Lemonade pet insurance: review, cost, quote and promo code facts
Lemonade pet insurance starts at $10/month for basic accident and illness coverage, reimburses on a customizable co-insurance/deductible basis, and pays claims through its app.
Price condition: Basic accident and illness coverage; actual price varies by coverage choices, breed, age and location (Lemonade cost guide, last updated Jun 3, 2026). Source: https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/.
Lemonade pet insurance facts — every line with its official source
| Fact | Condition to get it | Official source page | Checked |
|---|---|---|---|
| Waiting periods: 14 days for illnesses and 30 days for orthopedic conditions; benefits of the preventative package can be used the day after the policy is purchased. | As described in the FAQ on Lemonade's pet insurance page. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| Pre-existing conditions are not covered; accidents and new illnesses are covered as part of base coverage once waiting periods are up. | Anything the pet showed signs of before the waiting periods are up counts as pre-existing. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| Covered items listed on the official page include bloodwork, X-rays, MRI, CT scans, lab work, ultrasounds, cancer, emergency care, surgery, heart disease, hospitalization, road accidents, outpatient care, allergy medicine, specialty care, injections, prescription medications, arthritis medication, and knee/elbow/hip dysplasia. | Listed under the coverage section of Lemonade's pet insurance page; coverage remains subject to policy terms. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| Any vet in the United States can be used, as long as they are licensed to provide vet care in their state. | Stated on the pet insurance page; no vet network restriction is described. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| You can cancel at any time in the Lemonade app; you get a refund if it is within the first 30 days, and waiting periods reset after cancellation. | Refund window is the first 30 days of the policy. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| Vet exam fees are only covered if you buy the Visit Fee Add-on, and only when the visit is for treating a covered accident or illness. | Add-on must be purchased; the add-on does not cover routine wellness visits. | https://www.lemonade.com/pet/insurance-guide/pet-insurance/ | 2026-09-24 |
| Policies for dogs and cats start at $10/month. | Basic accident and illness coverage; the cost guide states cost varies by coverage amount/type, breed, age and where you live. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Lemonade pet parents pay around $48/month for dogs and around $27/month for cats on average. | Stated as on-average figures across different ages, breeds and locations on the cost guide page (last updated Jun 3, 2026). | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Example quote: a 4-year-old Goldendoodle in Chicago with 80% co-insurance, the maximum annual limit available and a $250 deductible was quoted at $61/month. | Lemonade's own example quote for that specific pet profile, shown in its comparison table. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Example quote: a 1-year-old short-haired cat in Danbury, Connecticut with a $250 deductible, 80% co-insurance and the maximum annual limit was quoted at $29/month. | Lemonade's own example quote for that specific pet profile, base policy with no add-ons or discounts applied. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Deductible options are $100, $250, $500, $750, or $1,000. | Listed on the cost guide as choices that lower the premium. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Discounts published on the official site: multi-pet discount, bundle discount with other Lemonade policies, and a discount for paying annually instead of monthly. | Listed among premium-lowering options on the cost guide; eligibility varies. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Multi-pet discount eligibility depends on where you live. | Stated in the coverage guide FAQ; the discount is removed from your remaining policy if you cancel all but one pet policy. | https://www.lemonade.com/pet/insurance-guide/pet-insurance/ | 2026-09-24 |
| Preventative add-on packages: Preventative for Adult Pets from +$10/Mo, Preventative+ for Adult Pets from +$15/Mo, Preventative for Puppies/Kittens from +$31/Mo. | 'From' prices as published; package availability depends on your location. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| A quote can be completed in as little as 90 seconds. | Stated on the cost guide page. | https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ | 2026-09-24 |
| Lemonade reports 4.9 stars in the App Store and on Google Play. | Self-reported rating displayed on Lemonade's pet insurance page. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| Each pet needs its own policy. | Stated in the pet insurance page FAQ; pets are set up one at a time. | https://www.lemonade.com/pet-insurance | 2026-09-24 |
| No dedicated promo code or coupon page appears in Lemonade's official sitemap. | Sitemap at https://www.lemonade.com/sitemap.xml checked on 2026-09-24; no URL matching promo, coupon, discount or deal was found. The published discounts are the multi-pet, bundle and annual-payment discounts listed above. | https://www.lemonade.com/sitemap.xml | 2026-09-24 |
Lemonade pet insurance review, cost, quote and promo code — FAQ
How much does Lemonade pet insurance cost?
Lemonade states that policies for dogs and cats start at $10/month for basic accident and illness coverage. Its own averages are around $48/month for dogs and around $27/month for cats; its example quotes are $61/month for a 4-year-old Goldendoodle in Chicago and $29/month for a 1-year-old short-haired cat in Danbury, Connecticut, both at $250 deductible and 80% co-insurance. Cost varies by coverage, breed, age and location.
Source: https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ · checked 2026-09-24
How do I get a Lemonade pet insurance quote?
Lemonade's own site says a quote takes as little as 90 seconds. The quote entry point on its pet insurance page is labeled 'CHECK OUR PRICES'.
Source: https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ · checked 2026-09-24
What does Lemonade pet insurance cover?
The official page lists bloodwork, X-rays, MRI, CT scans, lab work, ultrasounds, cancer, emergency care, surgery, heart disease, hospitalization, road accidents, outpatient care, allergy medicine, specialty care, injections, prescription medications, arthritis medication and knee/elbow/hip dysplasia. Vet exam fees are covered only with the Visit Fee Add-on and only for a covered accident or illness. Coverage is subject to policy terms.
Source: https://www.lemonade.com/pet-insurance · checked 2026-09-24
What are Lemonade pet insurance waiting periods?
14 days for illnesses and 30 days for orthopedic conditions. If you bought a preventative package, its benefits can be used the day after purchase.
Source: https://www.lemonade.com/pet-insurance · checked 2026-09-24
Are there Lemonade pet insurance promo codes or discounts?
Lemonade's official sitemap contains no promo code or coupon page (checked 2026-09-24). The discounts published on its own site are a multi-pet discount (eligibility depends on where you live), a bundle discount with other Lemonade policies, and a discount for paying annually instead of monthly.
Source: https://www.lemonade.com/pet/insurance-guide/pet-insurance-cost/ · checked 2026-09-24
What do reviews of Lemonade pet insurance say on its own site?
Lemonade reports 4.9 stars in the App Store and on Google Play on its pet insurance page. That is Lemonade's self-reported figure, not an independent audit.
Source: https://www.lemonade.com/pet-insurance · checked 2026-09-24
This page is not affiliated with Lemonade. It repeats only what Lemonade publishes on its own official pages; policy terms always govern. Facts last checked 2026-09-24.