Pet Insurance in DC

Got a Chow Chow in Cleveland Park, or a Bloodhound in Brightwood? Cover your pet with Lemonade pet insurance in DC—the smart choice to keep your fur baby happy and healthy in the Capital.

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How much does pet insurance cost in DC?

As of 2025, the average estimated cost of Lemonade pet insurance in DC ranges from roughly $40 to $44 a month, depending on factors like your pet’s breed and age, exactly where you live, and the coverages you choose.
CityAverage monthly premium*
Columbia Heights$40 to $44
Capitol Hill$45 to $49
Logan Circle$40 to $44
Georgetown$45 to $49
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What does a Lemonade pet insurance
policy in DC cover?

A base Lemonade pet insurance insurance policy in DC helps cover the costs of diagnostics, procedures, and medications to treat your cat or dog’s eligible accidents and illnesses. Here are some common types of care that Lemonade pet insurance covers in DC:
  • Bloodwork
  • X-rays
  • MRI
  • CT Scan
  • Lab Work
  • Urinalysis
  • Ultrasounds
  • Cancer
  • Emergency Care
  • Surgery
  • Heart Disease
  • Hospitalization
  • Road Accidents
  • Outpatient Care
  • Allergy Medicine
  • Specialty Care
  • Injections
  • Prescription Medications
  • Arthritis Medications
  • Knee, Elbow, and Hip Dysplasia
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What pet insurance plans does
Lemonade offer in DC?

Our preventative care packages help cover your pet’s regular trips to the vet.
Wellness examWellness exam

Wellness exam

Annual physical checkup for your pet

VaccinesVaccines

Vaccines

Up to 3 vaccines such as Rabies, DHLPP, and Bordetella

Heartworm testHeartworm test

Heartworm test

Annual screening of heartworm infestation

Fecal or internal parasite testFecal or internal parasite test

Fecal or internal parasite test

Annual parasite evaluation test

Routine dental cleaningRoutine dental cleaning

Routine dental cleaning

Including dental x-rays, anesthesia, polishing, and more

Preventative medicationPreventative medication

Preventative medication

Protection for your pet against fleas, ticks, and heartworm

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it’s no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance

Is pet insurance worth it in DC?

Check out how much dog and cat owners have saved on vet bills with pet insurance.

What additional coverage does
Lemonade offer in DC?

You can easily mix and match our add-on coverages to meet your pet’s needs, and your budget.

Visit fees

Helps cover the extra fee vets charge for their time and labor, separate from the actual cost of the treatment.

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Physical therapy

Helps cover things like acupuncture and hydrotherapy related to functionality issues due to an unexpected illness or accident.

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Dental illness

Helps cover the cost of treatments related to eligible dental illness—including crowns, extractions, root canals, dental surgeries, and antibiotics.

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Behavioral conditions

Helps cover the costs of diagnostics, treatments, and therapies related to eligible behavioral conditions—like therapy sessions, prescription medications, and specialized training.

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End-of-life and remembrance

Helps cover the costs related to vet-recommended euthanasia, cremation, or commemorative items—like an urn, framed pictures, digital photo storage, or even a tattoo—even if the pet’s death is not related to an eligible condition.

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How much pet insurance do I need in DC?

The right pet insurance balances your monthly premium with what you can afford for unexpected vet bills. Check out the estimated costs of some common vet services
for cats and dogs in DC.

Estimated vet services costs for dogs across DC

Vet ServiceEstimated cost
Spay (over 6 months)$667 (over 50 lbs)/$582 (under 50 lbs)
Neuter (over 6 months)$552
Professional dental cleaning$474
Office visit$87

Estimated vet services costs for cats across DC

Vet ServiceEstimated cost
Spay (over 6 months)$413
Neuter (over 6 months)$305
Professional dental cleaning$474
Office visit$87

Source: Banfield Pet Hospital

How does pet insurance work in DC?

Lemonade harnesses the power of tech to make the process of filing a pet insurance claim—and getting reimbursed—a breeze
Go to the vetGo to the vet

Go to the vet

If your pet gets sick or injured, just visit any state-licensed veterinarian for the diagnostics, procedures, and medications your furry friend may need to recover.

File a claimFile a claim

File a claim

File a claim on the Lemonade app in minutes. You’ll need a pic of the vet invoice and/or a paid receipt, plus a copy of your medical records or notes from that specific vet visit.

Get reimbursedGet reimbursed

Get reimbursed

Get your money back directly into your bank account from Lemonade for eligible claims. Around 50% of Lemonade pet insurance claims are handled instantly.

FAQs

What are the main safety threats to pets in DC?

In Washington DC, urban hazards like traffic and dog bites are significant threats to pets. Keeping your dog leashed is crucial to prevent accidents and ensure they don’t approach other dogs or people aggressively. Additionally, the city environment can expose pets to harmful substances like rodenticides, which are used to control the rat population. Always supervise your pets outdoors and be cautious of what they might ingest.

In the broader DC area, wildlife such as coyotes can pose a threat, especially in suburban regions where they might roam. It’s important to keep pets indoors at night and secure your yard to prevent encounters. Also, be aware of extreme weather conditions, as DC’s hot summers and cold winters can be harsh on pets.

What are the best dog parks in DC?

Washington DC boasts some fantastic dog parks where your furry friend can run free and socialize.

  • S Street Park near Dupont Circle is a popular spot with antimicrobial turf and plenty of shade for a comfortable playtime.
  • Shaw Dog Park in Logan Circle offers a spacious area with separate sections for small dogs, ensuring a safe environment for all sizes.
  • Rosedale Conservancy in Cleveland Park provides a beautiful, historic setting where dogs can roam off-leash during designated hours.
  • Langdon Dog Park is another great option, known for its cleanliness and thoughtful design, including separate areas for smaller dogs.

What are the top local pet-based businesses in DC?

The US Capital is home to some top-notch pet businesses that cater to all your furry friend’s needs.

  • The Big Bad Woof in Takoma is a favorite, offering a wide range of eco-friendly pet products and holistic foods.
  • Dogma Bakery in Arlington, combines a bakery with grooming services, where your pet can enjoy a pampering session with natural products.
  • Howl to the Chief in Capitol Hill is the place to go if you’re looking for unique pet accessories. They offer everything from stylish collars to gourmet treats.
  • PetMAC DC in Tenleytown provides pet supplies, food, and even adoption events to help you find your next furry family member.

Can I use Lemonade pet insurance at any vet in DC?

Yes, since we work on a reimbursement basis you can use your Lemonade pet insurance policy at any licensed vet in the U.S., including DC.

Where can I adopt a pet in DC?

If you’re looking to adopt a dog in Washington DC, the Humane Rescue Alliance is a great place to start. They have adoption centers located at 71 Oglethorpe St. NW and 1201 New York Ave. NE, open daily for walk-in adoptions. Another excellent option is Lucky Dog Animal Rescue, a volunteer-powered nonprofit dedicated to rescuing homeless and at-risk dogs.

City Dogs & City Kitties Rescue offers a foster-based adoption experience, allowing you to meet dogs in a more personal setting. Additionally, Homeward Trails Animal Rescue provides opportunities to adopt dogs from foster homes, with their adoption center open on weekends. These organizations are committed to finding loving homes for pets in need, making them perfect places to find your new furry friend.

*Lemonade Insurance analyzed policy rates to calculate average pet premiums as of October, 2024. This analysis is based on Lemonadeu2019s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances

Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.