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Lemonade Review

Find out how this type of pet insurance works and the benefits of buying a policy for your pet in our ultimate review of Lemonade pet insurance for pet owners.
Lemonade Review
5/5

Pros:

  • Uses the a tech-driven platform to cut down on your monthly costs
  • Features lots of options to help you customize your policy and make it more affordable
  • Lets you access your account and get help from any device connected to the internet
  • Includes an optional wellness package that covers vaccines and checkups
  • Has a bundle option that covers both your home and pet for one low fee, and a multi-pet discount if you insure more than one pet

Cons:

  • Does not include coverage in all states
  • Does not currently include routine dental care or dental illness, but will be expanding these offerings soon

Lemonade offers many types of insurance and ranks as our top choice for those looking for pet insurance. The low monthly prices and custom options let you build a policy designed for your pet.

What is Lemonade Pet Insurance?

Lemonade first appeared on the market in 2016 with policies available for homeowners and renters. Since then the company expanded its coverage to include other types of insurance. As a pet insurer, Lemonade received hundreds of five-star reviews from pet parents who loved their plans. Lemonade now offers a policy that covers illness and accidents as well as some add-ons with extended coverage like the preventative and wellness package, which allows you to work with your veterinarian to keep your pet safe and healthy. Lemonade allows you to pick multiple plans and customize your pet’s coverage.

Features and Services

The features and services that you get will depend on the type of package that you choose. Lemonade offers an accident and illness package, which is its most popular option. This plan covers any medications that your pet gets during their appointment along with any prescriptions that the vet writes. The plan covers a host of diagnostic tests, including urinalysis, blood tests, lab work, ultrasounds, CAT scans, MRIs and x-rays. Most of the procedures that your pet might need in the case of an accident or illness also have coverage under this policy. This includes hospitalization, surgery, emergency care and outpatient appointments. You even have the option of visiting any emergency vet or clinic when needed.

Pet parents often choose this plan as a way to protect against the things that they cannot control. You might have a cat that drinks antifreeze a neighbor left sitting outside or a dog struck by a car in the middle of the road. The policy lets you seek help for an illness that pops up with no warning such as diarrhea or if your dog eats a plastic bag and becomes sick. It also covers conditions such as cancer and diabetes, if they occur after you purchase your policy.

Lemonade now offers a Preventative and Wellness package designed to keep your pet as healthy as possible. You get your annual wellness exams and a heartworm test along with fecal tests and tests for internal parasites such as tapeworms. As part of this package, Lemonade also covers up to three vaccines every year and an annual blood test.

There is also an Extended Accident and Illness package that offers more coverage. This covers fees your vet may charge for visits, and lets you seek reimbursement for alternative therapies that some plans won’t cover. Your pet may need physical therapy after a slip and fall before they feel comfortable walking again. The package also covers hydrotherapy, which can take pressure off your pet’s joints as they recover from an injury. When you sign up for Lemonade pet insurance, you have the option to add any of these packages to your basic policy.

Who is this for?

Lemonade is different from other pet insurers because it operates entirely online. You no longer need to call a number and spend hours on hold until someone answers. Once you become a customer, you simply open the mobile app to file a claim. You can file while standing in your front yard or in the lobby of the vet’s office. Lemonade accepts claims through their mobile app. As long as you have access to the internet, you can view your policy and make changes to it. Lemonade is also the best pet insurer for those who want an affordable plan.

How It Works

Signing up for Lemonade pet insurance is really easy, you can either visit the website and request a quote, or do it on their mobile app. Lemonade will ask a few questions about your pet, including whether you have a dog or a cat and their age. You need to share your pet’s age and breed if you know it. Other questions help you determine the type of policy that you want. You can adjust the deductible and coverage limits to change your monthly price. The Lemonade mobile app allows you to file a claim in mere minutes when your pet needs to see a vet.

Pricing

Lemonade Pet starts as low as $10 per month. This means that no matter how many changes you make to your pet’s policy, your monthly fee will never drop any lower. We recommend going through the free quote process as this will tell you exactly how much you will pay based on what you need. Plans for younger dogs often cost less than those for older dogs. For example, a 4-year-old Golden Retriever in Chicago, with 80% co-insurance, an annual limit of $20,000 and annual deductible of $250 would have a monthly premium of $34.83. If you want to pack the policy with maximum returns you can add the Preventative and Wellness and Extended Accident and Illness packages, update your coverage to 90% co-insurance, with an annual limit of $100,000 and annual deductible of $100, your monthly premium would be $83.25. 

The plans for cats are similar. In the case of a 5-year-old, Domestic Shorthair cat in New York City with 80% co-insurance, an annual limit of $20,000 and annual deductible of $250, you’d pay $17.42 a month. If you add both the Preventative and Wellness package and Extended Accident and Illness packages, and update your coverage to 90% co-insurance, with an annual limit of $100,000 and annual deductible of $100, you’d pay a monthly premium of $42.58. Keep in mind that if you have homeowners insurance through Lemonade, you’ll get a 10% discount for bundling your policies, and if you have more than one pet you’ll get a 5% multi-pet discount.

Customer Support

Lemonade doesn’t offer traditional customer service with long hold times. Anything you need is available on its website or app. To talk to a rep, you can click on the contact button, call, or email Lemonade for support, and the live chat option puts you in immediate contact with a CS representative.

Final Thoughts

When you search Google for pet insurance, you’ll find dozens of companies that promise they can provide the help that you need. Some of those companies are so expensive that you may find you need to cut back on other things just to get pet insurance. Lemonade doesn’t require that you make sacrifices because you can get a basic plan for as little as $10 per month. Your cost depends on the type of pet that you want to cover and their breed along with their age and where you live. The annual limit and deductibles that you choose as well as the packages that you want will also affect your total cost. Lemonade makes it easy to customize your plan and ensure that you can get help for your pet whenever you need it. For pet insurance that you can use at any time of the day and anywhere you go, Lemonade is the best.

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