Does pet insurance cover heart disease?
Lemonade Pet is not sold in every state.
Yes, when heart disease is newly diagnosed after enrollment and the illness waiting period. Diagnostics, medication, and prescribed follow-up then claim minus your deductible, at your chosen 70, 80, or 90 percent rate, up to your annual limit. A murmur, enlarged heart, or cardiac note documented before enrollment or during the wait is pre-existing and stays excluded for life, because every insurer we review treats heart disease as chronic.
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.
Is heart disease an illness claim?
Heart disease is an illness, not an accident. Accident-only policies do not pay for it. On a standard accident and illness policy, a new diagnosis claims after the illness waiting period: about 14 days at Lemonade, Embrace, Spot, Pets Best, and Figo, up to 15 days at Fetch, 15 days at Healthy Paws, and 30 days at Trupanion.
A murmur on a puppy exam, or a "monitor heart" note, before enrollment or during that wait makes later heart disease pre-existing. Chronic conditions never qualify for the curable-condition path at Lemonade (most states) or Embrace.
What a covered heart-disease claim includes
When the diagnosis is new, the claimable path covers the workup and the medication: exam, imaging, cardiac drugs, and follow-up visits, reimbursed minus your deductible at your chosen rate, up to the annual limit.
Breed pages already name cardiac risk for some dogs and cats. This page does not invent a new breed premium. Use the named breed guides for those numbers, and treat them as estimates, never quotes.
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