Lemonade's pet insurance earns top ratings in MoneyGeek's analysis, scoring 4.25 out of 5 for cats and 4.5 for dogs. It is affordable and ranks sixth nationally in coverage options. This company requires a two-day waiting period for accidents, shorter than most competitors.
Lemonade Pet Insurance Review
Updated: December 3, 2025
Advertising & Editorial Disclosure
Lemonade Pet Insurance Review: Key Takeaways
Lemonade is the most affordable company for dog insurance; it ranks third for cat insurance, with monthly premiums starting at $41 for dogs and $23 for cats.
Lemondate takes third place nationally for customer experience. It has strong ratings on Trustpilot with a 4.3 out of 5 rating specifically for its pet insurance services.
Lemonade ranks sixth nationwide for coverage, offering comprehensive accident and illness policies with add-ons for preventive care and vet visit fees.
Lemonade Pet Insurance Ratings
Data filtered by:
Dog
| Affordability | 5.00 | 1 |
| Coverage | 3.33 | 6 |
| Customer Experience | 4.38 | 3 |
| Overall Score | 4.50 | 1 |
WHO IS LEMONADE PET INSURANCE BEST FOR?
Lemonade ranks among the best pet insurance companies if you want affordable premiums and high annual limits. The provider also offers a wide range of optional add-ons to supplement its accident and illlness coverage, though most of them come standard with other insurers.
Learn more about the best pet insurance options for your pet:
Lemonade Pet Insurance Ratings by State
Lemonade provides pet insurance in all 50 states. It provides the best pet insurance in 42 states for dogs and 47 states for cats. Lemonade excels in affordability, ranking first in 49 states for dog insurance.
Data filtered by:
Overall Score
Dog
| Alabama | 4.50 | 1 |
| Alaska | 4.50 | 1 |
| Arizona | 4.50 | 1 |
| Arkansas | 4.50 | 2 |
| California | 4.45 | 1 |
| Colorado | 4.50 | 1 |
| Connecticut | 4.50 | 1 |
| Florida | 4.50 | 1 |
| Delaware | 4.50 | 1 |
| Georgia | 4.50 | 1 |
| Hawaii | 4.50 | 1 |
| Idaho | 4.50 | 1 |
| Illinois | 4.50 | 1 |
| Indiana | 4.50 | 2 |
| Iowa | 4.50 | 1 |
| Kansas | 4.50 | 1 |
| Kentucky | 4.50 | 1 |
| Louisiana | 4.50 | 1 |
| Maine | 4.50 | 1 |
| Maryland | 4.50 | 1 |
| Massachusetts | 4.50 | 1 |
| Michigan | 4.50 | 1 |
| Minnesota | 4.50 | 1 |
| Mississippi | 4.50 | 1 |
| Missouri | 4.50 | 1 |
| Montana | 4.50 | 1 |
| Nebraska | 4.50 | 1 |
| Nevada | 4.50 | 1 |
| New Hampshire | 4.50 | 1 |
| New Jersey | 4.50 | 1 |
| New Mexico | 4.50 | 2 |
| New York | 4.50 | 1 |
| North Carolina | 4.50 | 1 |
| North Dakota | 4.50 | 2 |
| Ohio | 4.50 | 1 |
| Oklahoma | 4.50 | 2 |
| Oregon | 4.50 | 1 |
| Pennsylvania | 4.50 | 1 |
| Rhode Island | 4.50 | 1 |
| South Carolina | 4.50 | 2 |
| South Dakota | 4.50 | 2 |
| Tennessee | 4.50 | 1 |
| Texas | 4.50 | 1 |
| Utah | 4.50 | 1 |
| Vermont | 4.50 | 1 |
| Virginia | 4.50 | 1 |
| Washington | 4.50 | 2 |
| Wyoming | 4.50 | 1 |
| West Virginia | 4.50 | 1 |
| Wisconsin | 4.50 | 1 |
Lemonade Pet Insurance Comparison
Check this table to see how Lemonade compares with other pet insurers.
