Does Lemonade cover bloodwork?
Lemonade Pet is not sold in every state.
Yes, when the bloodwork is part of diagnosing or managing a newly covered condition. Diagnostic tests claim under Lemonade’s illness terms after the 14-day wait (official Lemonade accidents at 0 days nationwide). Routine or preventive screening without a covered diagnosis is what stays out of pocket.
Get a Lemonade quote
Lemonade is the one insurer on this site we can send you to for a live quote. That does not make it the right plan for every pet. As of October 2, 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, or Wyoming.
Get a quote from LemonadeThe exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Diagnostic claims versus routine panels
Bloodwork ordered to work up vomiting, lethargy, an accident, or any new condition claims under standard terms: $100-$750 deductible, 70/80/90% reimbursement, limits to $100,000. Our diagnostics guide explains how these workups bill across insurers.
Annual wellness panels with no illness behind them are preventive care. Those are funded only through Lemonade’s optional wellness add-on, not the core policy.
Timing notes
Bloodwork during a waiting period still counts toward documenting pre-existing conditions, so expect claims from that window to be denied even though testing was medically sensible. Enroll early and let the clocks expire before problems start.
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