Our Closing Verdict
We give Lemonade Pet Insurance coverage a ranking of 4.8 out of 5 stars.
Lemonade is among the most well-known pet insurance coverage firms because of 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 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 Evaluation
Professionals
- One of many least expensive 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 obtainable
Cons
- Broad definition of pre-existing situations
- Age restrictions on enrollment
- Requires current vet examination
About Lemonade
Lemonade pet insurance is made for pet homeowners who know the place they have a tendency to spend their cash probably the most in relation to their pet’s care. Like most pet insurance coverage choices, this one covers accidents and sicknesses. However it additionally gives further protection choices for all the opposite vet-related bills pet homeowners expertise.
When you have a younger kitten who has simply joined your loved ones, as an example, you might wish to add on Lemonade’s Kitten Preventative Care protection. This non-compulsory plan covers bills like checkups, vaccines, and spays/neuters.
Then again, when you’ve got a 2-year-old kitty, you might wish to add the Dental Sickness plan or Bodily Remedy possibility. The previous covers remedies for dental illness whereas the latter covers chiropractic and acupuncture remedy associated to accidents and sicknesses.
Like most different pet insurances, Lemonade doesn’t cowl preexisting situations. Additionally they have some age restrictions that fluctuate by breed and species.
On the plus facet, this insurance coverage is impressively reasonably priced and broadly obtainable. 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 Price Comparability
| Firm | Pattern Month-to-month Price For Canines | Pattern Month-to-month Price For Cats | Be taught 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 drugs associated to new sickness and harm.
You may count on routine and emergency assessments to be coated, together with urinalyses, blood work, fecals, x-rays, and scans. In case your cat wants procedures corresponding to emergency surgical procedure, hospitalization, or outpatient care, these might be coated as nicely. Prescription drugs and injections are additionally coated beneath 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 situations, even when they result in emergency care or sickness.
Customizations
In order for you further care protection to your kitty past accidents and sicknesses, you may add customizable plans. Right here, Lemonade gives many alternative add-on choices.
The instance costs under of those add-ons are based mostly on a 3-year-old home shorthair in Chicago. Costs could differ relying on the age, breed, and placement of your cat.
Vet Go to Charges
You may 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 authorized 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 selection covers dental diagnostics, crowns, extractions, root canals, and different dental surgical procedures associated to dental sicknesses 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 12 months. It’s price 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 periods, and drugs for behavioral points. It doesn’t cowl coaching periods or obedience courses, nevertheless. It additionally doesn’t cowl pre-existing behavioral situations.
This add-on has a yearly most of $1,000.
Bodily Remedy
One other add-on price contemplating is Lemonade’s bodily remedy plan, which prices about $1.30 for many cats.
This selection covers bodily remedy periods, acupuncture, chiropractic care, laser remedy, and extra. This protection kicks in after your vet recommends bodily remedy for an harm 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 measurement of your cat.
This add-on covers the price of euthanasia, cremation, and a few remembrance objects.
There isn’t any deductible for this add-on. It should cowl as much as 100% of prices as much as $500.
Preventative Care
In order for you protection for routine vet care, you may add one in all three preventative care plans to your coverage.
The usual Preventative Plan covers the most typical care wanted for grownup cats. Per 12 months, 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 coated. As an illustration, 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 further objects.
With this add-on, you’ll additionally rise up to $65 again for flea, tick, and heartworm drugs. 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
When you have a younger kitty at house, you might wish to think about 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 per thirty days.
Lemonade Value 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 |
| Value per thirty days | $11 | $55.86 |
| Breed Title | Underneath 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 too can customise how a lot of the fee Lemonade covers. The upper the proportion, the upper the premiums. Right here, you could have three decisions:
Lastly, you may select your annual protection most. Your coverage will solely reimburse prices as much as this quantity per 12 months. 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 drugs associated to new accidents, sickness, and accidents.
