Does Lemonade cover hip dysplasia?
Lemonade Pet is not sold in every state.
Yes, if hips were healthy when you enrolled. Lemonade covers hip dysplasia under its 30-day orthopedic waiting period, which current marketing also applies to cruciate injuries; check your state policy. 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 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.
The coverage timeline
After the 30-day orthopedic wait (official Lemonade accidents at 0 days nationwide, 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, a description of bunny-hopping, or a hip screening result documented before enrollment or during the wait can make 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.
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