Lemonade vs. AKC | • Dogs: 4.50 vs. 4.30 • Cats: 4.25 vs. 3.85 | AKC edges ahead on coverage, but Lemonade costs less and scores higher overall. |
• Dogs: 4.50 vs. 3.85 • Cats: 4.25 vs. 3.35 | ASPCA offers competitive dog rates, yet Lemonade beats it on both affordability and coverage. | |
Lemonade vs. Embrace | • Dogs: 4.50 vs. 2.55 • Cats: 4.25 vs. 2.30 | Lemonade beats Embrace in every category: affordability, coverage and customer service. |
Lemonade vs. Fetch | • Dogs: 4.50 vs. 2.70 • Cats: 4.25 vs. 2.95 | Fetch offers solid coverage, but Lemonade wins on price and overall scores. |
• Dogs: 4.50 vs. 3.60 • Cats: 4.25 vs. 3.80 | Figo provides more coverage options, but Lemonade costs less and scores higher overall. | |
Lemonade vs. Hartville | • Dogs: 4.50 vs. 3.50 • Cats: 4.25 vs. 3.90 | Hartville matches Lemonade on cat affordability, but Lemonade scores higher for both dogs and cats. |
Lemonade vs. Liberty | • Dogs: 4.50 vs. 2.65 • Cats: 4.25 vs. 2.30 | Lemonade beats Liberty across all categories: affordability, coverage and service. |
• Dogs: 4.50 vs. 3.05 • Cats: 4.25 vs. 2.40 | MetLife lags on coverage and service, while Lemonade offers better affordability and stronger overall performance. | |
• Dogs: 4.50 vs. 2.50 • Cats: 4.25 vs. 2.65 | Nationwide lags on affordability and coverage. Lemonade scores higher for both dogs and cats. | |
• Dogs: 4.50 vs. 4.05 • Cats: 4.25 vs. 3.80 | Pets Best provides solid coverage, but Lemonade wins on price and overall scores. | |
• Dogs: 4.50 vs. 3.70 • Cats: 4.25 vs. 4.15 | Pumpkin competes on cat affordability, but Lemonade costs less for dogs and scores higher overall. | |
Lemonade vs. Rainwalk | • Dogs: 4.50 vs. 4.05 • Cats: 4.25 vs. 3.95 | Rainwalk excels at customer service, but Lemonade wins on price and affordability. |
Lemonade vs. Spot | • Dogs: 4.50 vs. 3.75 • Cats: 4.25 vs. 4.15 | Spot delivers strong customer service, but Lemonade costs less and scores higher overall. |
How Much Does Lemonade Pet Insurance Cost?
Lemonade's pet insurance costs an average of $41 monthly ($487 annually) for dogs and $23 monthly ($271 annually) for cats. Your premium depends on your location and pet breed.
| Dog | $41 | $60 | $487 | $723 | 33% |
| Cat | $23 | $32 | $271 | $379 | 28% |
Lemonade Pet Insurance Rates by State
Pet insurance rates vary by state due to local veterinary costs and claim patterns. Lemonade offers the cheapest cat coverage in Arkansas at $15 monthly and the most expensive in Massachusetts at $29. For dogs, the insurer provides the lowest monthly rate in Arkansas at $27 and the highest in Massachusetts at $52.
Data filtered by:
Dog
| Alabama | $30 | $358 |
| Alaska | $40 | $475 |
| Arizona | $49 | $593 |
| Arkansas | $27 | $327 |
| California | $51 | $617 |
| Colorado | $51 | $613 |
| Connecticut | $46 | $556 |
| Delaware | $41 | $490 |
| Florida | $46 | $552 |
| Georgia | $37 | $440 |
| Hawaii | $41 | $492 |
| Idaho | $41 | $487 |
| Illinois | $50 | $604 |
| Indiana | $37 | $441 |
| Iowa | $34 | $410 |
| Kansas | $37 | $442 |
| Kentucky | $32 | $386 |
| Louisiana | $33 | $392 |
| Maine | $49 | $591 |
| Maryland | $40 | $478 |
| Massachusetts | $52 | $628 |
| Michigan | $41 | $489 |
| Minnesota | $42 | $506 |
| Mississippi | $35 | $414 |
| Missouri | $32 | $384 |
| Montana | $34 | $408 |
| Nebraska | $37 | $440 |
| Nevada | $42 | $505 |
| New Hampshire | $47 | $566 |
| New Jersey | $46 | $551 |
| New Mexico | $36 | $430 |
| New York | $44 | $530 |
| North Carolina | $36 | $434 |
| North Dakota | $31 | $374 |
| Ohio | $37 | $447 |
| Oklahoma | $34 | $407 |
| Oregon | $50 | $606 |
| Pennsylvania | $42 | $507 |
| Rhode Island | $35 | $424 |
| South Carolina | $40 | $479 |
| South Dakota | $36 | $431 |
| Tennessee | $38 | $450 |
| Texas | $43 | $516 |
| Utah | $39 | $465 |
| Vermont | $38 | $453 |
| Virginia | $43 | $520 |
| Washington | $47 | $561 |
| West Virginia | $35 | $421 |
| Wisconsin | $44 | $522 |
| Wyoming | $38 | $452 |
Lemonade Pet Insurance Rates by Breed
Lemonade's premiums change based on your pet's breed. Cat owners pay around $18 monthly for Siamese cats but $25 for Abyssinians. Dog premiums start at $17 for small mixed breeds under 20 pounds and reach $87 for Bullmastiffs.
