Lemonade pet insurance review
Lemonade scores 9/10 in our rankings. For dogs, it's best for puppies and tight budgets Best price in the category and claims settle in-app — but not sold in every state and dental is thin. For cats, it's best for most cats Very cheap for cats and claims settle in-app — but not available in every state and dental is thin. Quotes for a healthy one-year-old animal typically start around $28/mo for dogs or $16/mo for cats, but your actual price depends on breed, age, ZIP code and the deductible/reimbursement combination you pick — treat that number as a starting point, not a quote.
Quick facts
- Annual limit
- $100k
- Deductible
- Fully customizable, $100 to $750 (up to $1,000 on some policies)
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- 2 days (0 days in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA) / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $5,000 up to $100,000 depending on how you configure the policy
Deductible: Fully customizable, $100 to $750 (up to $1,000 on some policies)
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes — an optional wellness add-on (roughly $5/mo) plus separate optional add-ons for dental illness, behavioral conditions, physical therapy, vet visit fees and end-of-life expenses. Most à-la-carte add-on menu of the insurers reviewed here.
Waiting periods
- Accidents: 2 days (0 days in AL, AR, CT, DC, GA, IL, IN, IA, MD, MS, NE, NH, NM, OH, SC, TX, UT, WA)
- Illness: 14 days
- Orthopedic / cruciate: 30 days for orthopedic conditions generally, 6 months for cruciate ligament events specifically
Pre-existing conditions
Not covered, standard exclusion for anything showing signs before enrollment or during the waiting period.
State availability
Not sold everywhere — confirmed unavailable in Alaska, Delaware, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, South Dakota, Vermont, West Virginia and Wyoming. Check your state before assuming you can buy in.
Who Lemonade is not for
Owners in one of the states above, or anyone who wants a single accident-and-illness price without stacking add-ons to get full coverage.
Questions about Lemonade
Some links here are partner links. If you buy through one, the insurer may pay us a fee — it never changes your premium and it never changes a ranking. See our methodology for how scores are set.