Our Ultimate Verdict
We give Lemonade Pet Insurance coverage a score of 4.8 out of 5 stars.
Lemonade is likely one of the most well-known pet insurance coverage corporations because of their viral promoting campaigns. Additionally they occur to be one of the reasonably priced choices on the market.
This firm presents a easy base plan that covers accidents and sickness. On high of this, you’ll be able to select from a number of routine care packages and 5 add-on choices to cowl every little thing from workplace visits to acupuncture. This on high of Lemonade’s many customizable options throughout the base coverage makes them one of the versatile pet insurance coverage choices on the market.
Lemonade Pet Insurance coverage Evaluate
Execs
- One of many most cost-effective choices
- Fast enrollment course of
- Have many add-on choices
- 2-day accident ready interval
- In some states there is no such thing as a accident ready interval
- Bundling reductions accessible
Cons
- Broad definition of pre-existing circumstances
- Age restrictions on enrollment
- Requires current vet examination
About Lemonade
Lemonade pet insurance coverage is made for pet homeowners who know the place they have a tendency to spend their cash probably the most with regards to their pet’s care. Like most pet insurance coverage choices, this one covers accidents and diseases. But it surely additionally presents further protection choices for all the opposite vet-related bills pet homeowners expertise.
When you’ve got a younger kitten who has simply joined your loved ones, as an illustration, you could need to add on Lemonade’s Kitten Preventative Care protection. This non-compulsory plan covers bills like checkups, vaccines, and spays/neuters.
However, if in case you have a 2-year-old kitty, you could need to add the Dental Sickness plan or Bodily Remedy choice. The previous covers remedies for dental illness whereas the latter covers chiropractic and acupuncture therapy associated to accidents and diseases.
Like most different pet insurances, Lemonade doesn’t cowl preexisting circumstances. Additionally they have some age restrictions that fluctuate by breed and species.
On the plus aspect, this insurance coverage is impressively reasonably priced and broadly accessible. The one states they don’t serve are Alaska, Delaware, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, and Wyoming.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Value Comparability
| Firm | Pattern Month-to-month Value For Canine | Pattern Month-to-month Value For Cats | Study Extra |
| Lemonade | $19.44 | $11.00 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Coverage
Lemonade’s base coverage consists of protection for diagnostics, procedures, and drugs associated to new sickness and damage.
You possibly can count on routine and emergency exams to be coated, together with urinalyses, blood work, fecals, x-rays, and scans. In case your cat wants procedures similar to emergency surgical procedure, hospitalization, or outpatient care, these will likely be coated as properly. Prescription drugs and injections are additionally coated underneath the bottom coverage.
Principally, this coverage covers accidents and sickness and something related to them. It doesn’t cowl routine care, vaccines, behavioral care, or bodily remedy. It additionally doesn’t cowl pre-existing circumstances, even when they result in emergency care or sickness.
Customizations
In order for you further care protection to your kitty past accidents and diseases, you’ll be able to add customizable plans. Right here, Lemonade presents many various add-on choices.
The instance costs beneath of those add-ons are based mostly on a 3-year-old home shorthair in Chicago. Costs might range relying on the age, breed, and site of your cat.
Vet Go to Charges
You possibly can decide so as to add on vet go to protection. This add-on prices about $4.70 monthly.
This add-on helps pay for the vet go to itself when your cat has an emergency or will get sick. It covers bodily exams, workplace visits, emergency room visits, and extra check-ups.
This add-on doesn’t cowl routine vet visits or the care related to them. It solely covers permitted bills as much as the annual restrict dictated by your base plan.
Dental Sickness
The dental sickness add-on covers emergency dental care and dental illness care. This can be a little bit of a pricier add-on at about $13 monthly.
This selection covers dental diagnostics, crowns, extractions, root canals, and different dental surgical procedures associated to dental diseases like gingivitis and periodontal illness. It doesn’t cowl routine dental cleanings, although one other add-on choice from Lemonade does.
This protection maxes out at $1,000 per 12 months. It’s value noting that cat dental surgical procedure in lots of areas averages over $1,000 if extractions and different procedures are required.
Behavioral Situations
For about $3.50 monthly, you’ll be able to add conduct situation protection to your plan.
This add-on covers diagnostics, remedy classes, and drugs for behavioral points. It doesn’t cowl coaching classes or obedience courses, nevertheless. It additionally doesn’t cowl pre-existing behavioral circumstances.
This add-on has a yearly most of $1,000.
Bodily Remedy
One other add-on value contemplating is Lemonade’s bodily remedy plan, which prices about $1.30 for many cats.
This selection covers bodily remedy classes, acupuncture, chiropractic care, laser remedy, and extra. This protection kicks in after your vet recommends bodily remedy for an damage or sickness.
