Lemonade Pet Health Insurance Reviews – Is It Right For You?

A growing number of pet owners have pet health insurance. Lemonade makes pet health insurance easy.

Lemonade is an insurance startup that recently launched pet insurance products across the United States. With Lemonade, pet owners get covered in seconds and watch claims approved in minutes. The goal is to provide a hassle-free digital experience, and fast payments for pet insurance claims – all powered by the AI and app-driven approach that has made Lemonade famous.

Should you buy pet health insurance with Lemonade? How does Lemonade’s pet health insurance work? Please keep reading to discover everything you need to know about Lemonade’s pet health insurance and how it works.

What is Lemonade?

Lemonade is a health insurance company for cats and dogs. Owners buy pet health insurance through Lemonade, and Lemonade covers certain unexpected medical expenses.

According to Lemonade.com, the company is America’s top-rated insurance. The company has excellent ratings from Supermoney, Clearsurance, and other insurance media outlets. Lemonade also has a rating of 4.9 stars out of 5 in the app store.

Pet health insurance can be complicated. Lemonade makes it easy to sign up, process claims, and easy to cover your cat or dog. The goal of Lemonade is to make pet insurance simple, fast, and hassle-free.

What Does Lemonade Pet Health Insurance Cover?

Lemonade’s pet health insurance covers diagnostics, procedures, and medication. The coverage was carefully crafted in collaboration with Lemonade’s veterinarian team and pet parents.

Additionally, Lemonade provides huge savings on annual routine care via its preventative packages. Cat and dog owners can save money on wellness exams, parasite tests, heartworm tests, bloodwork, and routine dental cleanings, among other costs.

You can customize your Lemonade coverage based on your pet’s unique needs. You can buy coverage specifically for puppies and kittens, for example, allowing you to make a claim for spaying/neutering, microchipping, flea medication, and up to six vaccines or boosters.

Items covered by Lemonade include:

Diagnostics: Lemonade’s pet health insurance covers urinalysis, X-rays, MRIs, lab work, CT scans, and ultrasounds.
Procedures: Lemonade covers pet outpatient care, specialty care, emergency care and hospitalizations, and surgeries.
Medication: Lemonade covers injections and prescription medications.

Lemonade Helps You Save on Tests, Vaccines, and Other Essential Pet Care

Pet health insurance is primarily designed to cover unexpected emergency costs. However, Lemonade can also help you save money on tests, vaccines, and other essential care services for your cat or dog.

Some of the other items covered partially by your Lemonade health insurance plan include:

Wellness exams, including annual physical checkups for pets
Fecal or internal parasite tests, including an annual parasite evaluation test
Heartworm tests, including annual screening of heartworm infestation
Bloodwork, including annual detection of diseases before symptoms appear
Routine dental cleanings, including dental X-rays, anesthesia, polishing, and other dental services for cats and dogs
Vaccines, including coverage for up to 3 vaccines (like rabies, DHLPP, and Bordetella vaccines)
Medical advice chat, including expert online medical advice to give pet owners peace of mind before visiting a vet in-person
Flea, tick, and heartworm medication that protects your pet from common pests
Puppy and kitten coverage includes spaying and neutering, microchipping, flea medication, and up to 6 vaccines or boosters.

Lemonade Pricing

Lemonade provides custom pricing online through Lemonade.com and the mobile app. You can enter basic information about your pet, age, and medical history, then receive an instant quote.

Based on quotes provided to our model pet portfolios, you can expect to pay $30 to $100 per month for pet health insurance with Lemonade.

Lemonade’s pet insurance pricing varies widely based on location, breed, age, and other factors. It also varies based on whether you choose standard coverage or additional coverage. However, anyone can get a free quote instantly online.

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Lemonade Pet Insurance Standard Coverage

Lemonade’s standard pet insurance covers all of the following:

Diagnostics
Procedures
Medication

Lemonade’s base accident and illness pet insurance should cover diagnostics (like blood tests and X-rays), procedures (like outpatient care and surgery), and medication (like injections and prescriptions). This does not include coverage for any pre-existing conditions.

Lemonade Pet Insurance Additional Coverage

Some pet owners want additional coverage. Lemonade makes it easy to add additional options to your pet insurance policy, including coverage for everything from vet visit fees to physical therapy.

Additional coverage options and costs available through Lemonade’s pet insurance include:

Vet Visit Fees ($14.75 Per Month): Lemonade covers fees for eligible accidents or illnesses when visiting the vet.
Physical Therapy ($4.83 Per Month): Lemonade covers physical treatments like acupuncture, chiropractic care, and more.
Preventative Care: Lemonade covers up to 80% of preventative care costs with no deductible, up to certain limits. To raise or lower prices, you can choose Lemonade to cover 70%, 80%, or 90%. The more Lemonade covers, the more you’ll pay in premium.
Preventative Plan ($16 Per Month): Covers one wellness exam, one fecal or internal parasite test, three vaccines, one heartworm or FeLV, FIV test, one blood test, and access to the medical advice chat.
Preventative+ Plan ($24.33 Per Month): Covers one wellness exam, one fecal or internal parasite test, three vaccines, one heartworm or FeLV/FIV test, one blood test, routine dental cleaning, flea/tick or heartworm medication, and access to the medical advice chat.

