Lemonade Pet Insurance review

Lemonade suits owners who want to handle everything in an app and pay as little as possible. A dog or cat policy starts at $10 a month, and Lemonade adds a 10% discount for bundling with its renters, home or car insurance, 5% for insuring several pets and 5% for paying annually. You choose 70%, 80% or 90% co-insurance and an annual limit between $5,000 and $100,000. Claims are filed in the app, and Lemonade says it pays 50% of eligible claims instantly. Preventative packages cover a wellness exam, up to 3 vaccines and, on higher tiers, a routine dental cleaning, with no deductible or waiting period. The base policy is narrower than Embrace or Pumpkin: vet visit fees and physical therapy are add-ons, pre-existing conditions are not covered, and orthopedic conditions such as cruciate ligament problems carry a 30-day waiting period. Claims must be filed within 180 days, or 90 days in Texas.

Who it is for

app-first owners who bundle insurance

Price

From $10 a month for a dog or cat.

At Lemonade, a policy for a dog or a cat starts at $10/month.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Co-insurance of 70%, 80% or 90%
• Annual limit anywhere from $5,000 to $100,000
• Lemonade says it pays 50% of eligible claims instantly
• Preventative care packages with wellness exam, up to 3 vaccines and optional dental cleaning, with no deductible
• 10% bundle discount, 5% multi-pet discount and 5% annual payment discount

Strengths and weaknesses

• Strength: Starting price of $10 a month is among the lowest published
• Strength: Quote, coverage changes and claims run in the Lemonade app
• Strength: Flea, tick and heartworm medicine bought at Chewy or Costco can be reimbursed on some preventative packages
• Weakness: Pre-existing conditions are not covered
• Weakness: Vet visit fees and physical therapy are paid add-ons
• Weakness: 30-day waiting period for orthopedic conditions, longer than the 14-day illness wait

Key facts

• Starting price: $10 a month
• Co-insurance: 70%, 80% or 90%
• Annual limit: $5,000 to $100,000
• Waiting periods: 14 days illness, 30 days orthopedic

Where it ranks

Lemonade Pet Insurance is No. 2 in our Best Pet Insurance verdict.