Data filtered by:
Select
Select
| Abyssinian | $25 | $305 |
| Affenpinscher | $32 | $383 |
| Afghan Hound | $38 | $454 |
| Airedale Terrier | $42 | $507 |
| Akita | $46 | $547 |
| Alaskan Husky | $37 | $446 |
| Alaskan Malamute | $40 | $485 |
| Alsatian | $47 | $568 |
| Alsation | $45 | $542 |
| American Bulldog | $56 | $669 |
| American Bully | $55 | $654 |
| American Eskimo | $31 | $368 |
| American Foxhound | $34 | $413 |
| American Hairless Terrier | $28 | $341 |
| American Staffordshire Terrier | $46 | $556 |
| Australian Cattle Dog | $34 | $407 |
| Australian Kelpie | $37 | $442 |
| Australian Mist | $25 | $300 |
| Australian Shepherd | $28 | $338 |
| Australian Silky Terrier | $29 | $343 |
| Australian Terrier | $28 | $341 |
| Balinese | $23 | $281 |
| Basenji | $30 | $356 |
| Basset Fauve de Bretagne | $38 | $458 |
| Basset Hound | $46 | $557 |
| Beagle | $36 | $432 |
| Bearded Collie | $33 | $394 |
| Belgian Shepherd Malinois | $38 | $454 |
| Bengal | $23 | $271 |
| Bernese Mountain Dog | $78 | $933 |
| Bichon Frise | $30 | $361 |
| Birman | $22 | $262 |
| Bloodhound | $56 | $675 |
| Bombay | $19 | $231 |
| Border Collie | $31 | $373 |
| Border Terrier | $30 | $365 |
| Borzoi | $49 | $585 |
| Boston Terrier | $32 | $385 |
| Boxer | $47 | $563 |
| Bracco Italiano | $38 | $452 |
| Briard | $41 | $486 |
| British Bulldog | $69 | $830 |
| British Longhair | $20 | $237 |
| British Shorthair | $22 | $269 |
| Brussels Griffon | $31 | $367 |
| Bullmastiff | $87 | $1,039 |
| Bull Mastiff | $88 | $1,057 |
| Bull Terrier | $46 | $554 |
| Burmese | $20 | $245 |
| Cairn Terrier | $31 | $377 |
| Cane Corso | $67 | $801 |
| Caucasian Shepherd Dog | $62 | $738 |
| Cavachon | $29 | $348 |
| Cavalier King Charles Spaniel | $35 | $418 |
| Cavapoo | $28 | $337 |
| Central Asian Shepherd Dog | $53 | $639 |
| Chihuahua | $22 | $268 |
| Chinchilla | $21 | $248 |
| Chow Chow | $40 | $484 |
| Clumber Spaniel | $42 | $505 |
| Cockapoo | $25 | $298 |
| Cocker spaniel | $40 | $477 |
| Collie | $39 | $463 |
| Corgi | $42 | $505 |
| Cornish Rex | $23 | $272 |
| Coton De Tulear | $27 | $328 |
| Dachshund | $29 | $352 |
| Dalmatian | $45 | $543 |
| Devon Rex | $23 | $276 |
| Dingo | $31 | $374 |
| Doberman Pincher | $55 | $655 |
| Doberman Pinscher | $78 | $934 |
| Dogue de Bordeaux | $84 | $1,011 |
| Domestic Shorthair | $19 | $231 |
| English Bulldog | $71 | $849 |
| English Foxhound | $33 | $399 |
| English Mastiff | $63 | $759 |
| English Pointer | $38 | $451 |
| English Setter | $37 | $449 |
| English Springer Spaniel | $35 | $426 |
| English Toy Terrier | $30 | $360 |
| Estrela Mountain Dog | $46 | $555 |
| Exotic Shorthair | $25 | $300 |
| Field Spaniel | $38 | $451 |
| Finnish Lapphund | $34 | $412 |
| Foxhound | $35 | $419 |
| Fox Terrier | $31 | $372 |
| French Bulldog | $63 | $760 |
| German Pinscher | $33 | $391 |
| German Shepherd | $41 | $497 |
| German Shorthaired Pointer | $35 | $424 |
| German Spitz | $34 | $403 |
| Giant Mix (100 pounds+) | $39 | $466 |
| Giant Mix (110 pounds+) | $37 | $439 |
| Giant Mix (111 pounds+) | $33 | $402 |
| Giant Mix (90 pounds+) | $49 | $589 |
| Goldendoodle | $32 | $383 |
| Golden Retriever | $43 | $521 |
| Gordon Setter | $45 | $535 |
| Great Dane | $76 | $912 |
| Great Pyrenees | $48 | $572 |
| Greyhound | $45 | $545 |
| Groodle | $29 | $345 |
