Lemonade Pet Insurance Coverage Guide (2023)

Though headquartered in New York, Lemonade is the first provider on the pet insurance market to support a fully digital business model, providing a hassle-free enrollment experience, fast claims, and convenient plan management features all through its mobile app.  

Lemonade offers one robust accident-illness policy with workable coverage options, all at competitively low monthly premiums. Still, it doesn’t cover everything. 

In this Lemonade pet insurance coverage guide, we’ve consolidated its policy terms into one abbreviated overview so you can know what to expect from Lemonade regarding:

  • Annual coverage limits, deductibles, and reimbursement rates
  • Waiting periods
  • Standard inclusions and exclusions
  • Optional wellness plans and coverage add-ons

Remember, this article is only intended to briefly outline Lemonade’s coverage scope. Check out our full Lemonade pet insurance review for a more detailed evaluation of this provider. 

Lemonade Pet Insurance Coverage

Even though Lemonade doesn’t offer an accident-only plan, pet owners will still be able to customize their coverage between three annual deductible choices, five payout limits, and three reimbursement rates. 

Once you’ve enrolled your pet in a Lemonade policy, you’ll have to abide by three different waiting periods, depending on the type of coverage you need, before you can file a claim:

  • Two days for accidents
  • Six months for orthopedic conditions like hip dysplasia and cruciate ligament injuries
  • 14 days for illnesses

Coverage Overview

Like any other pet insurance provider, Lemonade has a few limitations of its own. We’ve listed a few examples of common pet health conditions and veterinary services in the chart below based on whether or not they’d be reimbursed by Lemonade’s standard accident/illness coverage:

Treatment

Yes

No

Sometimes

Diagnostics

  •      

Dental Illnesses

  •      

Pre-existing conditions

  •       

Allergies

           

Broken bones

Cancer

Alternative Therapies

                   

What Does Lemonade Pet Insurance Cover?

Lemonade’s freestanding base plan is designed to cover treatment costs related to a wide range of injuries, illnesses, and emergency veterinary care, including:

Broken Bones

Bone breaks in pets most commonly occur as a result of a more severe accident like getting hit by a vehicle (which Lemonade covers as well), but puppies, kittens, and older pets may be susceptible to broken bones and fractures due to more casual incidents because of their fragile frames. A clean break will require surgery for realignment and stabilization, which on average costs between $500 and $1,000, but Lemonade can cover up to 90% of those expenses. 

Diagnostics

As long as it relates to a covered accident or illness, Lemonade will reimburse pet owners for a portion of the cost of emergency diagnostics including, X-rays, MRIs, CT scans, ultrasounds, blood tests, and other lab work. Routine diagnostics like fecal exams or heartworm tests aren’t covered under Lemonade’s standard base plan but are included in any of the optional wellness plans. 

Allergies

Allergies in pets can be a lot more than itchy eyes and a runny nose. Dogs and cats often suffer from serious skin allergies, food sensitivities, and environmental allergens. Chronic ear infections, vomiting, diarrhea, hives, and swelling are all common symptoms of an allergic reaction. And in more severe cases, anaphylaxis is a life-threatening possibility. As long as your pet’s allergies aren’t pre-existing, Lemonade covers intradermal skin testing, diagnostic blood work, and RAST testing, as well as allergy medicines like Apoquel and Cytopoint. 

Cancer

One in four pets will be diagnosed with cancer in their lifetimes. Without pet health insurance, the average cancer treatment regimen will cost at least $10,000 out of pocket. With a Lemonade accident/illness policy, pet parents will be covered for full-scale cancer management, including biopsies, cytology, medical imaging, and more. Treatment-wise, Lemonade will reimburse policyholders for surgeries, radiation therapy, chemotherapy, and prescription pain medication.

What Does Lemonade Pet Insurance NOT Cover?

No pet insurance companies, including Lemonade, cover pre-existing conditions. Lemonade is not liable to cover injuries, illnesses, and other health issues that appear on your pet’s medical record before it’s enrolled in a pet insurance policy.

Lemonade also has age limits on its initial enrollment eligibility, disqualifying cats and dogs aged 14 years or older from coverage. 

Lemonade’s standard pet insurance plan also won’t cover:

Dental Illness

Lemonade will cover dental procedures that relate accidental injuries to your pet’s teeth, but it won’t cover treatments for dental illnesses like periodontal disease, gingivitis, stomatitis, resorptive lesions, dental epulis, etc. 

Experimental Treatments

Lemonade won’t cover experimental, investigational, or holistic treatment approaches that are outside of the standard veterinary care accepted by your state’s veterinary board. This exclusion clause primarily pertains to the use of things like CBD, herbal remedies, aromatherapy, etc., that don’t yet have enough supporting evidence in veterinary medicine to be deemed effective. 

Alternative therapies like physical therapy, hydrotherapy, chiropractic care, acupuncture, etc., aren’t covered under standard Lemonade coverage but are available in elective packages. 

Behavioral Therapy or Training 

Lemonade doesn’t offer any behavioral training or therapy coverage. We understand that behavioral issues like separation anxiety, destructive tendencies, and aggression are common among dogs and cats; however, Lemonade doesn’t classify recurring behavioral disorders as unexpected accidents or illnesses. 

What Coverage Add-ons Are Available With Lemonade?

Lemonade currently offers two wellness add-ons for adult pets and one for pets under the age of two, in addition to physical therapy and vet visit fee riders. Here’s what’s included in each wellness tier, as well as what they’ll cost you:

Basic Preventative

This is Lemonade’s primary routine care package, which costs $15+ per month for dogs and $10+ for cats. By adding this wellness plan to your policy, your pet will be covered for:

  • One blood test
  • One heartworm test 
  • One fecal test/internal parasite test
  • One annual wellness exam
  • Up to three routine vaccines
  • Medical advice chat line

Preventative Plus 

As Lemonade’s most comprehensive preventative care plan for pets over the age of two, Preventative Plus coverage costs an additional $17+ per month for dogs and $12+ per month for cats. Policyholders who select this package will be covered for:

  • One blood test
  • One heartworm test 
  • One fecal test/internal parasite test
  • One annual wellness exam
  • Up to three routine vaccines
  • Medical advice chat line
  • Flea/tick or heartworm medication
  • Routine dental cleanings

Puppy/Kitten Preventative

Lemonade offers thorough wellness coverage for dogs and cats under the age of two, primarily designed to help pet parents finance first-year vet bills. Coverage for puppies will cost $40+ per month as opposed to $34+ for kittens. It will reimburse qualifying Lemonade customers for:

  • One blood test
  • One heartworm test 
  • Two fecal tests/internal parasite test
  • Two annual wellness exams
  • Up to six routine vaccines
  • Medical advice chat line
  • Routine dental cleaning
  • Microchipping
  • Spaying or neutering

Other Add-ons

Lemonade policyholders also have access to two stand-alone coverage riders — one for exam fees and one for physical therapy. These add-ons will cost an extra $1 to $3 per month. 

Final Thoughts

Lemonade pet insurance coverage is a bona fide option for a pet owner looking to insure their dog or cat in a comprehensive and cost-effective accident/illness plan for emergency care expenses, alongside the option to maximize their policy with elective preventative care coverage. And, because Lemonade also offers homeowners and renters insurance, pet parents can save an additional 10% on their premiums when they bundle their pet insurance with another Lemonade policy.