Lemonade pet insurance provides coverage at competitive prices, offering a basic accident and illness policy. Customers seeking additional protection can purchase add-ons for services like vet exam fees, dental illness treatments, and behavioral conditions.
The base policy includes coverage for hereditary conditions, cancer, diagnostics, dental accidents, prescription drugs, and hospitalization. It does not cover preexisting conditions, though some curable conditions may be covered after 12 months without symptoms.
Policyholders can choose from annual maximum limits ranging from $5,000 to $100,000, with deductible options of $100, $250, $500, or $750. Reimbursement rates are available at 70%, 80%, or 90%.
Waiting periods include two days for accident coverage, 14 days for illness coverage, and six months for cruciate ligament issues. Pets must be at least eight weeks old and no older than 14 years to qualify for a new policy.
Lemonade offers four wellness plan tiers: Routine Vet Care, Routine Vet Care Plus, Preventative+ Care, and Preventative Care for Puppies and Kittens. These plans cover various services like annual exams, vaccines, and wellness testing.
The company does not provide a 24/7 vet telehealth line but offers access to Chewy's Connect with a Vet service during business hours through its mobile app. Claims must be filed within 180 days, or 90 days for Texas residents, with reimbursement typically processed quickly.
Lemonade's mobile app has received high ratings, with 4.9 stars on the App Store and 4.0 stars on Google Play. The app allows users to manage policies, file claims, and check claim status.
Coverage is available in 40 states and Washington, D.C., including Alabama, California, Florida, New York, and Texas. A multi-pet discount of up to 10% applies in some states.
Policy changes can be made within 14 days of purchase or at renewal. Customers can contact Lemonade at (844) 733-8666 or [email protected] from Monday to Friday, 9 a.m. to 8 p.m. ET.