Our Closing Verdict
We give Lemonade Pet Insurance coverage a score of 4.8 out of 5 stars.
Lemonade is among the most well-known pet insurance coverage firms because of their viral promoting campaigns. In addition they occur to be some of the reasonably priced choices on the market.
This firm presents a easy base plan that covers accidents and sickness. On high of this, you may select from a number of routine care packages and 5 add-on choices to cowl every part from workplace visits to acupuncture. This on high of Lemonade’s many customizable options inside the base coverage makes them some of the versatile pet insurance coverage choices on the market.
Lemonade Pet Insurance coverage Assessment
Execs
- One of many least expensive choices
- Fast enrollment course of
- Have many add-on choices
- 2-day accident ready interval
- In some states there isn’t any accident ready interval
- Bundling reductions out there
Cons
- Broad definition of pre-existing situations
- Age restrictions on enrollment
- Requires latest vet examination
About Lemonade
Lemonade pet insurance coverage is made for pet house owners who know the place they have a tendency to spend their cash probably the most in relation to their pet’s care. Like most pet insurance coverage choices, this one covers accidents and diseases. Nevertheless it additionally presents extra protection choices for all the opposite vet-related bills pet house owners expertise.
If in case you have a younger kitten who has simply joined your loved ones, as an illustration, you could wish to add on Lemonade’s Kitten Preventative Care protection. This non-obligatory plan covers bills like checkups, vaccines, and spays/neuters.
Alternatively, you probably have a 2-year-old kitty, you could wish to add the Dental Sickness plan or Bodily Remedy possibility. The previous covers therapies for dental illness whereas the latter covers chiropractic and acupuncture remedy associated to accidents and diseases.
Like most different pet insurances, Lemonade doesn’t cowl preexisting situations. In addition they have some age restrictions that change by breed and species.
On the plus facet, this insurance coverage is impressively reasonably priced and broadly out there. The one states they don’t serve are Alaska, Delaware, Hawaii, Idaho, Kansas, Kentucky, Louisiana, Maine, Minnesota, South Dakota, Vermont, West Virginia, and Wyoming.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Value Comparability
| Firm | Pattern Month-to-month Value For Canine | Pattern Month-to-month Value For Cats | Be taught Extra |
| Lemonade | $19.44 | $11.00 | Get Quote |
| Spot | $36.54 | $16.51 | Get Quote |
| Wagmo | $70.12 | $30.88 | Get Quote |
| Trupanion | $29.70 | $12.22 | Get Quote |
| Fetch | $26.89 | $11.93 | Get Quote |
Base Coverage
Lemonade’s base coverage contains protection for diagnostics, procedures, and drugs associated to new sickness and harm.
You’ll be able to count on routine and emergency exams to be lined, together with urinalyses, blood work, fecals, x-rays, and scans. In case your cat wants procedures reminiscent of emergency surgical procedure, hospitalization, or outpatient care, these will likely be lined as nicely. Prescription drugs and injections are additionally lined underneath the bottom coverage.
Principally, this coverage covers accidents and sickness and something related to them. It doesn’t cowl routine care, vaccines, behavioral care, or bodily remedy. It additionally doesn’t cowl pre-existing situations, even when they result in emergency care or sickness.
Customizations
If you need extra care protection on your kitty past accidents and diseases, you may add customizable plans. Right here, Lemonade presents many alternative add-on choices.
The instance costs beneath of those add-ons are primarily based on a 3-year-old home shorthair in Chicago. Costs might differ relying on the age, breed, and site of your cat.
Vet Go to Charges
You’ll be able to decide so as to add on vet go to protection. This add-on prices about $4.70 per 30 days.
This add-on helps pay for the vet go to itself when your cat has an emergency or will get sick. It covers bodily exams, workplace visits, emergency room visits, and extra check-ups.
This add-on doesn’t cowl routine vet visits or the care related to them. It solely covers permitted bills as much as the annual restrict dictated by your base plan.
Dental Sickness
The dental sickness add-on covers emergency dental care and dental illness care. It is a little bit of a pricier add-on at about $13 per 30 days.
This feature covers dental diagnostics, crowns, extractions, root canals, and different dental surgical procedures associated to dental diseases like gingivitis and periodontal illness. It doesn’t cowl routine dental cleanings, although one other add-on possibility from Lemonade does.
This protection maxes out at $1,000 per yr. It’s price noting that cat dental surgical procedure in lots of areas averages over $1,000 if extractions and different procedures are required.
Behavioral Situations
For about $3.50 per 30 days, you may add conduct situation protection to your plan.
This add-on covers diagnostics, remedy classes, and drugs for behavioral points. It doesn’t cowl coaching classes or obedience courses, nevertheless. It additionally doesn’t cowl pre-existing behavioral situations.
This add-on has a yearly most of $1,000.
