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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Lemonade pet insurance offers multiple ways to tailor policies for both dogs and cats, covering accidents and illnesses through its standard plan. You can also add coverage for routine medical costs, vet visit fees, dental illnesses, behavioral conditions, physical therapy, and more.
Lemonade also offers some of the lowest premiums for pet insurance, our data shows. And because it also offers renters, homeowners, auto, and life insurance, you can get a 10% discount by bundling your pet insurance with another Lemonade policy.
Plans start at just $10 per month, but your actual cost depends on your pet. On average, insurance through Lemonade costs $26 monthly for dogs and $15 per month for cats, according to our data.
Lemonade is a good choice for pet parents looking for affordability and customizable plans. Its pet insurance premiums are relatively low, and the opportunity to save more through bundling is a big plus.
We like Lemonade’s business model, too — it takes a flat fee for each policy it writes and uses premiums to pay claims. It then donates any leftover money to non-profit organizations.
But Lemonade appears to have varying age limits for enrollment, and we weren’t able to find specifics about age limits on its website.
You’ll have to go through the quoting process to find out whether Lemonade will cover your pet.
Premiums start as low as $10 per month
Discounts available if you bundle pet and home insurance
File claims through Lemonade’s mobile app
Behavioral treatment covered only with an add-on
Doesn’t cover alternative therapies
Not available in every state
Lemonade offers some of the lowest premiums of any pet insurance company, according to Compare.com data. It also offers a good range of plan types with varying coverage, including add-ons for preventive and wellness care. Reimbursement options range from 70% to 90%, and annual coverage limits can be as high as $100,000.
You could save up to 57% on pet insurance.
Lemonade covers a wide range of dog breeds, but it has some age restrictions that appear to vary by breed. We couldn’t get a quote for our 11-year-old Chihuahua mix profile pup due to his age. And when we used a profile for a 10-year-old German shepherd, Lemonade also declined to give us a quote due to their age.
Take a look at Lemonade’s average monthly prices for some popular dog breeds, according to our data.
Breed  | Average Monthly Premium |
|---|---|
| Beagle | $34 |
| Bernese mountain dog | $47 |
| Bichon frise | $30 |
| Border collie | $27 |
| Cane corso | $51 |
| Cavalier king | $24 |
| Chihuahua | $25 |
| Dachshund | $39 |
| Doberman pinscher | $41 |
| English bulldog | $44 |
| French bulldog | $66 |
| German shepherd | $33 |
| German shorthaired pointer | $29 |
| Golden retriever | $44 |
| Goldendoodle | $30 |
| Great dane | $55 |
| Husky | $36 |
| Labrador | $40 |
| Mastiff | $46 |
| Mixed | $31 |
| Pit bull | $41 |
| Pomeranian | $25 |
| Poodle | $31 |
| Poodle toy | $26 |
| Rottweiler | $73 |
| Shiba inu | $33 |
| Shih tzu | $17 |
| Yorkshire terrier | $27 |
| Overall average | $26 |
Lemonade also covers a wide variety of cat breeds, with monthly costs depending on your cat’s age, breed, and location. Lemonade has some age restrictions for cats — we couldn’t get a quote for our 14-year-old mixed-breed profile kitty.
Here are Lemonade’s average monthly quotes for some popular cat breeds, according to our data.
Breed | Average Monthly Premium |
|---|---|
| American shorthair | $20 |
| British shorthair | $22 |
| Maine coon | $16 |
| Mixed | $20 |
| Persian | $15 |
| Pure | $18 |
| Ragdoll | $18 |
| Siamese | $15 |
| Overall average | $15 |
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Lemonade’s standard pet insurance policy covers accidents and illnesses, including diagnostics, medications, procedures, and hospital stays related to new injuries or illnesses. It also includes coverage for hereditary and chronic conditions, infections, and infestations.
You can also choose from several add-ons to customize your plan based on your pet’s specific needs. These include preventive care packages for adult and young pets and coverages for vet visit fees, dental illnesses, behavioral conditions, and physical therapy.
Lemonade, like most pet insurers, doesn’t cover pre-existing conditions (any health issue that shows symptoms before the policy’s waiting period ends). That’s why the company asks for your pet’s medical records to help them spot any conditions that won’t be covered.
Depending on where you live, Lemonade may cover curable pre-existing conditions. To get coverage for a recurring pre-existing condition, your pet will need to be symptom-free and not undergoing treatment for at least 12 months. But it won’t cover pre-existing knee or ligament issues, or chronic conditions, since those can’t be cured.
Here’s a look at how Lemonade handles coverage for common accidents and illnesses:
Condition/Treatment | Covered? | Waiting Period Most insurers have waiting periods at the beginning of a policy. During waiting periods, Lemonade won't cover claims. |
|---|---|---|
| Accidents (e.g., broken bones) | Yes | None |
| New illnesses | Yes | 14 days |
| Hereditary conditions (e.g., hip dysplasia) | Yes | 14 days |
| Chronic conditions | Yes | 14 days |
| Infestations | Yes | 14 days |
| Infections | Yes | 14 days |
| Orthopedic conditions | Yes | 30 days |
| Pre-existing conditions | No | N/A |
| Curable pre-existing conditions | Maybe | 12 months |
| Cruciate ligament events | Yes | 6 months |
| Preventative care (if add-on purchased) | Yes | None |
Compare pet insurance quotes and buy a policy online.
