Does pet insurance cover vomiting and diarrhea?
Lemonade Pet is not sold in every state.
Yes. Vomiting and diarrhea are covered as illness claims on every plan we review once the illness waiting period passes, typically about 14 to 15 days, including the exam, diagnostics and treatment. If the cause is a swallowed object or toxin, the claim runs under accident terms instead, which often start even sooner.
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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.
Illness route versus accident route
An ordinary stomach upset claims under illness terms: illness waiting periods run about 14 days at Lemonade (official Lemonade accidents at 0 days nationwide), Embrace, Spot, Figo and Pets Best, up to 15 days at Fetch and Healthy Paws, and 30 days at Trupanion. Diagnostics such as bloodwork and imaging are covered as part of working up the claim on the plans we review.
If the vomiting turns out to be a swallowed toy, string or toxin, that is an accident, so accident waiting periods govern instead, and several plans start accident cover in days. Our swallowed-objects guide covers that surgery scenario in detail.
The pre-existing pattern
A single resolved bout is the other textbook curable condition: Embrace cites a one-off bout of vomiting in its curable pre-existing language, re-coverable after 12 consecutive symptom-free months, with Healthy Paws documenting a similar 365-day path and Lemonade offering a curable path in most states.
Chronic digestive disease is different. Ongoing conditions stay excluded once documented, and repeated episodes can be attributed to that underlying condition. Enroll between episodes, not during one, because anything treated during the waiting period goes on file as pre-existing.
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