Our Closing Verdict
We give Lemonade Pet Insurance coverage a ranking of 4.8 out of 5 stars.
Lemonade is without doubt one of the most well-known pet insurance coverage corporations due to their viral promoting campaigns. Additionally they occur to be one of the reasonably priced choices on the market.
This firm gives a easy base plan that covers accidents and sickness. On high of this, you may select from a number of routine care packages and 5 add-on choices to cowl every 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 Overview
Professionals
- 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 house owners who know the place they have a tendency to spend their cash essentially the most in the case of their pet’s care. Like most pet insurance coverage choices, this one covers accidents and diseases. Nevertheless it additionally gives extra protection choices for all the opposite vet-related bills pet house owners expertise.
You probably have a younger kitten who has simply joined your loved ones, as an illustration, it’s possible you’ll need to add on Lemonade’s Kitten Preventative Care protection. This optionally available plan covers bills like checkups, vaccines, and spays/neuters.
Alternatively, if in case you have a 2-year-old kitty, it’s possible you’ll need to add the Dental Sickness plan or Bodily Remedy possibility. The previous covers therapies 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 modify by breed and species.
On the plus facet, 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 Canines | 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 contains protection for diagnostics, procedures, and medicines associated to new sickness and damage.
You possibly can count on routine and emergency exams to be lined, together with urinalyses, blood work, fecals, x-rays, and scans. In case your cat wants procedures akin to emergency surgical procedure, hospitalization, or outpatient care, these might be lined as properly. Prescription medicines and injections are additionally lined 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
If you would like extra care protection on your kitty past accidents and diseases, you may add customizable plans. Right here, Lemonade gives many various add-on choices.
The instance costs under of those add-ons are based mostly on a 3-year-old home shorthair in Chicago. Costs might differ 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 per thirty days.
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 accredited 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 per thirty days.
This feature 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 possibility from Lemonade does.
This protection maxes out at $1,000 per yr. 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 per thirty days, you may add habits situation protection to your plan.
This add-on covers diagnostics, remedy classes, and medicines for behavioral points. It doesn’t cowl coaching classes or obedience courses, nonetheless. 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 feature 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 on 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 gadgets.
There is no such thing as a deductible for this add-on. It is going to cowl as much as 100% of prices as much as $500.
Preventative Care
If you would like protection for routine vet care, you may add one among three preventative care plans to your coverage.
The usual Preventative Plan covers the most typical care wanted for grownup cats. Per yr, this contains:
- 1 wellness examination
- 1 parasite check
- 3 vaccines
- 1 heartworm or FeLV check
These plans begin at round $11 per thirty days for cats and include single-item maximums for every service lined. For example, the wellness examination reimbursement maxes out at $50 whereas the parasite check maxes out at $35 based mostly on x% coinsurance.
Preventative Care Plus
For an extra value, you may improve to the Preventative Care Plus plan which gives the entire above protection plus a few additional gadgets.
With this add-on, you’ll additionally rise up to $65 again for flea, tick, and heartworm medicines. You’ll additionally rise up to $150 to cowl dental cleanings.
The Plus plan, on common, prices about $10 greater than the usual plan.
Kitten Preventative Care Plus
You probably have a younger kitty at house, it’s possible you’ll need to think about including the Kitten Preventative Plan to your coverage.
This add-on covers every thing that the fundamental plan does plus one additional vet go to and three additional vaccines. It additionally covers as much as $65 in flea, tick, and heartworm medicines. 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 per thirty days.
Lemonade Value Comparability for Cats
| Home Shorthair | Siamese | |
| Male or Feminine | Male | Feminine |
| Age | 1 | 7 |
| Location | Colorado | California |
| Reimbursement Stage | 70% | 90% |
| Annual Deductible | $750 | $100 |
| Annual Max | $5,000 | $20,000 |
| Value per thirty days | $11 | $55.86 |
| Breed Identify | Below 1 | 5 Years Previous |
| Home Lengthy Hair | $11.51 | $13.69 |
| Bengal | $12.28 | $15.47 |
| Himalayan | $12.47 | $14.84 |
Deductibles & Claims
Lemonade gives some ways to customise your base coverage to tailor it to your wants.
