How much does pet insurance cost?
Lemonade Pet is not sold in every state.
We do not have current, comparable quotes across the insurers we review, so our catalog figures cannot identify the cheapest plan for your pet. Your premium depends on species, breed, age, ZIP code, deductible, reimbursement rate and annual limit. Start with a current Lemonade quote where sold, then compare other insurers using the same details and coverage choices.
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.
Compare current insurer quotes
Get current quotes for the same pet, ZIP code, deductible, reimbursement rate and annual limit. Then compare the premium alongside waiting periods, exclusions and how claims are paid. Our older catalog examples were not collected as a matched quote set.
What moves your quote
Breed is a major price factor after species. French Bulldogs and Bulldogs face airway, disc and skin risks that insurers may price differently from a Beagle. Cat breeds can differ too. Request current quotes for your breed using the same coverage choices.
Configuration is the second lever. A higher deductible and a lower reimbursement rate can lower the premium, while a low deductible with 90 percent reimbursement and an unlimited annual cap can raise it. Age is another factor: premiums often rise as your pet gets older. Ask each insurer how renewals are priced.
How to read a cheap quote
The lowest quote is usually the most restrictive configuration: a high deductible, 70 percent reimbursement and a low annual cap. Spot offers caps from $2,500 to unlimited, the widest menu in our lineup, which also makes it the easiest plan to accidentally under-buy. Compare quotes only at matched settings, and treat any single monthly figure, ours included, as a starting point rather than a price.
Related questions
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Premium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.