The utmost protection for this one is identical as the utmost to your base coverage.
Finish of Life and Remembrance
This prices, on common, between $2.50 and $5, relying on the age and dimension of your cat.
This add-on covers the price of euthanasia, cremation, and a few remembrance objects.
There is no such thing as a deductible for this add-on. It’s going to cowl as much as 100% of prices as much as $500.
Preventative Care
In order for you protection for routine vet care, you’ll be able to add considered one of three preventative care plans to your coverage.
The usual Preventative Plan covers the commonest care wanted for grownup cats. Per 12 months, this consists of:
- 1 wellness examination
- 1 parasite take a look at
- 3 vaccines
- 1 heartworm or FeLV take a look at
These plans begin at round $11 monthly for cats and include single-item maximums for every service coated. For example, the wellness examination reimbursement maxes out at $50 whereas the parasite take a look at maxes out at $35 based mostly on x% coinsurance.
Preventative Care Plus
For a further value, you’ll be able to improve to the Preventative Care Plus plan which presents all the above protection plus a few further objects.
With this add-on, you’ll additionally stand up to $65 again for flea, tick, and heartworm drugs. You’ll additionally stand up to $150 to cowl dental cleanings.
The Plus plan, on common, prices about $10 greater than the usual plan.
Kitten Preventative Care Plus
When you’ve got a younger kitty at residence, you could need to take into account including the Kitten Preventative Plan to your coverage.
This add-on covers every little thing that the fundamental plan does plus one further vet go to and three further vaccines. It additionally covers as much as $65 in flea, tick, and heartworm drugs. Most significantly, it covers as much as $120 towards a spay or neuter and as much as $40 for a microchip.
The price of this add-on sometimes begins round $38 monthly.
Lemonade Worth Comparability for Cats
| Home Shorthair | Siamese | |
| Male or Feminine | Male | Feminine |
| Age | 1 | 7 |
| Location | Colorado | California |
| Reimbursement Degree | 70% | 90% |
| Annual Deductible | $750 | $100 |
| Annual Max | $5,000 | $20,000 |
| Worth monthly | $11 | $55.86 |
| Breed Title | Below 1 | 5 Years Outdated |
| Home Lengthy Hair | $11.51 | $13.69 |
| Bengal | $12.28 | $15.47 |
| Himalayan | $12.47 | $14.84 |
Deductibles & Claims
Lemonade presents some ways to customise your base coverage to tailor it to your wants.
For the deductible, you’ll be able to select between 4 choices:
You too can customise how a lot of the fee Lemonade covers. The upper the share, the upper the premiums. Right here, you could have three selections:
Lastly, you’ll be able to select your annual protection most. Your coverage will solely reimburse prices as much as this quantity per 12 months. Lemonade presents 5 selections right here:
- $5,000
- $10,000
- $20,000
- $50,000
- $100,000
What Does Lemonade Cowl?
The bottom accident and sickness plan from Lemonade covers diagnostics, procedures, and drugs associated to new accidents, sickness, and accidents.
For example, in case your cat have been to be hit by a automotive, the plan would cowl any blood exams, surgical procedures, drugs, injections, hospitalizations, and aftercare they want. What the plan wouldn’t cowl is the price of the emergency room go to or workplace go to.
Equally, in case your cat began throwing up unexpectedly, your plan would cowl the diagnostic to find out what was flawed, saline administration, anti-nausea meds, and some other therapy they wanted to get well. Once more, the workplace go to itself wouldn’t be coated.
Protection kicks in after your annual deductible is met and prices are reimbursed on the share your plan covers. When you hit your plan most for the 12 months, you’ll obtain no extra reimbursements for the 12 months.
| Protection Merchandise | Annual Restrict |
| Surgical procedure | 5,000 to 100,000 (is determined by plan max) |
| Emergency Blood Work | 5,000 to 100,000 (is determined by plan max) |
| Prescription Drugs | 5,000 to 100,000 (is determined by plan max) |
| Wellness Examination | $50 (based mostly on 80% co-insurance) with Preventative Care Package deal |
| Heartworm Remedy | $65 (based mostly on 80% co-insurance) with Preventative Care+ Package deal |
| Routine Fecal Take a look at | $35 (based mostly on 80% co-insurance) with Preventative Care Package deal |
Coated
- Damaged bones, sprains, fractures, elbow and hip dysplasia.
