Lemonade Pet review

Lemonade Pet is the easiest plan here to buy and claim on. Sign-up and claims run through the Lemonade app, and the company says it pays 50% of eligible claims instantly. Its cost guide states that a policy for a dog or a cat starts at $10 a month, the lowest published entry price for accident and illness cover on this list. You set the annual limit anywhere from $5,000 to $100,000, choose a deductible of $100, $250, $500 or $750, and pick 70%, 80% or 90% co-insurance. The base policy covers diagnostics, surgery, hospitalization and medication for new accidents and illnesses, including hereditary and chronic conditions. Preventive packages add wellness exams, vaccines, dental cleaning and parasite medication, with no waiting period on those benefits. Waiting periods are 14 days for illness and 30 days for orthopedic problems, and pre-existing conditions are excluded. Coverage is sold in 43 states plus Washington, D.C. We compared documented features and published prices.

Who it is for

Most dog and cat owners who want a low starting price, fast app claims and room to choose their own limits.

Price

From $10 a month for a dog or cat policy; price depends on breed, age, state and options.

At Lemonade, a policy for a dog or a cat starts at $10/month.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Annual limit from $5,000 to $100,000
• Deductible of $100, $250, $500 or $750 and co-insurance of 70%, 80% or 90%
• Base policy covers diagnostics, procedures, medication and hospitalization, including hereditary and chronic conditions
• Preventive packages for wellness exams, vaccines, dental cleaning and a puppy and kitten package
• 10% bundle, 5% multi-pet and 5% annual payment discounts

Strengths and weaknesses

• Strength: Lowest published starting price for an accident and illness policy in this list
• Strength: Lemonade says it pays 50% of eligible claims instantly
• Strength: Preventive benefits can be used the day after purchase
• Weakness: Sold in 43 states plus Washington, D.C., not nationwide
• Weakness: Pre-existing conditions are not covered
• Weakness: Orthopedic conditions have a 30-day waiting period

Key facts

• Starting price: $10 a month
• Annual limit: $5,000 to $100,000
• Deductible options: $100, $250, $500, $750
• Waiting periods: 14 days illness, 30 days orthopedic
• Availability: 43 states plus D.C.

Where it ranks

Lemonade Pet is No. 1 in our Best Pet Insurance verdict.