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We give Lemonade Pet Insurance a ranking of 4.5 out of 5 stars.
Lemonade offers pet insurance coverage for unexpected moments in your pet’s life. Like many pet insurance coverage corporations, Lemonade gives inexpensive insurance policies for puppies, kittens, grownup canines, cats, and all ages in between.
However, Lemonade’s choices are what set it aside—you may maintain the associated fee decrease by deciding on Accident and Illness solely or add Preventative packages for a extra full protection possibility. You may select your annual deductible, co-insurance, and most yearly restrict to greatest fit your state of affairs.
Lemonade’s enterprise mannequin is a bit of completely different than most insurance coverage corporations. With their Giveback program, unclaimed parts of premiums go in direction of supporting non-profits.
Lemonade Pet Insurance Review
- Affordable
- Wide vary of protection choices extending past accident and sickness
- 4 Deductible choices
- Short ready durations
- Tech-savvy, ease of buying insurance policies and submitting claims
- Regular vet visits and related prices like vaccinations, exams, and extra might be coated beneath the Preventative Care Package
- Only out there in 37 States
- Does not cowl pre-existing situations
About Lemonade
If you’ve lately welcomed a brand new furry good friend dwelling, you in all probability bought all of the predictable issues, like meals dishes, collars, toys, leashes, and extra – however what about making ready your self (and your pet) for the unpredictable? That’s the place Lemonade pet insurance coverage is available in.
Lemonade’s insurance policies cowl canines and cats from eight weeks previous. Lemonade offers Accident and Illness protection in a Base plan For the extras, their Preventative Care packages and add-ons can assist cowl the remaining (with some exceptions).
Lemonade is nice for pet house owners in 37 US States (and Washington DC) however isn’t out there in every single place simply but, although they’re working to broaden into the remaining 13 states.
Lemonade is a licensed B Corp and Public Benefit Corporation and insists they’re taking the insurance coverage world from “a needed evil and turning it right into a social good”.
The Lemonade Giveback and their distinctive enterprise mannequin works a bit of like this. Upon signing up, policyholders can decide a non-profit of your alternative, and on the finish of the 12 months, unclaimed cash goes to the charities policyholders select. Lemonade takes a portion of it to cowl insurance coverage prices, however the remaining strikes to your chosen charitable checking account, doing nice issues.
Since 2017, Lemonade’s Giveback enterprise mannequin has given over $8,000,000 to non-profits and charities.
Pricing and Plans (Updated in 2024)
* Based on a 2-year-old Labrador in Chicago
| Company | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Learn More |
| Lemonade | $30.45 | $13.91 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Policy
Lemonade’s base coverage covers diagnostics, procedures, and medicines. This Base coverage applies to diseases like cancers, UTIs, and damaged bones, however provided that the affected person has not skilled the sickness or accident earlier than your insurance coverage protection. This would make the situation a pre-existing situation. It is to not be confused with recurring situations, as these at the moment are coated.
A recurring situation is an ailment that returns extra usually attributable to exterior occasions (reminiscent of ear infections after swimming). Within Lemonade’s coverage, they insist all cheap efforts will probably be made to cease this from re-occurring, guaranteeing you present sufficient care, like a doggy swim cap. Yep, it’s a factor!
Customizations
If overlaying the oopsies and uh-ohs makes you’re feeling good, you may bump your plan with preventative care choices and add-ons.