You can also customize your Lemonade pet insurance price by raising or lowering your deductible ($100, $250, or $500) and adjusting your maximum annual coverage limits (from $5,000 to $100,000).

What Does Lemonade Pet Insurance Not Cover?

Lemonade’s pet insurance does not cover all medical and veterinary costs associated with your pet. Some of the expenses not covered by Lemonade pet insurance (and most other pet insurance policies) include:

Incidents that happen within waiting periods. Lemonade has a two-day waiting period for injuries, 14 day waiting period for illnesses, and six month waiting period for cruciate ligaments. After signing up for a Lemonade pet insurance policy, you must wait a certain period before specific incidents are covered. Suppose your pet injures itself the day after you sign up for Lemonade pet insurance, for example. In that case, Lemonade will not cover the incident because you’re within the two-day waiting period for injuries.
Pre-existingconditions. Lemonade does not cover health issues that your pet has shown symptoms of before their coverage kicked in. If your pet already has symptoms or a specific health issue, and you sign up for Lemonade to attempt to cover that issue, then Lemonade may deny your claim because it was a known, pre-existing condition.
Dental care. Lemonade can cover routine dental cleaning with its Preventative+ package. However, Lemonade does not cover dental illnesses in dogs or cats.
Spaying and neutering for pets 2+ years old. Lemonade will cover the cost of spaying or neutering a puppy or kitten if your pet is under 2 years old and you have opted for the puppy/kitten preventative plan. However, Lemonade does not cover spaying or neutering on pets over two years old.

Lemonade Discounts

Lemonade offers several discounts to further reduce the cost of pet health insurance coverage. Discounts available through Lemonade include:

10% bundling discount
5% multi-pet discount
5% annual premium discount (if you opt to pay annually vs monthly)

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FAQs About Lemonade

Pet health insurance can be complicated. Lemonade aims to make it easier. Here are some of the frequently asked questions about Lemonade and how it works:

Q: Can I add multiple pets to Lemonade?

A: Yes, you can add multiple pets to your Lemonade policy. You purchase a policy for your first pet, then hit the + symbol on the Lemonade app’s home screen to get a new quote for another pet.

Q: How long do I wait before coverage kicks in?

A: All pet insurance companies have waiting periods, including Lemonade. Lemonade’s coverage begins after two days for accidents, 14 days for illnesses, and six months for cruciate ligament events. However, if you buy the Lemonade preventative package, you can start using those benefits almost immediately (they begin the day after you purchase the policy).

Q: Do consumers need to provide a pet’s medical records?

A: Yes, Lemonade requires your pet’s medical records to determine coverage. Lemonade checks medical records for any previous health issues and pre-existing conditions. Pets with a higher risk of medical events may have higher pet health insurance premiums.

Q: Does Lemonade cover pre-existing conditions?

A: Lemonade does not cover pre-existing conditions. If your pets had shown signs of something before you signed up for Lemonade, this is considered a pre-existing condition. However, Lemonade will still cover any new illnesses and emergencies for that pet.

Q: How does Lemonade cover claims?

A: Lemonade sends money to your bank account after approving a claim.

Q: Can consumers use and visit any vet they want?

A: Yes, Lemonade covers visits to any licensed veterinarian in the United States. As long as the veterinarian is licensed to provide veterinary care in the state they operate in; Lemonade will cover that vet.

Q: Where is Lemonade available?

A: As of January 2022, Lemonade is available in 36 states.

Q: Can I change my pet health insurance policy with Lemonade?

A: Yes, you can modify your coverage within the first 14 days of coverage, and you can modify it again at your policy’s annual renewal.

Q: Can I cancel my Lemonade policy?

A: Yes, Lemonade lets you cancel your policy through the app. If you cancel your pet health insurance, your waiting periods will reset. Plus, anything diagnosed during your first pet health insurance plan would be considered a pre-existing condition for a future policy.

About Lemonade

Lemonade is an insurance startup disrupting multiple insurance products with an AI-based, app-focused approach to insurance. The company offers renters, homeowners, car, pet health, and term life insurance policies, among other insurance products and services.

Lemonade’s insurance products are available across the United States and Germany, the Netherlands, and France. However, Lemonade Pet Insurance is currently only available in 36 U.S. states.

You can contact Lemonade via the following:

Phone: 1 (844) 733-8666
Email: [email protected]

Lemonade was founded in April 2015 by Daniel Schreiber, Shai Wininger, and Ty Sagalow. The company is based in New York City. As of 2020, Lemonade has total assets of $828 million, earning $94 million in revenue in that year. Lemonade has scored top marks for customer service from J.D. Power and other major insurance ranking organizations based on customer satisfaction.

Lemonade is also a public benefit corporation. The company takes a flat fee upfront before paying claims. Then, they donate what’s left to meaningful causes, including animal welfare groups like Paws, Friends of Animals, and The Humane Society.

Final Word

Insurance startup Lemonade has launched pet insurance across the United States. Available in 36 states, Lemonade’s pet insurance covers unexpected emergency expenses, illnesses, preventative care, and other veterinary costs associated with owning a cat or dog.

To learn more about Lemonade’s pet insurance or get a free quote today, visit the official website at Lemonade.com.

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Disclaimer:

Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.