Lemonade
Pet Health Insurance
A low-cost accident & illness base plan with high limits — exam fees, dental illness and therapy are add-ons you pick.
$ BudgetAccident & illness
- Reimburses
- 70/80/90%
- Annual limit
- $100,000
- Deductible
- Annual
- Exam fees
- Add-on
- Accident wait
- 2 days
- Illness wait
- 14 days
Sample monthly cost
from $10 — Starting priceLemonade marketing floor; pet profile not stated.
- Deductible
- Annual deductible of $100, $250, $500 or $750.
- Annual limit
- Choose an annual limit between $5,000 and $100,000.
- Exam fees
- Vet visit fees for accidents and illnesses need the vet visit fees add-on.
- Dental
- Dental illness (extractions, gum disease) only with the dental illness add-on, up to $1,000 a year.
- Alternative therapy
- Physical therapy, acupuncture and hydrotherapy need the physical therapy add-on.
- Wellness
- Optional preventive packages for wellness exams, vaccines and tests.
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month wait for cruciate ligament events; some add-ons have their own waits by state.
- Cured pre-existing conditions
- Pre-existing conditions are not covered.
- Eligibility
- Has an enrollment age limit that isn't published — confirm on a quote. Minimum age 8 weeks. Not sold in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia, Wyoming.
- Multi-pet discount
- Automatic multi-pet discount (amount not published)
- Also sold as
- CarePlus by Chewy
- Underwriter
- Lemonade Insurance Company or Metromile Insurance Company
Good to know
- •Very high annual limits available (up to $100,000)
- •Low base price; pay only for the add-ons you want
- •Claims handled in the app
Watch out for
- !Exam fees, dental illness and physical therapy cost extra
- !Not sold in every state (unavailable in AK, ID, KS, SD, VT, WV and WY at last check)
- !Has an enrollment age limit it doesn't publish — older pets may be declined