| Harrier | $36 | $432 |
| Havanese | $25 | $299 |
| Himalayan | $22 | $264 |
| Hungarian Vizsla | $47 | $558 |
| Husky | $33 | $390 |
| Icelandic Sheepdog | $34 | $412 |
| Irish Setter | $38 | $461 |
| Irish Terrier | $33 | $396 |
| Italian Greyhound | $32 | $378 |
| Italian Spinone | $38 | $452 |
| Jack Russell Terrier | $25 | $297 |
| Japanese Chin | $29 | $351 |
| Japanese Spitz | $31 | $366 |
| Kangal Shepherd Dog | $66 | $795 |
| Keeshond | $36 | $435 |
| Komondor | $45 | $536 |
| Labradoodle | $32 | $389 |
| Labrador Retriever | $41 | $492 |
| Large Mix (51-100 pounds) | $34 | $404 |
| Large Mix (51-110 pounds) | $31 | $370 |
| Large Mix (55-90 pounds) | $34 | $412 |
| Large Mix (60-109 pounds) | $37 | $439 |
| Large Mix (61+ pounds) | $34 | $404 |
| Large Mix (71+ pounds) | $61 | $736 |
| Large Mix (Over 70 pounds) | $33 | $402 |
| Lhasa Apso | $29 | $349 |
| Lurcher | $49 | $590 |
| Maine Coon | $25 | $301 |
| Maltese | $26 | $317 |
| Maltipoo | $23 | $272 |
| Medium Mix (20-55 pounds) | $27 | $322 |
| Medium Mix (20-70 pounds) | $28 | $339 |
| Medium Mix (21-70 pounds) | $64 | $763 |
| Medium Mix (23-70 pounds) | $34 | $405 |
| Medium Mix (26-50 pounds) | $28 | $338 |
| Medium Mix (26-59 pounds) | $37 | $439 |
| Medium Mix (31-50 pounds) | $28 | $339 |
| Medium Mix (31-59 pounds) | $28 | $333 |
| Miniature Bull Terrier | $45 | $536 |
| Miniature Dachshund | $32 | $388 |
| Miniature Fox Terrier | $33 | $396 |
| Miniature Pinscher | $28 | $338 |
| Miniature Poodle | $26 | $311 |
| Miniature Schnauzer | $29 | $352 |
| Mixed Breed | $36 | $435 |
| Mixed Breed Giant (>90 lbs) | $51 | $616 |
| Mixed Breed Large (51-90 lbs) | $34 | $404 |
| Mixed Breed Medium (31-50 lbs) | $25 | $301 |
| Mixed Breed Small (>10 lbs) | $21 | $250 |
| Mixed Breed Small (11-30 lbs) | $22 | $262 |
| Mixed breed Small (up to 20lbs when full grown) | $20 | $243 |
| Mixed Dog (21-50 pounds) | $30 | $358 |
| Mixed Dog (51-90 pounds) | $36 | $430 |
| Mixed Dog (91 pounds+) | $38 | $453 |
| Morkie | $27 | $324 |
| Munchkin | $22 | $263 |
| Newfoundland | $69 | $827 |
| Norfolk Terrier | $32 | $379 |
| Norwegian Elkhound | $36 | $430 |
| Norwegian Forest cat | $21 | $258 |
| Norwich Terrier | $30 | $360 |
| Olde English Bulldogge | $76 | $910 |
| Old English Buldogge | $55 | $665 |
| Old English Sheepdog | $42 | $498 |
| Papillon | $27 | $321 |
| Pekingese | $28 | $341 |
| Pembroke Welsh Corgi | $35 | $425 |
| Persian | $22 | $265 |
| Peruvian Hairless Dog | $32 | $383 |
| Petit Basset Griffon Vendeen | $46 | $552 |
| Petit Basset Griffon Vendeens | $35 | $419 |
| Pitbull | $43 | $519 |
| Pointer | $36 | $434 |
| Pomeranian | $29 | $349 |
| Portuguese Water Dog | $39 | $470 |
| Pug | $36 | $426 |
| Puggle | $26 | $315 |
| Puli | $36 | $432 |
| Ragdoll | $20 | $244 |
| Rhodesian Ridgeback | $46 | $554 |
| Rottweiler | $78 | $941 |
| Rough Collie | $40 | $481 |
| Russian Blue | $19 | $228 |
| Saint Bernard | $85 | $1,016 |
| Saluki | $40 | $478 |
| Samoyed | $36 | $438 |
| Savannah | $25 | $300 |
| Schnoodle | $27 | $328 |
| Scottish Deerhound | $53 | $637 |
| Scottish Fold | $22 | $260 |
| Scottish Terrier | $37 | $440 |
| Serengeti | $24 | $286 |
| Shar Pei | $58 | $700 |
| Shetland Sheepdog | $29 | $352 |
| Shiba Inu | $26 | $313 |
| Shih Tzu | $24 | $285 |
| Siamese | $19 | $223 |
Is Lemonade Pet Insurance Expensive?