Bodily Remedy
One other add-on price contemplating is Lemonade’s bodily remedy plan, which prices about $1.30 for many cats.
This feature covers bodily remedy classes, acupuncture, chiropractic care, laser remedy, and extra. This protection kicks in after your vet recommends bodily remedy for an harm or sickness.
The utmost protection for this one is identical as the utmost on your base coverage.
Finish of Life and Remembrance
This prices, on common, between $2.50 and $5, relying on the age and dimension of your cat.
This add-on covers the price of euthanasia, cremation, and a few remembrance objects.
There is no such thing as a deductible for this add-on. It should cowl as much as 100% of prices as much as $500.
Preventative Care
If you need protection for routine vet care, you may add considered one of three preventative care plans to your coverage.
The usual Preventative Plan covers the commonest care wanted for grownup cats. Per yr, this contains:
- 1 wellness examination
- 1 parasite take a look at
- 3 vaccines
- 1 heartworm or FeLV take a look at
These plans begin at round $11 per 30 days for cats and include single-item maximums for every service lined. As an example, the wellness examination reimbursement maxes out at $50 whereas the parasite take a look at maxes out at $35 primarily based on x% coinsurance.
Preventative Care Plus
For a further price, you may improve to the Preventative Care Plus plan which presents the entire above protection plus a few additional objects.
With this add-on, you’ll additionally stand up to $65 again for flea, tick, and heartworm drugs. You’ll additionally stand up to $150 to cowl dental cleanings.
The Plus plan, on common, prices about $10 greater than the usual plan.
Kitten Preventative Care Plus
If in case you have a younger kitty at dwelling, you could wish to think about including the Kitten Preventative Plan to your coverage.
This add-on covers every part that the essential plan does plus one additional vet go to and three additional vaccines. It additionally covers as much as $65 in flea, tick, and heartworm drugs. Most significantly, it covers as much as $120 towards a spay or neuter and as much as $40 for a microchip.
The price of this add-on usually begins round $38 per 30 days.
Lemonade Worth Comparability for Cats
| Home Shorthair | Siamese | |
| Male or Feminine | Male | Feminine |
| Age | 1 | 7 |
| Location | Colorado | California |
| Reimbursement Degree | 70% | 90% |
| Annual Deductible | $750 | $100 |
| Annual Max | $5,000 | $20,000 |
| Worth per 30 days | $11 | $55.86 |
| Breed Identify | Below 1 | 5 Years Outdated |
| Home Lengthy Hair | $11.51 | $13.69 |
| Bengal | $12.28 | $15.47 |
| Himalayan | $12.47 | $14.84 |
Deductibles & Claims
Lemonade presents some ways to customise your base coverage to tailor it to your wants.
For the deductible, you may select between 4 choices:
You may as well customise how a lot of the associated fee Lemonade covers. The upper the proportion, the upper the premiums. Right here, you have got three decisions:
Lastly, you may select your annual protection most. Your coverage will solely reimburse prices as much as this quantity per yr. Lemonade presents 5 decisions right here:
- $5,000
- $10,000
- $20,000
- $50,000
- $100,000
What Does Lemonade Cowl?
The bottom accident and sickness plan from Lemonade covers diagnostics, procedures, and drugs associated to new accidents, sickness, and accidents.
As an example, in case your cat have been to be hit by a automobile, the plan would cowl any blood exams, surgical procedures, drugs, injections, hospitalizations, and aftercare they want. What the plan wouldn’t cowl is the price of the emergency room go to or workplace go to.
Equally, in case your cat began throwing up unexpectedly, your plan would cowl the diagnostic to find out what was unsuitable, saline administration, anti-nausea meds, and another remedy they wanted to get well. Once more, the workplace go to itself wouldn’t be lined.
Protection kicks in after your annual deductible is met and prices are reimbursed on the proportion your plan covers. When you hit your plan most for the yr, you’ll obtain no extra reimbursements for the yr.
| Protection Merchandise | Annual Restrict |
| Surgical procedure | 5,000 to 100,000 (is dependent upon plan max) |
| Emergency Blood Work | 5,000 to 100,000 (is dependent upon plan max) |
| Prescription Medicines | 5,000 to 100,000 (is dependent upon plan max) |
| Wellness Examination | $50 (primarily based on 80% co-insurance) with Preventative Care Bundle |
| Heartworm Medicine | $65 (primarily based on 80% co-insurance) with Preventative Care+ Bundle |
| Routine Fecal Take a look at | $35 (primarily based on 80% co-insurance) with Preventative Care Bundle |
Lined
- Damaged bones, sprains, fractures, elbow and hip dysplasia.
