Lemonade pet insurance review
Lemonade is our 9.0/10 dog plan and 9.2/10 top-scored cat plan. The draw is price: illustrative starting estimates are about $28/mo for a healthy one-year-old dog and $16/mo for a cat. Those are not quotes. Lemonade’s current pet-insurance guide lists no accident waiting period after the policy starts, 14 days for illnesses, and 30 days for orthopedic conditions. Check your issued policy for the terms that apply to your coverage. Annual limits configure from $5,000 up to $100,000. An optional wellness add-on sits around $5/mo, plus separate add-ons for dental illness, behavioral care, and physical therapy. As of August 2026, Lemonade Pet is not sold in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
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Get a quote from LemonadeQuick facts
- Annual limit
- $100k
- Deductible
- Fully customizable, $100 to $750 (up to $1,000 on some policies)
- Reimbursement options
- 70%, 80% or 90%
- Accident / illness wait
- Current marketing: no accident wait from the effective date, at 12:01 AM the day after purchase. State and policy terms can differ; check your policy / 14 days
- Wellness add-on
- Available
What it covers, and what it caps
Annual limit options: $5,000 up to $100,000 depending on how you configure the policy
Deductible: Fully customizable, $100 to $750 (up to $1,000 on some policies)
Reimbursement: 70%, 80% or 90%
Wellness / routine care: Yes. An optional wellness add-on (roughly $5/mo) plus separate optional add-ons for dental illness, behavioral conditions, physical therapy, vet visit fees and end-of-life expenses. Most a-la-carte add-on menu of the insurers reviewed here.
Waiting periods
- Accidents: Current marketing: no accident wait from the effective date, at 12:01 AM the day after purchase. State and policy terms can differ; check your policy
- Illness: 14 days
- Orthopedic / cruciate: Current marketing: 30 days, including cruciate injuries. The general FAQ also describes policies with a 6-month cruciate wait; your state and policy documents control
Pre-existing conditions
Not covered for conditions that showed signs before enrollment or during the waiting period. In most states, temporary or curable pre-existing conditions or injuries can be covered again after 12 consecutive months without recurrent symptoms or continued treatment. Chronic conditions and knee or ligament conditions cannot be covered as curable pre-existing conditions.
State availability
As of Aug 2026, Lemonade Pet is not yet available in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, or Wyoming.
Who Lemonade is not for
Owners in Alaska, Idaho, Kansas, Kentucky, South Dakota, Vermont, West Virginia, and Wyoming, as of Aug. 2026, or anyone who wants a single accident-and-illness price without stacking add-ons to get full coverage.
The exclusions cheat sheet
A plain-English guide to waiting periods and key exclusions across eight insurers, with links to the full reviews.
Questions about Lemonade
See our methodology for how scores are set.