There are 3 preventative packages. Below are the completely different selections;
Here’s what might be coated as part of Lemonade’s Preventative Care Package:
- 1 Wellness Exam – Up to $50/yr
- 1 Fecal or Internal Parasite Test – Up to $35/yr
- 1 Bloodwork – Up to $65/yr
- 3 Vaccines – Up to $75/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
primarily based on 80% co-insurance
This is what might be coated as part of their Preventative+ Care Package:
- 1 Wellness Exam – Up to $50/yr
- 1 Fecal or Internal Parasite Test – Up to $35/yr
- 1 Bloodwork – Up to $65/yr
- 3 Vaccines – Up to $75/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
- Flea/Tick or Heartworm Medication – Up to $65/yr
- Routine Dental Cleaning – Up to $150/yr
*primarily based on 80% co-insurance
And what might be coated as part of the Puppy/Kitten Preventative Care Package:
- 2 Wellness Exams – Up to $100/yr
- 2 Fecal or Internal Parasite Tests – Up to $70/yr
- 1 Bloodwork – Up to $65/yr
- 6 Vaccines – Up to $150/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
- Flea/Tick or Heartworm Medication – Up to $65/yr
- Spay/Neuter Procedure – Up to $120
- Microchip – Up to $40
*primarily based on 80% co-insurance
And these 5 add-ons:
Vet Visit Fees:
With the vet go to add-on, we’ll assist pay for vet go to charges which might be charged for eligible accidents and diseases. This is the price some vets cost for his or her time and labor, along with the precise price of the remedy, which is roofed by a base accident & sickness coverage.
Physical remedy:
If you add our bodily remedy add-on to your base coverage we’ll be capable to reimburse you for therapies associated to performance points because of an surprising sickness or an accident.
Dental sickness:
The dental sickness add-on can assist cowl the price of therapies, procedures, diagnostics, and medicines associated to dental sickness. This consists of: crowns, extractions, root canals, dental surgical procedures, and coverings for gum illness like gingivitis and periodontal illness.
Behavioral situations:
Lemonade’s behavioral situations add-on can assist cowl the prices of diagnostics and vet-recommended therapies and therapies associated to eligible behavioral situations. This might embody remedy classes, prescription medicines, and specialised coaching to handle situations like: phobias and separation nervousness, extreme barking, in addition to aggressive or damaging behaviors.
End of life and remembrance:
If you go for Lemonade Pet’s end-of-life and remembrance add-on, you will get protection for prices associated to vet-recommended euthanasia, cremation, or to assist pay for commemorative objects like an urn, framed footage of paw prints, digital photograph storage, or perhaps a tattoo that will help you memorialize and bear in mind your pet.
Lemonade’s Price Comparison For Dogs
The approach Lemonade is about up is you may decide various deductibles, co-insurance, and annual restrict for cats and canines, which can change your month-to-month cost. I’ll embody the breakdown choices beneath the desk, as I feel it’s vital to understand the worth variances. All of those are on Base costs.
| German Shepherd Mix | Pomeranian | |
| Male or Female | Female | Boy |
| Age | 7 Months | 5 Years |
| Location | New Jersey | New Jersey |
| Reimbursement Level | 80% | 80% |
| Annual Deductible | $500 | $500 |
| Annual Max | $50,000 | $50,000 |
| Price monthly | $34.28 | $39.70 |
This desk relies on the Base plan possibility, with the “Perfect Mix” reimbursement and deductible possibility.
Lemonade gives three cost choices.
- Lower Monthly Premium: This coverage covers 70% of your eligible vet payments after the $750 deductible is paid, as much as $50,000 per 12 months.
- Perfect Mix: This coverage covers 80% of your eligible vet payments after the $500 deductible is paid, as much as $50,000 per 12 months.
- Pay Less Out Of Pocket: This coverage covers 90% of your eligible vet payments after the $500 deductible is paid, as much as $100,000 per 12 months.
| Breed Name | Under 1 | 5 Years Old |
| Golden Retriever | $45.54 | $54.45 |
| Cocker Spaniel | $39.00 | $46.50 |
| Chihuahua | $26.96 | $30.07 |
Deductibles & Claims
Lemonade makes it straightforward throughout your powerful time if that you must file a declare in your pooch. When you buy your declare, Lemonade sends you a doc outlining what you’re insured for and when the ready durations are over.
To qualify, the declare have to be made inside 180 days of the occasion. All supporting documentation have to be submitted by this time for the declare to be thought-about made. You can file your declare on Lemonade’s app.
After paying your one- per-year deductible, Lemonade will cowl as much as the chosen share (co-insurance).
How will you receives a commission? When you submit your declare, Lemonade will ask in your checking account info, and the cash will probably be deposited immediately into your account.
What does Lemonade Cover?
