Lemonade Pet
4.4
reimbursement70%, 80%, or 90%
Best for: Budget-conscious owners of young, healthy dogs who value fast digital claims.
Insurer review
Lemonade Pet review
Best for: Budget-conscious owners of young, healthy dogs who value fast digital claims.
Coverage terms at a glance
| Annual limits | $5,000 – $100,000 |
|---|---|
| Reimbursement | 70%, 80%, or 90% |
| Deductible | $100 – $750 annual |
| Waiting periods | 2 days accidents, 14 days illnesses, 6 months cruciate ligaments |
Highlights
- AI-driven claims — a large share reimbursed in minutes
- Among the lowest entry premiums in the market
- Optional wellness add-ons and vet visit/exam fee coverage
Pros and cons
Pros
- Lowest starting premiums we tracked
- Fast, app-first claims experience
- Transparent policy wording
- Multi-pet, bundling, and annual-pay discounts
Cons
- Not available in every state
- 6-month cruciate ligament waiting period
- Behavioral therapy only via add-on
- Premiums climb noticeably as pets age
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Related reading
Lemonade Pet FAQ
How much does Lemonade Pet cost per month?
We don't publish a price for Lemonade Pet, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. Lemonade Pet is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are Lemonade Pet's waiting periods?
2 days accidents, 14 days illnesses, 6 months cruciate ligaments
What reimbursement does Lemonade Pet offer?
Lemonade Pet offers reimbursement options of 70%, 80%, or 90%, with annual limits of $5,000 – $100,000 and deductible options of $100 – $750 annual.