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Most Affordable Pet Insurance

Pet insurance can be expensive. That’s why pet owners should shop around to find the most affordable option. Lemonade's insurance premiums are among the lowest in the industry, so you can keep costs low while ensuring your pet is covered. The company offers policies that pay toward accidents and injuries for the unexpected vet visit or preventative care to keep your furry friend healthy year round. Premiums start at just $10 per month depending on the breed and age of your pets, making this one of the best cheap pet insurance options.

Lemonade also aims for quick claims processing. You can use the app to submit claims and receive reimbursement in minutes, not weeks, according to the company. In large part, because Lemonade offers such low premiums and quick claims reimbursement, we selected it as one of the best pet insurance companies.

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Compare Pet Insurance Policies

Up to 90% Vet Bill Reimbursement

  • Unlimited reimbursement, use at any vet
  • Covers illnesses, conditions & accidents
  • Add on dental insurance & prescription coverage
  • Optional wellness plan for routine check-ups, grooming & training costs

24/7 Telehealth Helpline

  • 30-Day Money-Back Guarantee*
  • Up to 90% reimbursement on eligible vet bills
  • Multi-pet discount & access to 24/7 vet helpline
  • Visit any U.S. licensed veterinarian or specialist
  • *Subject to terms and conditions. 

No Breed or Upper Age Restrictions

  • No breed or upper age restrictions
  • 90% reimbursement rate, even for older pets
  • Dental illness and hereditary conditions covered at no extra cost
  • 10% discount for each additional pet you enroll

No Upper Age Limit on Enrollment

  • Save up to 90% off eligible vet bills
  • Accidents, illness & routine care
  • Easy online claims submissions
  • Wide range of plans & coverage options for your furry friend

Coverage for Pets of Any Age and Breed

  • 2023 Pet Insurance of the Year Award Winner
  • No Lifetime or Per Incident Limits
  • Most Claims Processed in 5 Days or Less
  • One of the Shortest Waiting Periods for Accident & Illness Coverage

Lemonade Pet Insurance Pros and Cons

  • Quick claims reimbursement
  • Tech-savvy claims process
  • Customizable policy options
  • Public benefit corporation
  • Not available in all states
  • May be price prohibitive for older pets
  • Can only adjust policies at renewal
  • Customer service complaints

Pros explained

Quick claims reimbursement

As with most other pet insurance companies, Lemonade policyholders pay the veterinarian for diagnostic tests and treatments at the time of their visit and submit a claim for reimbursement to the insurer. But where the reimbursement process can take up to 30 days with some companies, Lemonade promises quick claims processing, with most reimbursed in minutes.

Tech-savvy claims process

The Lemonade app is great for tech-savvy customers who want a phone-call free insurance experience. You can enroll, file claims and get reimbursed without making a phone call. Get insurance information and your claims processed in minutes with this app-based system.

Customizable policy options

You can easily customize your policy to meet your pet’s needs. From accident and illness plans to preventative packages, choose the amount of coverage you need and select add-ons like physical therapy coverage to complete your policy.

Public benefit corporation

Lemonade is a public benefit corporation and only takes a flat fee before paying out claims. The company then donates the profit left from premiums after paying out claims. As a customer you have a say in which nonprofit Lemonade donates to.

Cons explained

Not available in all states

Lemonade pet insurance isn’t available in the following states:

  • Alaska
  • Delaware
  • Hawaii
  • Idaho
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Minnesota
  • South Dakota
  • Vermont
  • West Virginia
  • Wyoming

May be price prohibitive for older pets

Prices for insurance increase with risk, so it makes sense that Lemonade pet insurance premiums increase with the age of your pet. But quotes for middle to senior-age dogs can get pricey, sometimes outweighing simply saving for health expenses and paying them out of pocket.

Policies can only be adjusted at renewal

If you want to make changes to your policy, such as adjusting your deductible or reimbursement level, you must wait until the annual renewal date. Your renewal date is 12 months after the first purchase. Otherwise, you can only make changes the first 14 days after purchasing the policy.

Customer service complaints

Lemonade receives a noticeable number of complaints regarding customer service reachability and helpfulness on sites such as the BBB.

Lemonade Pet Insurance Plans

Lemonade offers accident and injury insurance along with preventative care policies.

Accident and Illness

Lemonade’s accident and illness plan covers diagnostics and treatments of unexpected injuries and accidents in dogs and cats.

  • Annual Maximum: $5,000 to $100,000
  • Reimbursement Options: 70%, 80% or 90%
  • Deductible: $100, $250 or $500

Like other pet insurance companies, it covers the following services:

  • Blood tests
  • Urinalysis
  • X-rays
  • MRIs
  • CT scans
  • Hospitalizations
  • Surgeries
  • Prescription medications

Preventative and wellness

Lemonade has three preventative and wellness plans:

  • Preventative: This package covers annual wellness exams, fecal or internal parasite tests, heartworm screenings, blood tests and up to three vaccines per year. You’ll also have access to the medical advice chat via the Lemonade app for advice when you need it.
  • Preventative+: Along with what’s in the Preventative plan, Preventative+ includes coverage for flea, tick and heartworm medications and routine dental cleanings.
  • Puppy/Kitten Preventative: This plan is for young animals and covers spaying and neutering, microchipping, up to six vaccines or boosters and flea medication.

Optional add-on coverages

You can add optional riders to your policy:

  • Physical Therapy: Provides coverage for physical treatments like acupuncture and chiropractic care.
  • Vet Visit: Pay a small monthly fee to add coverage for vet visits for eligible accidents and illnesses.
  • Dental Illness: May cover tooth extractions, root canals and treatments for things like gingivitis and periodontal disease.
  • Behavioral Conditions: Provides coverage for vet-recommend therapy and medications for behavioral issues like aggression or anxiety.
  • End-of-life and Remembrance: Can assist with vet-recommended euthanasia, cremation and commemorative items.