- Poisoning, toxicity
- Chunk wounds, lacerations,
- Allergic reactions, diabetes, most cancers
- Bloodwork, ultrasounds, diagnostic urinalysis, diagnostic fecals, X-rays, MRIs, CT scans
- Hospitalizations, outpatient care, emergency care
- Injections, prescription drugs
Not Coated
- Pre-existing circumstances
- Elective surgical procedures
- Non-traditional therapies
- Dental points and cleanings (protection accessible with add-ons)
- Vet visits charges associated to accidents or diseases (protection accessible with add-ons)
- Wellness visits, vaccines, routine diagnostics (protection accessible with add-ons)
- Spay and neutering (protection accessible with add-ons)
- Microchips (protection accessible with add-ons)
- Bodily remedy (protection accessible with add-ons)
- Habits therapies or behavioral drugs (protection accessible with add-ons)
- Flea, tick, or heartworm meds (protection accessible with add-ons)
Pre-Current Situations
Like most pet insurance coverage insurance policies, Lemonade doesn’t cowl medical points which can be thought of pre-existing circumstances. This time period is utilized to a wider vary of circumstances within the pet insurance coverage world than it’s within the human healthcare world.
Any damage, sickness, signal, symptom, or situation that has been handled by your vet earlier than has the potential to be labeled a pre-existing situation. This may apply to one thing as easy as diarrhea or as pricey as emergency bowel surgical procedure.
For example, in case your cat has been handled for an ear an infection up to now, it’s thought of a pre-existing situation even when it has totally healed and gone away. In case your cat will get one other ear an infection, it will not be coated.
The caveat right here is that circumstances deemed “curable,” similar to ear infections and parasites could also be coated by Lemonade so long as your cat has gone over 12 months with out signs.
Ready Durations
Lemonade has among the shortest ready intervals within the pet insurance coverage world.
After signing up to your coverage, you solely want to attend 2 days earlier than your cat is roofed for accident claims. You could wait 14 days earlier than they’ll be coated for damage claims. And it’s important to wait the industry-standard six months earlier than they’ll be coated for cruciate ligaments. Relying on the place you reside, your ready intervals may very well be shorter.
Critiques from Prospects
General, most prospects who use Lemonade are pleased with the service and outcomes they see.
In comparison with different pet insurance coverage corporations, this one has one of many quickest approval and enrollment processes. They use on-line underwriting expertise that saves money and time in comparison with conventional guide underwriting. This implies sooner outcomes for you in addition to decrease costs throughout the board.
Their customer support can be very tech-based, together with AI instruments and a distant staff. This implies sooner solutions but additionally that it may take longer to talk to an precise individual.
Most prospects are very glad with the pace with which their claims are processed and their reimbursements are made. Additionally they word how reasonably priced this feature is in comparison with different pet insurance coverage insurance policies.
On the draw back, some prospects have been shocked by which circumstances Lemonade labels preexisting. Many additionally word their disappointment that the vet visits themselves, even for sickness and accidents, usually are not coated.
Steadily Requested Questions (FAQ)
Are there age limits for enrolling in Lemonade?
Sure, Lemonade does have pet age limits for protection. They won’t cowl pets underneath 8 weeks outdated. Additionally they won’t cowl pets above a sure age, however this varies by breed.
How quickly can I take advantage of my Lemonade insurance coverage?
You can begin utilizing Lemonade for accidents 2 days after enrolling. For sickness, the ready interval is 14 days. In case you opted for a preventative package deal, you need to use these advantages as quickly because the date your coverage turns into efficient. Relying on the place you reside, your coverage may have completely different ready intervals. In case your pet is already harm or unwell earlier than you enroll, insurance coverage won’t cowl their therapy.
How lengthy does it take for a declare to be paid out?
Round 50% of claims are dealt with immediately, nevertheless some claims might take a median of 12 and 18 days to be processed. The primary declare usually takes longer whereas subsequent easy claims sometimes take lower than every week. Precise reimbursement time will be dependent in your financial institution.
Does my pet want a prognosis to have a preexisting situation?
No, preexisting circumstances don’t require a proper prognosis. Lemonade and different pet insurance coverage corporations take into account any sickness, damage, signal, symptom, or situation that has been handled earlier than a preexisting situation. Even points that got here with no formal prognosis will not be coated in the event that they happen after the insurance coverage coverage is signed.
Our Verdict
In case you’re on the lookout for an reasonably priced, extremely customizable pet insurance coverage choice to your kitty, Lemonade is value a glance.
This is likely one of the most cost-effective pet insurance coverage choices on the market. Additionally they supply a number of add-on choices that will help you lower your expenses the place you spend it most. Along with the bottom coverage that covers diseases and accidents, you’ll be able to go for vet visits, preventative care, dental, behavioral, and/or bodily remedy protection.
Along with these customizations, it’s also possible to select from a number of deductibles, protection percentages, and most protection choices. All of those selections provide the freedom to seek out the most effective plan to suit your cat’s wants and your finances.
