Lemonade Pet Insurance Review 2024: Affordable Plans With An Easy Reimbursement Process

Lisa Scott

Lemonade has earned a reputation in the insurance industry with its affordable premiums. The insurer uses technology that allows pet owners to customize their policies and file claims within the shortest time possible.

Overall rating


Summary: Lemonade uses intelligent technology to provide budget friendly plans and an easy reimbursement process.

Lemonade Pet Insurance

lemonade logo


Coverage Up To

70% - 90%

Reimbursement Rates



Policy Application


Fees & Coverage


Claim Support


Customer Service


Safe & Secure


  • 10% discount for Lemonade home policyholders
  • Offers preventive and wellness coverage
  • Annual deductible
  • High annual coverage limit


  • Not available in all states
  • Certain hybrid breeds might not be covered

Our Pick For

  • Customizable coverage
  • Claims are reimbursed in minutes 
  • Low monthly premiums


HQNew York, NY
PolicyIllness, Accident, & Preventive Coverage
Eligible Pet AgeNo age limit
Annual Coverage$5,000, $100,000
Reimbursement Rate70%, 80%, 90%
Deductibles$100, $250, $500
Medical ExamRequired
Restricted StatesNot available in AK, DE, FL, HI, ID, KS, KY, LA, ME, MA, MN, SD, VT, WV, WY

In depth review on Lemonade Pet Insurance

With a stellar reputation in home and renters insurance, Lemonade entered the pet industry with monthly premiums as low as $10. The company’s mission is to ensure that pet owners can keep their pet(s) healthy all year round at affordable costs.

The average cost of surgeries for dogs or cats ranges between $1,000 to $1,500, which can be costly if paid out of your pocket. With Lemonade Pet Insurance, pet owners can save hundreds or even thousands of dollars when they need to take their pet to the vet. 

The company also gives back to the community by donating unclaimed premiums to animal welfare organizations and other charitable causes that customers choose when they sign up.

Our pick explained 

  • Customizable coverage: Lemonade allows you to customize your policy that suits your pet’s healthcare. In short, you won’t need to pay for the coverage your pet does not need.
  • Claims are reimbursed in minutes: Lemonade offers an entirely digitized platform that is easy to navigate and optimized for faster claim filing and reimbursements. Many claims are reimbursed in minutes. 
  • Low monthly premiums: The platform offers low monthly premiums because it can rely on AI to do a lot of the heavy lifting for free. For instance, pet insurance coverage at Lemonade starts at $10, which is relatively low compared to other insurance providers. 

Lemonade Pet Insurance benefits

  • 10% discount for Lemonade users: Lemonade also offers condo, renters, or home insurance plans. If you already have an existing insurance plan with the company, you will receive a 10% discount on your pet insurance policy.
  • Offers preventive and wellness coverage: Pet parents also enjoy preventive and wellness coverage as an add-on package. It’ll cover your pet’s annual exam, various vaccines, screen tests, live medical chat, and more to keep pets in good health all year round.
  • Annual deductibles: Lemonade’s deductibles apply annually, unlike some other insurance companies whose deductibles apply per incident which can go into the hundreds of dollars per issue.
  • High annual coverage limit: The agency offers a high annual limit of up to $100,000, which is much higher than the industry standard. 

Lemonade Pet Insurance drawbacks

  • State restrictions: The agency’s pet insurance plan is only available in 33 US states and in Washington DC.
  • Certain hybrid breeds might not be covered: There is no specific age limit to enroll for the policy, but certain hybrid breeds may be denied.

Factors contributing to the overall rating

Policy application


Lemonade Pet Insurance requires a valid pet medical examination in order to file a claim. The medical report should be completed within the last 12 months from the date of sign-up, and ideally submitted within the first two weeks of getting your policy. 

Lemonade provides a 100% digitized platform that can be accessed via a mobile app or official website to sign up. The insurer offers a digital assistant, AI Maya, who will take you through the sign-up process and answer all your questions on price quotes, deductibles, and reimbursements.

To enroll your pet, you will enter the following pet information:

  • Pet type: Dog or Cat
  • Pet name 
  • Gender
  • Type of breed 
  • Age

You need to provide your personal information and link your active credit/debit card with the platform. Although there is no age limit with the insurance provider, Lemonade recommends that you insure your pet while still young to get better coverage for the rest of your pet’s life.

Fees and coverage


Lemonade Pet Insurance offers illness and accident coverage for cats and dogs with a couple of optional add-on packages, such as wellness and preventative coverage. AI Maya allows you to customize your policy depending on your finances, giving you full control over deductibles, reimbursement rates, add-ons, and policy coverages, all of which influence your monthly premium. After customizing your policy, the digital assistant will calculate your monthly fee.

Lemonade offers short waiting periods for coverage as follows.

  • 2 days waiting periods on accidents
  • 14 days waiting periods on illness
  • 6 months waiting period on orthopedic issues
  • There is no waiting period for preventative coverage

Lemonade also offers extended accident and illness coverage where members are reimbursed for vet exam fees and additional treatment costs.

You can visit any licensed veterinary doctor in 33 states or Washington DC, and you can call the emergency line for all your pet issues 24/7. 

Claim support


You can file your claims through the mobile platform where you interact with a chatbot that makes reimbursements fast and easy. To file your claims, you need to click on the claim button, and the digital assistant will guide you through the remaining process. 

You can film a short video describing your claim and easily attach the bill from the vet clinic, and you will be reimbursed through direct deposit. Since many of the claims are reimbursed instantly, it is possible that the company can send your money even before you leave the vet clinic. 

Claims should be filed within 180 days from the date of your pet’s treatment at the vet clinic. 

Customer support


If you visit Lemonade’s customer review page, you will find positive customer satisfaction reviews with AI Maya and their human support staff. The platform also offers a telephone number that you can use to speak directly to the support staff.

Safe and secure


Lemonade has earned a stellar reputation with its safe and secure insurance platform. It is also rated highly by Demotech regarding financial stability. Once you have submitted your bank details, the agency conducts a series of verification to keep your account safe. Insurance authorities also regulate Lemonade in the respective US states. 

Is Lemonade Pet Insurance right for you?

If the monthly premium and being reimbursed fast is important to you, Lemonade’s pet insurance can be customized to reduce costs, and you can make use of AI Maya to quickly get reimbursed.