The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Adv Disclosure

We aim to provide valuable content and useful comparison features to our visitors through our free online resource. It's important to note that we receive advertising compensation from companies featured on our site, which influences the positioning and order in which brands (and/or their products) are displayed, as well as the assigned score. Please be aware that the inclusion of company listings on this page doesn't imply endorsement. We don't feature all providers available in the market. Any information presented on this page, including pricing, is subject to change without notice. We want to emphasize that we disclaim all representations and warranties concerning the accuracy of the information provided on this site, unless otherwise explicitly stated in our Terms of Use

All Pets Dog Cat Wellness Reviews Articles

Outstanding

Check Rates

Lemonade Pet Insurance Review

In a nutshell: Lemonade pet insurance provides tech-driven, simple, jargon-free policies accessible through its app. It offers low monthly premiums & customizable packages and is famous for its super-fast, hassle-free claims payment. You can pay for emergency medical coverage as well as purchase optional wellness plans and routine exams to keep your pet healthy.

Lemonade Pet Insurance Review

Overview

Shopping around for pet insurance and not sure which one to go with? Lemonade Pet Insurance provides tech-driven, simple, jargon-free policies accessible through their smartphone app. Customers love this provider for its low monthly premiums, customizable packages, and famous super-fast, hassle-free claims payment. You can pay for emergency medical coverage for your dog or cat as well as purchase optional coverage for wellness and routine exams to keep your pet healthy.

Lemonade offers a live chat with medical professionals via their app, so you can talk to a vet whenever you have any questions or concerns. Procedures related to accidents and illnesses are covered by Lemonade and they also offer comprehensive preventative care as well.

In business since 2015, Lemonade provides a range of insurance products, including rental, homeowners, condo, and pet insurance. The pet insurance policies start at a very low rate of $10 per month. Those who have homeowners insurance with Lemonade also receive an additional 10% discount on pet insurance.

Lemonade has fairly comprehensive coverage, but keep in mind that you’ll need to pay extra to cover routine vet bills, such as vaccines, which is standard practice in the industry. Policies also exclude microchipping, behavioral treatment, end-of-life expenses, as well as very old pets.

Lemonade is America's top-rated insurance and has high ratings on app marketplaces and consumer rating sites. They have also been mentioned in Fortune, The Wall Street Journal, Forbes, and The Economist. Lemonade pet insurance already has a solid reputation among consumers. But does this option make it the right choice for you and your pet? Find out in this Lemonade pet insurance review to find out what real customers have to say.

Community Involvement

Many people debate the point of purchasing pet insurance. After all, monthly premiums can get expensive. Plus, if your pet doesn’t have any health issues, you could end up paying a lot upfront and never really receive anything for your money.

Lemonade Pet Insurance takes a different approach with its Giveback feature. They don’t aim to make a profit off of unused premium payments. If you do not use all the money you pay into your insurance by filing claims, Lemonade donates the leftover money to a charity you pick when you sign up. This aligns with their mission that they are there to help their customers while also making the world a better place. Charities within their network include The Humane Society and other animal-related programs.

Policies

Lemonade pet insurance coverage includes:

Diagnostics: Blood tests, urinalysis, x-rays, MRIs, lab work, CT scans, and ultrasounds
Procedures: Outpatient, specialty and emergency care, hospitalization, and surgery
Medication: Injections and prescription meds
Accidents: Unexpected events such as road accidents or poisonings that result in injury, sickness, broken bones, and sprains
Illness: Vomiting, diarrhea, infections, cancer, heart disease, diabetes, allergies, arthritis, skin conditions, elbow & hip dysplasia, hernias, blood, and eye disorders

The basic plan includes emergency treatments for illnesses, medications, and procedures. You can also purchase the optional wellness package to cover routine vet care such as:

Wellness exam
Heartworm test
Fecal tests
Bloodwork
Vaccines (Includes up to 3 vaccines such as Rabies, DHLPP, and Bordetella)

You can handle claims and all account information from their app, available for iOS and Android devices. In most cases, you’ll just need to provide the vet invoice to process the claim. Waiting periods (after enrollment) for injuries are 2 days and 14 days for illnesses.