Lemonade ranks first for dog affordability but third for cats in our study. Your costs depend on your pet's age and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Dog
Middle Aged
$500
$5,000
80%
| $52 | $619 | 28% |
Lemonade Pet Insurance Discounts
Lemonade provides pet insurance discounts. The company offers savings for insuring multiple pets, paying your premium annually and bundling coverage with other Lemonade insurance products.
Multi-pet | 5% | Must insure more than one dog or cat with Lemonade |
Annual | 5% | Must pay the annual premium in full |
Bundle | 10% | Must bundle pet insurance with other Lemonade policies (renters, homeowners, auto) |
Lemonade Pet Insurance Customer Service Reviews and Ratings
Lemonade ranks third nationally for customer service with both cats and dogs. The company receives moderate marks from the Better Business Bureau and solid ratings on Trustpilot. Reddit users show mixed experiences, with many praising Lemonade's responsive service team and helpful support staff, while others report concerns about claim approval delays and slower response times during busy periods.
Lemonade Trustpilot Reviews
Lemonade earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Lemonade's digital platform and customer support. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Lemonade Better Business Bureau Rating
Lemonade holds a B- rating from the Better Business Bureau and is not BBB accredited. The B- grade indicates the company meets some but not all BBB standards for trust and customer complaint resolution. BBB accreditation requires companies to commit to addressing customer issues and following ethical business practices.
Lemonade Pet Insurance Reddit Sentiment
We found 72% of Reddit users were positive, with 23 favorable responses versus nine negative ones. Satisfied customers praised responsive customer service and clear policy language. Critics were worried about claim denials and coverage gaps, reflecting varied experiences with Lemonade's claims process.
Lemonade Pet Insurance Coverage
Lemonade offers pet insurance coverage for dogs and cats. Pet owners can customize policies by choosing deductible amounts, reimbursement levels and annual limits, plus add optional wellness coverage for routine care needs.
$100, $250, $500, $750 | |
$5,000, $10,000, $20,000, $50,000, $100,000 | |
60%, 70%, 80%, 90% | |
Accident coverage | Diagnostics, imaging (X-ray, ultrasound, CT/MRI), surgery, hospitalization, medications, IV fluids, wound care and emergency treatment related to accidental injury |
Illness coverage | Diagnostic testing, treatment for infections and diseases, cancers, digestive/renal/hepatic conditions, chronic illnesses (subject to exclusions for preexisting conditions) |
Pre-existing conditions | Curable pre-existing conditions may be eligible for reimbursement if cured and symptom-free for 12 months |
Bilateral conditions | Bilateral exclusions apply if signs appeared before coverage or within waiting periods; opposite-side conditions may be excluded as pre-existing |
Waiting periods include 2 days for accidents, 14 days for illnesses, 30 days for orthopedic conditions and up to 6 months for cruciate ligament events (timing may vary by state) | |
Enrollment limits | Only insures pets up to 14 years old, depending on breed |
*Coverage varies by state and policy terms. Review your policy documents and contact your insurance provider to understand coverage terms, exclusions, limitations and waiting periods before enrollment.
Lemonade Pet Insurance Coverage Add-Ons
Lemonade offers optional packages and riders to cover routine care and other specific needs. These add-ons have separate benefit schedules and aren't subject to the medical deductible.
