Does Lemonade cover physical therapy?
Lemonade Pet is not sold in every state.
Only through an add-on. Physical therapy is one of Lemonade’s separate optional add-ons, not part of the base accident and illness policy. Add it at enrollment or renewal, and eligible rehab claims then run under your policy settings: $100-$750 deductible, 70/80/90% reimbursement, limits up to $100,000.
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 add-on structure
Lemonade has the most a-la-carte menu among the insurers we track: wellness, dental illness, behavioral conditions, physical therapy, vet visit fees and end-of-life expenses are each priced separately on top of the base policy.
That suits owners who want rehab coverage for a specific recovery (a cruciate repair, for example) without paying for pieces they will not use. Price the configured total before comparing against rivals that bundle more by default.
How competitors handle rehab
Embrace sells physical therapy within its optional add-on menu too, while Pets Best offers it as a separate add-on; our reviews carry each insurer’s exact structure. Trupanion’s optional recovery and complementary-care add-on covers related treatment on its unlimited design.
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