Limitations

Coverage does not include services like microchipping, behavioral treatment, and end-of-life expenses. Like other pet insurance providers, the company does not cover curable pre-existing conditions. Make sure to have your dog or cat receive a wellness exam prior to signing up so you know what is covered.

Lemonade does not have a maximum enrollment age, but certain breeds (especially large dogs) may be denied if they’re too old at signup, which is common practice in the pet insurance industry.

Keep in mind that Lemonade is available in almost all major markets, but is not available in all 50 states. Their coverage includes Alabama, Arizona, Arkansas, California, Connecticut, District of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, 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, and Wisconsin. If you don’t see your state, check back with Lemonade, as they will add new coverage areas soon.

Cost

For a free quote, visit the Lemonade website. Lemonade pet insurance requires a minimum $10 monthly premium. You also benefit from a 10% discount if you also insure your home through Lemonade. Monthly premiums depend on factors such as your reimbursement level, deductible, and max annual payout.

Costs increase according to your pet’s age, typically averaging around $25 - $50. Policy annual payouts range between $5,000 up to $100,000. Wellness visits can be covered with a preventative package, the amount depends on a policy’s co-insurance percentage.

Sample Coverage for a 2-year-old dog

$22.33 a month (no wellness coverage)
80% Reimbursement
$100 deductible
Max annual payout of $20,000

Customer Support

Lemonade is able to handle a large portion of support using their chatbot, Maya, but if you have any questions, you can always reach Lemonade's award-winning support by filling in an online contact form through the website or phone number. To handle claims, you can submit everything through their mobile app. Stay up to date by following Lemonade on their social media pages. The insurer has active accounts on Facebook, Twitter, YouTube, and Instagram.

When you upgrade to the Wellness Package add-on, you also benefit from exam reminders. In addition, you get access to vets, available for online consultations via live chat.

So what do real customers have to say in their review of Lemonade pet insurance?

Had an awesome experience within the last 12 months with @Lemonade_Inc. Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. Just love these guys on how simple they make life.

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI.

Not all the Lemonade reviews are perfect, however. You may come across customer complaints, including issues with claims and difficulty reaching customer support. In addition, Lemonade is a relative newcomer to the pet insurance industry, which may convince customers to go for a different company.

Pros

Starting at just $10/month
Donates to animal charities
Affordable premiums

Cons

Age Limitations
Pre-existing conditions not covered

Our Top 3 Picks

Spot

Lemonade

Embrace

Fee Structure Variety

9.0

Broad range of deductible options and reimbursement levels. Includes several premium structures and flexible plans

Payout Speed

9.0

Claims are processed and paid out extremely quickly, typically within 1-2 business days.

Integration Capabilities

9.0

Extensive integration capabilities with a wide range of veterinary systems, mobile apps, and digital platforms

Security measures

Advanced security measures including end-to-end encryption, multi-factor authentication, audits, and real-time threat monitoring

Customer support

9.0

24/7 customer support via multiple channels including phone, email, live chat, and social media

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

Outstanding

Check Rates

Don't Sell My Personal Information

About Us

Advertisement Disclosure

This website was created with the aim of helping online users make informed choices. It offers a wide range of information about different products and services. The specific details provided, such as prices and exclusive offers, are directly sourced from our partners and are subject to change without prior notice. Although our content is thoroughly researched, it is essential to understand that the information provided does not constitute legal or professional advice or predictions, and should not be treated as such. Our fundamental principle is to assist consumers in making well-informed decisions online.

Insurance services are offered through Better Impression, Inc.
Licenses

Founded to help consumers make educated online decisions, www.toppetinsuranceplans.com