Lemonade pet insurance works on a reimbursement basis. You’ll pay your veterinary bills up front and then file a claim through the Lemonade app or online.
Once Lemonade processes and approves your claim, it’ll deposit your reimbursement directly into your bank account, taking into account your policy’s deductible and co-insurance.
When you buy a Lemonade pet insurance policy, you’ll choose your deductible amount, reimbursement rate, and annual coverage limit. Lemonade offers:
Deductibles: $100, $250, $500, and $750
Reimbursement rates: 60%, 70%, 80%, and 90%
Annual limits: $5,000, $10,000, $20,000, $50,000, and $100,000
Lemonade also offers a handful of discounts that can help reduce your policy costs, including up to:
5% for paying your premium in full
10% if you insure more than one cat or dog with Lemonade
10% for bundling your Lemonade pet insurance policy with a renters, homeowners, or auto insurance policy
Let’s say your dog breaks his leg on a walk and needs surgery that costs $3,000. Here’s how the reimbursement would work:
Filing a claim: After paying the vet bill, you’d open the Lemonade app, upload the invoice, enter a few details about what happened, and submit the claim.
Deductible: If your plan has a $500 deductible, Lemonade subtracts that amount from the total cost. So in this case, deducting $500 from $3,000 leaves $2,500 eligible for reimbursement.
Reimbursement percentage: With an 80% reimbursement rate, Lemonade would send you back $2,000 (80% of $2,500).
Payout limit: If your policy has a $20,000 annual limit, that $2,000 payout would leave you with $18,000 in coverage for the rest of the year.
You can choose your deductible, reimbursement rate, and annual payout limit when you set up a policy.
Because premiums and coverages can vary significantly among pet insurance policies, it’s important to compare more than one insurer. And you should get multiple quotes before choosing a policy.
Here’s how Lemonade compares to some of its top competitors.
No upper age limit for enrollment
Acupuncture care coverage available
Unlimited coverage option available
No 100% reimbursement option
No coverage for pre-existing conditions
Doesn’t cover behavioral conditions
Pets Best’s prices are a few dollars per month lower than Lemonade’s, according to our data. The insurer offers customizable accident and illness plans with annual coverage limit options of $5,000, $10,000, and unlimited. Reimbursement levels range from 70% to 90%.
Depending on the plan level you choose, exam fees and therapies like acupuncture can be covered. Wellness plans are available as add-on coverage.
Multiple deductible and reimbursement options
Allows enrollment of senior pets without age restrictions
Provides optional wellness plans for routine care
Requires a 14-day waiting period for both accidents and illnesses
Doesn’t offer direct payments to veterinarians
No 100% reimbursement option
Spot Pet Insurance offers accident and illness coverage, a lower-cost accident-only plan, and optional wellness add-ons for dogs and cats. Like most pet insurers, Spot doesn’t cover pre-existing conditions. But if your pet recovers and remains symptom- and treatment-free for 180 days, the condition may be eligible for future coverage.
Spot doesn’t have an age limit, so you can enroll your pet at any stage of life.
10% discount for each additional pet
Covers alternative therapies like acupuncture
Includes coverage for hereditary and congenital issues
Won’t cover pre-existing conditions
No coverage for prescription food
Must call to get a quote for unlimited coverage
ASPCA pet insurance rates are a bit higher than Lemonade’s, according to our data. ASPCA offers customizable plans that cover accidents, hereditary and congenital issues, other illnesses, and even some preventive care. You can choose your deductible, a reimbursement rate from 70% to 80%, coverage limits to fit your budget, and add-ons like preventive care.
ASPCA insurance also offers a 10% discount per pet for each additional pet.
Customize a policy and protect your pet in minutes.
If you still have questions about Lemonade Pet Insurance, here’s what you need to know about age limits, waiting periods, enrollment, and how claims work.
Yes. Your pet must be at least 8 weeks old to enroll in a Lemonade policy. Lemonade doesn’t list an upper age limit for coverage eligibility, but we couldn’t get it to provide quotes for some senior-age pet profiles.
Yes, Lemonade has different waiting periods depending on the type of claim:
14 days for illnesses
30 days for orthopedic conditions
6 months for cruciate ligament events
12 months (symptom- and treatment-free) for curable pre-existing conditions
Lemonade doesn’t require you to take your pet for an exam before you buy a policy. But once you enroll, you’ll need to provide medical records from the past 12 months (or from birth if your pet is under a year old) so Lemonade can check for pre-existing conditions.
Lemonade says its AI-powered system can process and approve many claims in just minutes. But more complex claims may take longer to review. Once Lemonade approves your claim, it will deposit your reimbursement directly into your bank account.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
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