Pet insurance with super fast everything

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Insurance for the 21st century

Hassle-free digital experience. Lightning fast claims payment. Powered by AI.

America’s top-rated insurance, now for cats and dogs

Lemonade has earned 4.9 stars in the App store, and is also top-rated by Supermoney, Clearsurance, and others

CRetweetist

Chief retweetist

CRetweetist

Where do I sign @Lemonade_Inc?

MickaelCostache

Mickael Costache

MickaelCostache

What @Lemonade_Inc has built is pretty unbelievable. Such an amazing user experience in this "non sexy" insurance industry. Congrats to the team!

nzlata

Nonna Polonskaya

nzlata

Thanks to @Lemonade_Inc for a much needed dose of inspiration for the insurance industry! ✊ #innovation #insurtech

GoldieChan

Goldie Chan

GoldieChan

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI 💚👍

TziokasV

Vassilis Tziokas

TziokasV

Traditional business model re-invented by digital technologies. Focus on a great #CustomerExperience. Behavioral economics engineering. Promoting social impact. Kudos to @Lemonade_Inc for showing how true #digitaltranformation is done!

annbordetsky

Ann Bordetsky

annbordetsky

This company made INSURANCE of all things fun and exciting. And then backed it up with a fantastic biz. I’m in awe of @Lemonade_Inc. 👏

ATL_Brit

Andrew

ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc. Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. Just love these guys on how simple they make life.

hicharlotteann

Charlotte Ann

hicharlotteann

Ah! I can't wait to get my kitties on @Lemonade_Inc so they can be insured under the same roof that Lemonade also insures.

RebelliaRose

Rebellia Rose

RebelliaRose

They are now offering #affordable #pet owners #insurance ! I #LOVE this company! @Lemonade_inc

CRetweetist

Chief retweetist

CRetweetist

Where do I sign @Lemonade_Inc?

MickaelCostache

Mickael Costache

MickaelCostache

What @Lemonade_Inc has built is pretty unbelievable. Such an amazing user experience in this "non sexy" insurance industry. Congrats to the team!

nzlata

Nonna Polonskaya

nzlata

Thanks to @Lemonade_Inc for a much needed dose of inspiration for the insurance industry! ✊ #innovation #insurtech

GoldieChan

Goldie Chan

GoldieChan

Wow, just got insurance with @Lemonade_Inc and it was super easy - took 10-15m. Strong customer service and cute UI 💚👍

TziokasV

Vassilis Tziokas

TziokasV

Traditional business model re-invented by digital technologies. Focus on a great #CustomerExperience. Behavioral economics engineering. Promoting social impact. Kudos to @Lemonade_Inc for showing how true #digitaltranformation is done!

annbordetsky

Ann Bordetsky

annbordetsky

This company made INSURANCE of all things fun and exciting. And then backed it up with a fantastic biz. I’m in awe of @Lemonade_Inc. 👏

ATL_Brit

Andrew

ATL_Brit

Had an awesome experience within the last 12 months with @Lemonade_Inc. Had an awesome adjuster for a home insurance claim, renewed at a reasonable price AND just purchased a new Pet policy. Just love these guys on how simple they make life.

hicharlotteann

Charlotte Ann

hicharlotteann

Ah! I can't wait to get my kitties on @Lemonade_Inc so they can be insured under the same roof that Lemonade also insures.

RebelliaRose

Rebellia Rose

RebelliaRose

They are now offering #affordable #pet owners #insurance ! I #LOVE this company! @Lemonade_inc

The coverage your pet actually needs

Carefully crafted in collaboration with our vet team and lots of excited pet parents
Pet insurance diagnostics
Diagnostics
Blood tests, urinalysis, x-rays, MRIs, labwork, CT scans, and ultrasounds
Pet insurance procedures
Procedures
Outpatient, specialty and emergency care, hospitalization, and surgery
Pet health insurance with medications
Medication
Injections and prescription meds

