Lemonade Pet

Young pets & first-year preventive care

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ComprehensiveAccident Only

Est. monthly (dog)

~$30/mo

Est. monthly (cat)

~$22/mo

Reimbursement

70%, 80%, 90%

Annual deductible

$100–$500

Annual max

$10,000–$100,000

Age range

Under 14 years

Illness wait

14 days

Accident wait

None (starts day after enrollment)

✗ No coverage for pre-existing conditions

Praised for

✓Accident coverage starts the day after enrollment (no wait)
✓Puppy/kitten package covers spay/neuter, microchip, and vaccines
✓AI-powered claims often resolved in seconds

Watch out for

✗Not available in all states
✗Annual max cap (not unlimited)

1 Reddit posts

Most upvoted Newest

All pets 🐶 Dogs 🐱 Cats

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r/PetAdvice🐱Apr 20, 2026

How does pet insurance work?

I got some pretty bad news about my cat last night and had to pay a hefty vet bill in the process which made me want to look into pet insurance, specifically Lemonade, but I don't guess it really matters the company. I was talking to the people at the vet and they explained to me that they way a lot of it works is that I would get an invoice or something for a refund? Does that mean if I had a $1000 vet bill I'd still have to pay that myself then send an invoice or something to the insurance company and they would send me a refund? Or does it act like a normal insurance company for people where I have a card and it goes like that?