Lemonade is one of the biggest insurers that sell pet insurance for dogs and cats. These insurance policies can cover the costs, diagnostics, and treatment for illnesses and accidents such as diabetes and cancer. When Lemonade wants to set premiums for your pet insurance policy, it considers several factors, such as the pet’s age, breed, and location. Any extra policy you choose during enrollment will also have an impact on the premium.
Lemonade offers lots of discounts to its policyholders. It also provides optional wellness coverage. The pet insurance policy add-ons are also available to cover physical therapy, behavioral conditions, dental illnesses, and burial and remembrance costs. Read to the very end to learn more about Lemonade pet insurance and what it covers.
Lemonade Pet Insurance Plans
Lemonade provides one accident-and-illness plan for cats and dogs. It covers expenses, such as
- Blood tests
- CT scans
- Ultrasounds
- outpatient procedures
- specialty and emergency care
- Hospitalization and surgery
- Injections and prescription medications may also be included.
However, pre-existing conditions, dental care, and elective surgeries are not covered. The waiting periods are two days for accidents, fourteen days for illnesses, and six months for critical ligament problems.
Lemonade also provides optional wellness coverage as additional coverage for costs related to annual exams, bloodwork, and vaccines, starting the day after you buy the policy. For more extensive coverage, you can get the Extended Accident and Illness package. This adds reimbursement for things like physical therapy, acupuncture, and hydrotherapy, and also covers vet visit fees for accidents and illnesses.
Lemonade Pet Insurance Provides Additional Coverage
Lemonade offers three optional wellness plans for pet owners to cover preventive care expenses.
The Preventative Package and Preventative+ Package are various wellness tests and procedures, like condition testing, annual exams, vaccinations, and dental cleanings. The Puppy/Kitten Preventative Package is designed for young pets, covering tests and procedures like spaying, neutering, and microchipping.
Beyond wellness coverage, Lemonade provides other add-ons. These include physical therapy, vet visit fee coverage, dental illness coverage, behavioral condition coverage, and end-of-life expenses.
What Does Lemonade Pet Insurance Not Cover?
Just like other insurers’s policies, lemonade does not cover all of the expenses. Some of these insurer coverage exclusions are:
- Pre-existing conditions
- Dental care
- Illnesses or injuries from neglecting
- Elective surgeries that are not due to injuries or illness
Keep in mind that if you decide not to buy an extra package, you won’t be covered for things like wellness visits and examination fees.
How much does Lemonade Pet Insurance Cost?
Lemonade’s sample rate for insuring a dog is $31.01 per month, and for a cat, it’s $16.63 per month. These rates are based on a sample policy for a large 1-year-old female mixed-breed dog in Texas and a domestic medium-hair cat under 1 year old, both in excellent health.
This pet insurer will set premiums depending on your pet’s breed, age, and chosen optional coverages. You can customize your premiums by adjusting the deductible, reimbursement rate (70%, 80%, or 90%), and annual benefit limit, which ranges from $5,000 to $100,000.
How can I Purchase a Lemonade Pet Insurance Plan?
To get a pet insurance quote and purchase a plan from this insurer, you will have to visit their website or mobile app. First of all, enter your personal details, pet information, zip code, and contact information in the online quote form.
Also, know that this insurer makes use of an AI chatbot named Maya to make the process more engaging and fun. Maya will ask you questions, and the answers you provide will be used to suggest the best policy. After answering her questions, you’ll get a quote that matches your budget and plan.
Next, choose your deductible, reimbursement rate, annual limit, and any add-ons like exam fee reimbursement, dental cleanings, physical therapy, or end-of-life care.
Lemonade requires a “nose-to-tail” vet exam over the past 12 months. You can submit these medical records when you sign up or within 14 days of enrolling.
Where is Lemonade Pet Insurance Available?
Keep in mind that this pet insurance plan is not available in all states. Currently, it offers pet policies in the below states.
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- District of Columbia
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Maryland
- Massachusett
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahom
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
This insurer also sells other insurance policies in addition to pet insurance. These policies include cars, homeowners, life, and renters. The availability of these policies depends on the states. So, you will have to check the insurer’s website to find out about the coverage available in your location.