Huge savings on tests, vaccines, and essential care

Save $$ on your vet bills for annual routine care with our preventative packages
Pet wellness exams
Wellness exam
Annual physical checkup for your pet
Pet fecal or internal parasite test
Fecal or internal parasite test
Annual parasite evaluation test
Pet heartworm test
Heartworm test
Annual screening of heartworm infestation
Pet bloodwork tests
Bloodwork
Annual detection of diseases before symptoms appear
Pet vaccines
Vaccines
Up to 3 vaccines such as Rabies, DHLPP, and Bordetella
Routine pet Dental cleaning
Routine Dental Cleaning
Including dental x-rays, anesthesia, polishing, and more
Flea tick or heartworm medication
Flea/Tick or Heartworm Medication
Protection for your pet from common pests
Pet medical advice chat
Medical advice chat
Expert online medical advice for the ultimate peace of mind

Made for puppies and kittens

A preventative care package designed especially for the youngest members of your fur fam.
It covers important procedures like spaying or neutering, microchipping, flea medication, and up
to six vaccines or boosters.

Good to know...

Here are a few important things to note about your pet health insurance plan. If you still have questions, you can check out pet insurance explained.

What does pet insurance cover?

A base accident and illness policy can help cover diagnostics, procedures, medications, and hospitalizations related to new accidents (like broken bones) and illnesses, including hereditary conditions (like hip dysplasia), chronic conditions, infestations, and infections.

How does pet insurance work?

Lemonade Pet insurance gives you coverage when your pet experiences a new accident or illness, saving you money on unexpected vet bills. Plus, Lemonade Pet offers several preventative packages and add-ons, so you can customize your policy based on your pet’s needs.

Why should I get pet insurance?

Unforeseen vet bills can add up, which can leave you having to make the difficult decision between your pet’s health and your financial stability. Pet insurance gives you the security of knowing that if the unexpected happens to your pet, you won’t have to drain your savings.

How do I add another pet?

Each pet needs their own policy, but you’ll need to set them up one at a time. After purchasing a pet insurance policy for your first pet, just hit the + symbol on your Lemonade app’s home screen to get a new quote for your other dog or cat. Plus, you can unlock a 5% multi-pet discount.

What are waiting periods?

Like all pet insurers, we have waiting periods before certain coverages kick in - 2 days for accidents, 14 days for illnesses, and 6 months for cruciate ligament events. But if you opted for our preventative package, you can use the benefits in that package the day after you purchased the policy!

Do you need my pet’s medical records?

We want to get to know your pet so we can provide the best experience. After you purchase your insurance policy, we’ll ask for your pet’s medical records, which show vital information and help us understand if your pet has previous health issues, aka pre-existing conditions. This will also help speed up the process when reviewing your claim!

What are pre-existing conditions and are they covered?

Anything your pet has shown signs of before the policy’s waiting periods are up would be considered a pre-existing condition. But we’ve got your back in case of accidents and any new illnesses, as part of our base coverage.

How do pet insurance claims work?

Lemonade Pet works on a reimbursement basis. You’ll pay the vet bill up front, and then you can immediately file a claim on the Lemonade app. Once it’s approved, we’ll issue a reimbursement directly to your bank account, keeping in mind your deductible and co-insurance.

Can I go to any vet?

You can go to any vet you like in the US. As long as they’re licensed to provide veterinary care in the state they operate in, it’s fair game.

Does Lemonade offer pet insurance near me?

Lemonade’s pet insurance is currently available in 37 states, plus Washington, D.C.— check out where Lemonade Pet (and all our other coverages) are available.

Can I change my coverage after purchase?

You can request to increase your coverage within the first 14 days of your policy, and at your policy’s renewal. However, in most states, you can request to decrease your coverage at any time. All changes are subject to our underwriting team’s approval.

Can I cancel my policy at any time?

Yes, you can cancel your policy at any time through the Lemonade app. Keep in mind that our waiting periods will reset, and anything that occurred or was diagnosed during your first policy would be considered pre-existing conditions on a future policy.

Sweet prices. Sweeter value

checked10% bundle discount
checked5% multi-pet discount
checked5% annual discount
Check our prices

Good for your pet, and for the world

Lemonade is a public benefit corporation. We take a flat fee on premiums up front before we pay claims. Then, we donate what’s left to meaningful causes our customers choose—including animal welfare organizations.