. This will save you money in the long run that you'd otherwise have to pay, without having the added support from Lemonade.

Does Lemonade offer a discount for multiple pets?

Lemonade offers a 5% multi-pet discount.

Does Lemonade offer pet insurance in all 50 states?

Lemonade is available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.

COVERAGE





Which breeds can be covered by Lemonade pet insurance?

Lemonade covers all breeds of cats and dogs, but doesn't provide coverage for exotic pets.

What are the minimum and maximum ages that are covered by Lemonade pet insurance?

Lemonade doesn't have an age limit and will not phase out your policy at a certain age, but depending on your state and pet breed, you may get denied if you try to purchase a policy for an older pet. It also doesn't cover experimental treatments and has a $100,000 annual limit. So, it may not be as helpful for senior pets with complex health conditions.

Which common procedures are covered by Lemonade pet insurance?

Lemonade's preventative package provides coverage for common procedures like your pet's annual wellness exam, up to 3 vaccines, heartworm or FeLV/FIV test, an internal parasite or fecal test, and a blood test. Lemonade’s Preventative+ package covers all of that, plus your pet’s routine dental cleaning and flea, tick, and heartworm medication. Lemonade has also put together a Puppy/Kitten preventative package, which is designed to support the needs of pets that are under 2 years old. This package provides coverage for everything that's already in the preventative package, and also coverage for spaying or neutering, microchipping, and up to 6 annual vaccines.

Are emergency vet visits and procedures covered by Lemonade pet insurance?

Lemonade's basic coverage will provide coverage for accidents and illnesses. An example of this coverage in action would be if your cat or dog were to have eaten something toxic, Lemonade would provide coverage for any medicine or surgery that came from it.

Which procedures or conditions are not covered by Lemonade pet insurance?

At this time, Lemonade does not offer coverage for pre-existing conditions, elective surgeries unrelated to an accident/illness, or anything that happens due to neglect.

Are medicines and vaccinations covered by Lemonade pet insurance?

Lemonade offers coverage for prescriptions that your pet may need due to illnesses and/or accidents.



CLAIMS





How long is the waiting period after enrolling with Lemonade pet insurance?

From the moment you choose to activate your pet insurance policy, there will be three different waiting periods that depend on your start date. These are 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. Lemonade only offers reimbursement for your claim once the relevant waiting period has concluded.

How do I file a claim with Lemonade?

To file a claim you simply open the Lemonade app, and then hit the "File a Claim" button, Lemonade will guide you through the rest of the quick process.

How do I pay my Lemonade premiums? Do I have an option between paying monthly vs. paying annually?

Lemonade's policies start at $10/mo, though you should note that the cost of your customized premium will depend on how much coverage you get (and how long), your pet's age, health background, and location.

What other things should I consider about my Lemonade pet insurance coverage?

Lemonade offers a few different add-on coverage options. First, is the Vet visit fees add-on. For between $2-5 a month for cats and $3-8 a month for dogs, Lemonade will offer this add-on to help pet owners pay for any exam fees that they are charged for when visiting the vet. Next, is the Physical therapy add-on. This add-on will usually cost between $1-3 extra per month. This add-on covers physical therapy treatments that include treatments like acupuncture and chiropractic care. Lemonade also offers add-ons for Dental Illness, Behavioral Conditions, and End-of-Life and Remembrance. When it comes to preventative care, Lemonade offers two plans for pet parents that want coverage on their pet's routine care plus a Puppy/Kitten Preventative Package. These two plans come at different prices and coverage levels. The more expensive plan provides coverage for a wellness exam, a fecal test, three vaccines, a heartworm test, a blood test, and this plan will provide coverage for flea, tick, and heartworm medications in addition to routine dental cleaning which is the most expensive option. The Preventative plan includes everything already listed above, except for coverage for flea, tick, and heartworm medications, and coverage for routine dental cleaning. Lemonade also offers add-ons for Dental Illness, Behavioral Conditions, and End-of-Life and Remembrance.



CUSTOMER SERVICE





What kind of customer support does Lemonade offer?

You can reach Lemonade at (844) 733-8666, or by emailing help@lemonade.com.

Does Lemonade have a mobile app? 

Lemonade's app is available for download on both Apple's App Store as well as the Google Play store.

Does Lemonade offer a trial period?

Lemonade doesn't offer a trial period at this time.

How can I cancel my Lemonade pet insurance plan?

You can cancel your policy with Lemonade at any point in time through the Lemonade app or on Lemonade's website. You'll receive a refund for the remaining period of time that you've paid for.