- Poisoning, toxicity
- Chew wounds, lacerations,
- Allergy symptoms, diabetes, most cancers
- Bloodwork, ultrasounds, diagnostic urinalysis, diagnostic fecals, X-rays, MRIs, CT scans
- Hospitalizations, outpatient care, emergency care
- Injections, prescription drugs
Not Lined
- Pre-existing situations
- Elective surgical procedures
- Non-traditional therapies
- Dental points and cleanings (protection out there with add-ons)
- Vet visits charges associated to accidents or diseases (protection out there with add-ons)
- Wellness visits, vaccines, routine diagnostics (protection out there with add-ons)
- Spay and neutering (protection out there with add-ons)
- Microchips (protection out there with add-ons)
- Bodily remedy (protection out there with add-ons)
- Habits therapies or behavioral drugs (protection out there with add-ons)
- Flea, tick, or heartworm meds (protection out there with add-ons)
Pre-Present Situations
Like most pet insurance coverage insurance policies, Lemonade doesn’t cowl medical points which are thought-about pre-existing situations. This time period is utilized to a much wider vary of situations within the pet insurance coverage world than it’s within the human healthcare world.
Any harm, sickness, signal, symptom, or problem that has been handled by your vet earlier than has the potential to be labeled a pre-existing situation. This could apply to one thing as easy as diarrhea or as pricey as emergency bowel surgical procedure.
As an example, in case your cat has been handled for an ear an infection up to now, it’s thought-about a pre-existing situation even when it has totally healed and gone away. In case your cat will get one other ear an infection, it is probably not lined.
The caveat right here is that situations deemed “curable,” reminiscent of ear infections and parasites could also be lined by Lemonade so long as your cat has gone over 12 months with out signs.
Ready Durations
Lemonade has a few of the shortest ready durations within the pet insurance coverage world.
After signing up on your coverage, you solely want to attend 2 days earlier than your cat is roofed for accident claims. It’s essential to wait 14 days earlier than they’ll be lined for harm claims. And you must wait the industry-standard six months earlier than they’ll be lined for cruciate ligaments. Relying on the place you reside, your ready durations might be shorter.
Opinions from Clients
Total, most clients who use Lemonade are pleased with the service and outcomes they see.
In comparison with different pet insurance coverage firms, this one has one of many quickest approval and enrollment processes. They use on-line underwriting expertise that saves money and time in comparison with conventional handbook underwriting. This implies quicker outcomes for you in addition to decrease costs throughout the board.
Their customer support can be very tech-based, together with AI instruments and a distant group. This implies quicker solutions but in addition that it could possibly take longer to talk to an precise particular person.
Most clients are very glad with the velocity with which their claims are processed and their reimbursements are made. In addition they notice how reasonably priced this feature is in comparison with different pet insurance coverage insurance policies.
On the draw back, some clients have been shocked by which situations Lemonade labels preexisting. Many additionally notice their disappointment that the vet visits themselves, even for sickness and accidents, are usually not lined.
Continuously Requested Questions (FAQ)
Are there age limits for enrolling in Lemonade?
Sure, Lemonade does have pet age limits for protection. They won’t cowl pets underneath 8 weeks previous. In addition they is not going to cowl pets above a sure age, however this varies by breed.
How quickly can I take advantage of my Lemonade insurance coverage?
You can begin utilizing Lemonade for accidents 2 days after enrolling. For sickness, the ready interval is 14 days. If you happen to opted for a preventative bundle, you should use these advantages as quickly because the date your coverage turns into efficient. Relying on the place you reside, your coverage may have totally different ready durations. In case your pet is already harm or unwell earlier than you enroll, insurance coverage is not going to cowl their remedy.
How lengthy does it take for a declare to be paid out?
Round 50% of claims are dealt with immediately, nevertheless some claims might take a mean of 12 and 18 days to be processed. The primary declare typically takes longer whereas subsequent easy claims usually take lower than every week. Precise reimbursement time could be dependent in your financial institution.
Does my pet want a prognosis to have a preexisting situation?
No, preexisting situations don’t require a proper prognosis. Lemonade and different pet insurance coverage firms think about any sickness, harm, signal, symptom, or problem that has been handled earlier than a preexisting situation. Even points that got here with no formal prognosis is probably not lined in the event that they happen after the insurance coverage coverage is signed.
Our Verdict
If you happen to’re on the lookout for an reasonably priced, extremely customizable pet insurance coverage possibility on your kitty, Lemonade is price a glance.
This is among the least expensive pet insurance coverage choices on the market. In addition they supply a number of add-on choices that will help you lower your expenses the place you spend it most. Along with the bottom coverage that covers diseases and accidents, you may go for vet visits, preventative care, dental, behavioral, and/or bodily remedy protection.
Along with these customizations, you too can select from a number of deductibles, protection percentages, and most protection choices. All of those decisions provide the freedom to seek out the very best plan to suit your cat’s wants and your price range.