For the deductible, you may select between 4 choices:
You can even customise how a lot of the associated fee Lemonade covers. The upper the share, the upper the premiums. Right here, you’ve got three decisions:
Lastly, you may select your annual protection most. Your coverage will solely reimburse prices as much as this quantity per yr. Lemonade gives 5 decisions 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 medicines associated to new accidents, sickness, and accidents.
For example, in case your cat had been to be hit by a automobile, the plan would cowl any blood exams, surgical procedures, medicines, 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 incorrect, saline administration, anti-nausea meds, and some other therapy they wanted to recuperate. Once more, the workplace go to itself wouldn’t be lined.
Protection kicks in after your annual deductible is met and prices are reimbursed on the proportion your plan covers. When you hit your plan most for the yr, you’ll obtain no extra reimbursements for the yr.
| Protection Merchandise | Annual Restrict |
| Surgical procedure | 5,000 to 100,000 (depends upon plan max) |
| Emergency Blood Work | 5,000 to 100,000 (depends upon plan max) |
| Prescription Drugs | 5,000 to 100,000 (depends upon plan max) |
| Wellness Examination | $50 (based mostly on 80% co-insurance) with Preventative Care Bundle |
| Heartworm Remedy | $65 (based mostly on 80% co-insurance) with Preventative Care+ Bundle |
| Routine Fecal Check | $35 (based mostly on 80% co-insurance) with Preventative Care Bundle |
Coated
- Damaged bones, sprains, fractures, elbow and hip dysplasia.
- Poisoning, toxicity
- Chew wounds, lacerations,
- Allergy symptoms, diabetes, most cancers
- Bloodwork, ultrasounds, diagnostic urinalysis, diagnostic fecals, X-rays, MRIs, CT scans
- Hospitalizations, outpatient care, emergency care
- Injections, prescription medicines
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 medicines (protection accessible with add-ons)
- Flea, tick, or heartworm meds (protection accessible with add-ons)
Pre-Present Situations
Like most pet insurance coverage insurance policies, Lemonade doesn’t cowl medical points which might 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 problem 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 so simple as diarrhea or as pricey as emergency bowel surgical procedure.
For example, in case your cat has been handled for an ear an infection prior to now, it’s thought of a pre-existing situation even when it has absolutely healed and gone away. In case your cat will get one other ear an infection, it is probably not lined.
The caveat right here is that circumstances deemed “curable,” akin to ear infections and parasites could also be lined by Lemonade so long as your cat has gone over 12 months with out signs.
Ready Intervals
Lemonade has a number of the shortest ready durations within the pet insurance coverage world.
After signing up on your coverage, you solely want to attend 2 days earlier than your cat is roofed for accident claims. You need to wait 14 days earlier than they’ll be lined for damage claims. And it’s important to wait the industry-standard six months earlier than they’ll be lined for cruciate ligaments. Relying on the place you reside, your ready durations may very well be shorter.
Critiques from Prospects
General, most clients 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 could take longer to talk to an precise particular person.
Most clients are very happy with the velocity 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 clients have been stunned by which circumstances Lemonade labels preexisting. Many additionally word their disappointment that the vet visits themselves, even for sickness and accidents, should not lined.
Continuously 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 previous. Additionally they won’t cowl pets above a sure age, however this varies by breed.
How quickly can I exploit my Lemonade insurance coverage?
You can begin utilizing Lemonade for accidents 2 days after enrolling. For sickness, the ready interval is 14 days. For those who opted for a preventative package deal, you should utilize these advantages as quickly because the date your coverage turns into efficient. Relying on the place you reside, your coverage may have totally different ready durations. In case your pet is already damage or sick 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, nonetheless 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 per week. Precise reimbursement time may 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 think about any sickness, damage, signal, symptom, or problem that has been handled earlier than a preexisting situation. Even points that got here with no formal prognosis is probably not lined in the event that they happen after the insurance coverage coverage is signed.
Our Verdict
For those who’re searching for an reasonably priced, extremely customizable pet insurance coverage possibility on your kitty, Lemonade is value a glance.
This is without doubt one of the most cost-effective pet insurance coverage choices on the market. Additionally they provide a number of add-on choices that can assist you get monetary savings the place you spend it most. Along with the bottom coverage that covers diseases and accidents, you may go for vet visits, preventative care, dental, behavioral, and/or bodily remedy protection.
Along with these customizations, you can too select from a number of deductibles, protection percentages, and most protection choices. All of those decisions provide the freedom to search out the very best plan to suit your cat’s wants and your price range.