As an illustration, in case your cat had been to be hit by a automobile, the plan would cowl any blood assessments, 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, if your cat started throwing up unexpectedly, your plan would cowl the diagnostic to find out what was fallacious, saline administration, anti-nausea meds, and another remedy 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 proportion 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 (will depend on plan max) |
| Emergency Blood Work | 5,000 to 100,000 (will depend on plan max) |
| Prescription Medicines | 5,000 to 100,000 (will depend on plan max) |
| Wellness Examination | $50 (based mostly on 80% co-insurance) with Preventative Care Package deal |
| Heartworm Medicine | $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
- Chew 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 situations
- Elective surgical procedures
- Non-traditional therapies
- Dental points and cleanings (protection obtainable with add-ons)
- Vet visits charges associated to accidents or sicknesses (protection obtainable with add-ons)
- Wellness visits, vaccines, routine diagnostics (protection obtainable with add-ons)
- Spay and neutering (protection obtainable with add-ons)
- Microchips (protection obtainable with add-ons)
- Bodily remedy (protection obtainable with add-ons)
- Conduct therapies or behavioral drugs (protection obtainable with add-ons)
- Flea, tick, or heartworm meds (protection obtainable with add-ons)
Pre-Present Situations
Like most pet insurance coverage insurance policies, Lemonade doesn’t cowl medical points which can be thought of pre-existing situations. This time period is utilized to a much wider vary of situations within the pet insurance coverage world than it’s within the human healthcare world.
Any harm, sickness, signal, symptom, or challenge that has been handled by your vet earlier than has the potential to be labeled a pre-existing situation. This could apply to one thing as simple as diarrhea or as expensive as emergency bowel surgical procedure.
As an illustration, in case your cat has been treated for an ear infection previously, 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 coated.
The caveat right here is that situations deemed “curable,” corresponding 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 a number of the shortest ready durations 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. It’s essential to wait 14 days earlier than they’ll be coated for harm claims. And you need to wait the industry-standard six months earlier than they’ll be coated for cruciate ligaments. Relying on the place you reside, your ready durations could possibly be shorter.
Critiques from Clients
Total, most prospects who use Lemonade are pleased with the service and outcomes they see.
In comparison with different pet insurance coverage firms, this one has one of many quickest approval and enrollment processes. They use on-line underwriting know-how 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 also be very tech-based, together with AI instruments and a distant workforce. This implies sooner solutions but additionally that it will possibly take longer to talk to an precise individual.
Most prospects are very glad with the velocity with which their claims are processed and their reimbursements are made. Additionally they observe how reasonably priced this feature is in comparison with different pet insurance coverage insurance policies.
On the draw back, some prospects have been stunned by which situations Lemonade labels preexisting. Many additionally observe their disappointment that the vet visits themselves, even for sickness and accidents, are usually not coated.
Regularly 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 beneath 8 weeks previous. Additionally they is not going to 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. Should you 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 might have completely different ready durations. In case your pet is already harm or ailing earlier than you enroll, insurance coverage is not going to cowl their remedy.
How lengthy does it take for a declare to be paid out?
Round 50% of claims are dealt with immediately, nevertheless some claims could 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 might be dependent in your financial institution.
Does my pet want a analysis to have a preexisting situation?
No, preexisting situations don’t require a proper analysis. Lemonade and different pet insurance coverage firms think about any sickness, harm, signal, symptom, or challenge that has been handled earlier than a preexisting situation. Even points that got here with no formal analysis is probably not coated in the event that they happen after the insurance coverage coverage is signed.
Our Verdict
Should you’re in search of an reasonably priced, extremely customizable pet insurance coverage possibility to your kitty, Lemonade is price a glance.
This is among the least expensive pet insurance coverage choices on the market. Additionally they provide a number of add-on choices that can assist you lower your expenses the place you spend it most. Along with the bottom coverage that covers sicknesses and accidents, you can opt for vet visits, preventative care, dental, behavioral, and/or bodily remedy protection.
Along with these customizations, you may as well 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 funds.