Lemonade Pet Insurance Pricing

Lemonade wasn't part of our last pet insurance price survey. However, we found that in general, the company’s quotes were on the lower end when compared to policies with the same deductibles and reimbursement levels from other insurers.

Below is a snapshot of premiums you can expect from Lemonade based on quotes we requested for dogs and cats of various breeds and ages. When deciding how to buy pet insurance, consider that your pet's breed and age may affect your quotes.

Rate quotes are for a pet owner in Philadelphia, PA, and are based on a male pet with no pre-existing conditions. Your premiums may vary since, as with all insurers, premiums are based on your pet’s breed, age and location.

Sample monthly pricing for dogs

1 year old 5 years old 7 years old
Cocker Spaniel $28.11 $37.59 $54.13
Labrador Retriever $36.51 $48.94 $70.60
Pomeranian $25.65 $32.06 $45.13


Sample monthly pricing for cats

1 year old 5 years old 8 years old (60% reimbursement)
Domestic Shorthair $16.32 $17.40 $23.07
Maine Coon $18.12 $22.57 $31.64
Russian Blue $15.85 $15.85 $21.19



Lemonade offers the following discounts:

  • Bundling: Receive 10% off your premiums when you bundle pet insurance with a Lemonade homeowners, renters or car insurance policy.
  • Multiple Pet: Get 5% off when you enroll two or more pets on the same policy.
  • Annual Payment: Save 5% when you pay your premium annually rather than making monthly payments.

Lemonade Pet Insurance Financial Stability

Before you pick an insurer and sign your policy agreement, it’s best to determine if the company is financially stable. You can get this information by checking its financial strength from credit rating agencies like AM Best or Demotech.

Although Lemonade hasn’t been rated by AM Best, it does have an “A” (Excellent) rating from Demotech.

Lemonade Pet Insurance Accessibility

Lemonade, like other insurance companies, has a blog with informative educational articles about how to make the best use of your pet insurance policy. It also has an online quote tool you can use to estimate how much your insurance premium will be. However, it doesn’t have an online chat feature like many other companies, and its customer service team isn’t available 24/7; they’re only available during Lemonade’s business hours.


Lemonade’s policies are available in 37 states and the District of Columbia: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.

Contact information

Customer service is available by phone at 844-733-8666. You can also email them at help@lemonade.com.
The customer support department is open Monday through Friday from 9:00 a.m. until 8:00 p.m. EST. It isn’t available on the weekends.

User experience

Lemonade has a versatile app you can use to manage your account and submit claims. Claims submitted through the app are processed within minutes, the company says, so you could receive reimbursement before even leaving the veterinarian’s office.

Lemonade Pet Insurance Customer Satisfaction

When it comes to customer reviews, Lemonade pet insurance has a good reputation. On TrustPilot, it has a 4.3 out of five rating based on nearly 1,200 reviews, which is “excellent.”

Lemonade FAQ

Is Lemonade pet insurance good?

For each pet-loving family, how "good" a particular policy is will be subjective. But for owners who want a fast claims process and policies starting at just $10 per month, Lemonade is a good option.

How does Lemonade pet insurance work?

You select your insurance options, enroll in a policy and pay monthly or annual premiums for coverage.

If you need to take your pet to the vet for a covered treatment you'll pay all costs out of pocket. Then you'll submit the bill through the Lemonade app for reimbursement.

You're responsible for any deductibles and costs are reimbursable up to your policy limit. You choose your co-insurance value of 70%, 80% or 90%, and you'll be reimbursed up to this percentage.

What does Lemonade pet insurance cover?

Lemonade pet insurance covers accidents and illness, as well as preventative care.

Accident and illness policies cover: blood work, urinalysis, X-rays, MRIs, lab work, CT scans, ultrasounds, outpatient care, specialty and emergency care, hospitalization, surgery, injections and prescription meds.

Preventative care policies cover: wellness exams, fecal or internal parasite tests, heartworm tests, blood tests, up to three vaccines and medical advice chat. Opt for the Preventative+ Package to also cover flea/tick or heartworm medication and routine dental cleaning.

Does Lemonade pet insurance cover neutering?

Lemonade's preventative care package for puppies and kittens covers neutering.

What states does Lemonade pet insurance cover?

As of June 2023, Lemonade pet insurance is available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin and the District of Columbia.

Do Lemonade pet insurance premiums increase with age ?

Costs increase as risk goes up, so your premiums may become more expensive as your pets age.

How do you cancel Lemonade pet insurance?

You can cancel your Lemonade policy at any time through the app or by calling customer support. Waiting periods will reset and current conditions will be considered pre-existing if you purchase another policy in the future.

How We Evaluated Lemonade Pet Insurance

To evaluate Lemonade and its pet insurance policies, we considered the following factors:

  • Typical premiums
  • Plan options
  • Reimbursement amounts
  • Annual and lifetime caps
  • Policy exclusions and restrictions
  • Wellness benefits
  • Customer support
  • Customer reviews
  • Third-party ratings

Summary of Money’s Lemonade Pet Insurance Review

Lemonade pet insurance is only available in 37 states and the District of Columbia, and some older pets may be more expensive to insure. But customers with eligible pets that live where Lemonade writes policies can find competitively priced and customizable plans through the insurer.

Standout low prices make Lemonade especially attractive with premiums starting at just $10 per month. With customizable co-insurance rates and deductible amounts, you can design a plan that works for your furry family member.

Lemonade is a stand out among its competitors due to its rapid claims processing. While other companies can take as long as 30 days to process claims, Lemonade typically processes them in minutes. When you’re waiting for reimbursement for costly veterinarian bills, that’s a significant advantage.