Preventative Care package | One wellness exam, three vaccinations and some testing (fecal or internal parasite, bloodwork and heartworm) |
Preventative+ Care package | All Preventative benefits plus routine dental cleaning and flea/tick or heartworm medication |
Preventative Care Package for Puppies and Kittens | Two wellness exams, wellness testing, flea/tick or heartworm medication, spay/neuter procedure and microchip |
End-of-life and Remembrance | Cremation, euthanasia and commemorative items like urns and framed pictures of paw prints |
Physical Therapy | Treatment costs for functionality issues from a covered illness or accident, including acupuncture and hydrotherapy |
Dental Illness | Diagnostics, treatments, medications and procedures for dental illness, such as gingivitis and periodontal disease |
Behavioral Conditions | Therapy sessions, prescription medications and specialized training for eligible behavioral conditions, like separation anxiety and aggressive or destructive behaviors |
Vet Visit Fees | Vet exam fees for eligible accidents and illnesses |
Is Lemonade Pet Insurance Good: Bottom Line
Lemonade charges $41 monthly for dog insurance and $23 for cat coverage on average. The company ranks third nationally for customer experience and maintains moderate Trustpilot and BBB ratings. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional preventive care add-ons available.
Browse through our review guides for the top pet insurance companies for your pet:
Lemonade Pet Insurance Review: FAQ
Find answers to common Lemonade pet insurance questions below.
Is Lemonade pet insurance worth it in 2025?
Yes, Lemonade pet insurance is worth it in 2025. The company ranks first nationally for dog insurance affordability and scores high on customer experience for both cats and dogs.
With monthly premiums of $41 for dogs and $23 for cats, Lemonade provides solid value for pet owners seeking reliable coverage.
What do Reddit users really think about Lemonade pet insurance?
Reddit users show mostly positive feelings toward Lemonade pet insurance. Data reveals 72% positive sentiment, with 23 favorable comments versus nine negative ones. Common Reddit themes include praise for quick customer service responses and a user-friendly mobile app, though some users criticize claim processing delays and coverage exclusions for pre-existing conditions.
Does Lemonade cover pre-existing conditions for pets?
Lemonade excludes pre-existing conditions from pet insurance coverage. The company covers certain curable conditions if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems are generally excluded permanently from coverage.
Can I get a discount for insuring multiple pets with Lemonade?
Lemonade provides a 10% discount when you insure multiple pets on the same policy. This multi-pet discount applies automatically when you add a second pet or more. You may also qualify for additional savings through AAA membership, workplace benefits or other partner programs Lemonade offers.
Is Lemonade pet insurance available in my state?
Yes, Lemonade pet insurance operates in all 50 states. Premium costs vary by location. Cat coverage starts at $15 monthly in Arkansas and reaches $29 in Massachusetts. Dog insurance ranges from $27 per month in Arkansas to $52 in Massachusetts.
How We Rated Lemonade Pet Insurance
Choosing pet insurance means trusting a company to help you afford veterinary care when your dog needs emergency surgery or your cat develops a chronic condition. We designed this evaluation to show you how Lemonade performs across the factors that matter most when you're protecting your pet's health and your budget.
We evaluated the company across three weighted categories that reflect what matters most when you're choosing pet insurance:
- Affordability (50%): Premium quotes across pet breeds, ages and coverage levels, with available discounts factored into actual costs
- Customer Experience (30%): Customer feedback and ratings from Trustpilot and Reddit to measure real user experiences with claims handling
- Coverage Options (20%): Policy benefits, available add-ons and breadth of protection for pet owners
Why these weights: Your monthly premium is what you'll pay throughout your pet's life, making affordability the dominant factor for pet owners managing household budgets. Customer experience carries substantial weight because affordable coverage means nothing if the company denies legitimate claims or takes months to reimburse you after expensive treatments. Coverage options matter because you need policies that actually cover the conditions your pet is likely to develop, from orthopedic issues to cancer treatment.
All pricing comparisons used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit, and 80% reimbursement rate. These mid-range coverage settings balance affordability with meaningful financial protection when your pet needs diagnostic testing, surgery, or ongoing treatment.
This methodology prioritizes real-world value, showing you how Lemonade's pricing, customer service, and coverage stack up against what pet owners actually need when their dog or cat requires veterinary care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Better Business Bureau. "Lemonade Insurance Company." Accessed December 6, 2025.
- Trustpilot. "Lemonade." Accessed December 6, 2025.