Base
- Diagnostics
- Procedures
- Medication
While deciding on your coverage, you’ve the choice to include vet visit fees, bodily remedy, behavioral situations, dental sickness, or end-of-life protection for a price. The further protection often ranges between $1.89 – $12.96 monthly, relying in your alternative.
Preventative Care Package Options
Based on an 80% co-insurance plan:
- 2 Wellness Exams – Up to $100/yr
- 2 Fecal or Internal Parasite Tests – Up to $70/yr
- 1 Bloodwork – Up to $65/yr
- 6 Vaccines – Up to $150/yr
- 1 Heartworm or FeLV/FIV Test – Up to $40/yr
- Flea/Tick or Heartworm Medication – Up to $65/yr
- Spay/Neuter Procedure – Up to $120
- Microchip – Up to $40
- Pre-existing situations
- Bi-lateral situations
- Non-traditional therapies
- Non-illness or non-accident associated happenings like elective beauty surgical procedures, nail grooming, and anal gland expression.
- Conditions associated to breeding or being pregnant
- Commercial working canines, like herding, guarding, or sports activities exercise contributors like sled racing.
- Boarding or transport.
- Food and dietary supplements.
Waiting Periods
In some States (Mississippi, New Hampshire, Washington, Ohio, Indiana, and Nebraska)—quickly to be all States in the course of the 2024 rollout—there isn’t a accident ready interval. You can anticipate a 14-day ready interval (after you’ve bought your coverage) for sickness and 30 days for orthopedic situations.
*Depending on the place you reside, your ready durations may very well be shorter*
Pre-existing Conditions
What is a pre-existing situation? A pre-existing situation is an ailment your pet had earlier than buying your coverage, reminiscent of bilateral or intervertebral situations.
A pre-existing situation (like Roundworms) could also be coated if it may be cured and the pet has not skilled signs within the earlier 12 months.
Just as a result of your pet has a pre-existing situation doesn’t imply it may well’t be insured; it simply means the pre-existing situation or associated points is not going to be coated in your coverage.
Reviews from Customers
If you’re a tech-savvy particular person who likes real-time updates, Lemonade’s app is a straightforward instrument for navigating the world of pet insurance coverage.
Most evaluations be aware Lemonade’s inexpensive worth level, although it must be famous that behavioral points, vet go to charges, and dental work are not covered beneath the bottom coverage. Therefore, the worth tag begins to climb because the policyholder consists of these choices.
The shorter turnaround instances are additionally a speaking level for pet mother and father in every single place. Even with the up-front cost, the insurance coverage declare is simple to file and might start whilst you’re sitting within the vet’s ready room so the protection quantity hits your checking account shortly.
Frequently Asked Questions
How do I get a quote for a Pet Policy?
It’s straightforward! Visit lemonade.com, the place you’ll be requested a sequence of questions, like your pet’s identify, age, breed, and identified situations. A quote is generated in minutes after selecting which plan and protection you’d like.
Are there reductions for a number of pets?
There are reductions to save lots of in your multi-pet family for those who join multiple pet. Plus, Lemonade gives an annual cost and bundling low cost for those who even have Lemonade renters, householders, or automobile insurance coverage.
If my pet has a pre-existing situation, can I nonetheless get insurance coverage?
Yes, solely pre-existing and associated illnesses is not going to be coated beneath your coverage.
Will I’ve to pay upfront?
Yes, for this coverage, you will have to pay the vet payments upfront, and then you definately’ll be reimbursed as soon as your declare is authorized.
What if I’ve a query that I’m not sure warrants a vet go to?
With your Lemonade Pet Policy, all policyholders have entry to Connect with a Vet on-line chat.
Our Verdict
Lemonade’s pet coverage has an excellent worth level for the choices you may choose from.
Like most insurance coverage insurance policies, buying one earlier than any points come up is greatest. Not solely is it cheaper for you as a pet guardian, but it surely protects you within the occasion of an accident you would like you’d had insurance coverage for.
The pet coverage and choices are clear and simple to know. Therefore, there shouldn’t be any surprises when it comes time to file your declare. You’ll know precisely what you’re coated for, and submitting a declare is simple.
A coverage to guard fido is simply as straightforward and easy as selecting out a brand new collar and can prevent in the long term.