Lemonade Pet Insurance Review (2024)

By Amanda Lutz Updated May 15, 2024

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Looking to enroll your furriest family member in a pet insurance plan? You may want to consider Lemonade, an insurer known for its tech-driven approach to customer service.

We dedicated hundreds of hours to researching pet insurance policies, consulting with experts, and scouring customer reviews to determine the top pet insurance companies. Use our Lemonade review to compare its coverage, quotes process, and pros and cons to decide if it’s the right choice for you.

Overview of Lemonade Pet Insurance


  • Has a unique charitable giveback program that donates unused premiums
  • Offers a short two-day waiting period for accidents
  • Provides several wellness plans for routine care


  • Doesn't cover behavioral therapy
  • Has limited state availability

Lemonade Plans, Coverage, and Exclusions

Take a look at Lemonade’s pet insurance plans to learn what’s covered and excluded by its policies.

Accidents and Illness

When your dog or cat gets injured or becomes ill, Lemonade’s accident and illness plan covers some of the following costs:

Some commonly covered conditions include general sickness, cancer, diabetes, arthritis, cuts, toxic ingestions, broken bones, and chronic conditions, like allergies.

Lemonade offers up to $100,000 of coverage annually and reimburses as much as 90% of covered claims.

Vet Visits

Some pet insurance companies cover vet visit exam fees in their standard policies, while others exclude it altogether. Lemonade offers this coverage as an inexpensive add-on, which you can select at checkout during the quote process.

Physical Therapy

If your pup takes an ambitious leap from the couch and injures its knee, Lemonade’s accident and illness plan will cover the cost to treat it. Lemonade does not, however, include physical therapy and alternative treatments in its basic policies. With this add-on, physical therapy —including treatments like acupuncture, chiropractic care, and hydrotherapy—is covered.

Dental Illness

While Lemonade’s standard accident and illness plan doesn’t cover dental care, you can purchase it as an affordable add-on. The dental illness rider covers gingivitis, root canals, extractions, and periodontal disease.

End-of-life and Remembrance

Similar to final expense life insurance for humans, this add-on helps offset the cost of euthanasia, cremation or burial, and commemorative items when your pet dies.

Preventative Care

Lemonade offers a variety of preventative care coverage options:


While Lemonade’s policies offer extensive protection for your pet’s health issues, they do come with a few exclusions, detailed below:

Lemonade Pet Insurance Cost

Lemonade uses its AI (artificial intelligence) platform to create a customized quote and policy to match your pet’s needs. To purchase a policy and see what monthly premiums you can expect, you’ll need to provide your address and a few details about your pet’s health. From there, Lemonade will provide you with a quote and offer you the option to adjust your coverage amounts and select add-ons.

Pet insurance costs are based on a handful of factors, including your location and your pet’s age, species, and breed. Lemonade strikes a balance by offering affordability without sacrificing the quality of its coverage or user experience.

What Other Pet Owners Say About Lemonade

During our analysis of Lemonade, we reviewed more than 100 customer reviews to gauge how policyholders feel about their coverage. We found that Lemonade has a relatively high level of customer satisfaction.

Positive customer reviews praised Lemonade’s prompt and straightforward claims process and its comprehensive coverage with routine care benefits. Some complaints centered around Lemonade’s denial of claims due to preexisting conditions, which is common across the pet insurance industry.

It’s also important to note that Lemonade is currently involved in a class-action lawsuit regarding its storage of biometric data, as policyholders are required to submit a brief video when filing a claim. We still confidently recommend Lemonade for its high customer satisfaction, streamlined user experience, quality coverage, and charitable initiatives.

See what customers have to say about the company in these Lemonade pet insurance reviews:

“Lemonade has been an incredible resource for our family. Our fur baby, Kona, was diagnosed with heartworm disease. The treatments are expensive, but Lemonade made it extremely easy to submit claims and we had the reimbursements in our bank account within days. The process is simple, and communications are quick and thorough. We highly recommend Lemonade to anyone.” —Camille S. via Trustpilot

“I was researching pet insurance prior to adopting my new pup Cooper. I came across Lemonade. I compared different companies, and I liked what Lemonade had to offer. They are very easy to deal with, simple to file a claim, reimbursements are quick. My friend now uses them and is happy with them as well.” —Jacqueline O. via Trustpilot

“I wish there was more human contact. I did get a human claims adjuster, and my claim was paid. So far so good.” —Julie R. via Trustpilot

“Their customer service is always stellar. But their pet policies are lacking. They told me they’re working on expanding the coverage for puppies. But as of now, what they cover and what is required to keep your puppies healthy are not on the same page.” —Suz M. via Trustpilot

Our Recommendation

Lemonade is one of our top recommendations for pet health insurance, scoring high in our review of the nation’s best pet insurance companies. It’s an ideal pick for pet parents looking for easy policy management with a straightforward mobile app and online resources.

While Lemonade has millions of policyholders, it isn’t the right fit for everyone. To ensure your four-legged friend gets the coverage they need, we recommend comparing quotes from at least three pet insurance providers before purchasing a policy.

Lemonade Pet Insurance FAQ

Does Lemonade cover all vets?

Lemonade covers treatments from all licensed vets in the United States.

Who is the underwriter for Lemonade Pet Insurance?

Lemonade Insurance Agency, LLC underwrites Lemonade pet insurance. The agency also underwriters auto, life, homeowners, and renters insurance.

Does Lemonade cover microchipping?

Lemonade’s standard accident and illness plan does not cover microchipping, but its preventative care plans for puppies and kittens do.

What is Lemonade Giveback?

Giveback is Lemonade’s charitable initiative that donates your unused premiums to a charity of your choice each year after taking a flat rate for overhead costs. Lemonade donated more than $2.3 million to organizations in need in 2021 with its unique business model.

How We Chose the Top Pet Insurance Providers

Our team researched and reviewed more than a dozen pet insurance companies, analyzing customer reviews, comparing policies, and consulting with industry experts.

In our exhaustive review, we honed in on the following factors: