Does Lemonade cover hip dysplasia?
Yes, if hips were healthy when you enrolled. Lemonade covers hip dysplasia under its 30-day orthopedic waiting period, shorter than the 6-month hold it places on cruciate events. There is no documented enrollment-age cutoff like some competitors apply, but any hip sign noted before enrollment or during the wait makes it pre-existing and permanently excluded.
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 August 2026, Lemonade Pet is not available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Some links here are partner links. If you buy through one, the insurer may pay us a fee. It never changes your premium and it never changes a ranking.
Get a quote from LemonadeThe coverage timeline
After the 30-day orthopedic wait (accidents from 2 days or immediately in many states, other illnesses at 14 days), hip dysplasia diagnosis and treatment claim under your settings: $100 to $750 deductibles, 70/80/90% reimbursement, limits up to $100,000.
Contrast with documented competitors: Healthy Paws holds hips 12 months for dogs enrolled at five or younger and excludes them entirely when enrolled at six or older, while Spot applies only its 14-day standard period to orthopedic conditions. Our reviews carry each timeline in full.
The pre-existing trap
A gait note, bunny-hop description, or hip screening result documented before enrollment or during the wait makes dysplasia pre-existing. In most states Lemonade re-covers curable conditions after 12 clean months, but knee and ligament conditions are barred from that path, and dysplasia behaves as chronic anyway.
For high-risk breeds in our catalog (German Shepherds, Labradors, French Bulldogs), enroll young and healthy so the 30-day clock starts before anything can be written down.
Related questions
Keep reading
Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. Some links on WhichPetPlan (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. The Advisor stays an unpaid ranking, not a quote form.
Start the AdvisorSome links (currently Lemonade) may earn a fee; it never changes the premium and never changes a ranking. Other insurers listed here do not pay us. Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.