Lemonade Pet Insurance
Lemonade is a monthly pet insurance membership, not a free trial, so there is a premium from day one and a card is required.
Exit grade B: You can cancel yourself in the Lemonade app with a Cancel policy button, with no fee and a pro-rated refund. It is the only carrier in our pet set you can leave without calling or emailing, so it earns the best exit grade here.
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Lemonade Pet Insurance: Lemonade is a monthly pet insurance membership, not a free trial, so there is a premium from day one and a card is required. A credit card is required to start. Cancelling is easy - about 5 minutes. Our take: Lemonade is the honest default for most dog and cat owners.
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Our take
Lemonade is the honest default for most dog and cat owners. It's got the lowest entry premiums in our set, app-based claims that often pay in minutes, and reimbursement, deductible, and annual limit you can tune to your budget. It's also the one pet insurer here you can cancel yourself, in-app, with a pro-rated refund. Two honest caveats, though. It's a younger insurtech, so claims-experience reviews run more mixed than the boutique carriers, and wellness is an add-on rather than included. Want the simplest unlimited plan instead? Look at Healthy Paws. Want the vet paid directly at checkout? Trupanion's your pick. Track your renewal here and we'll send a reminder before each one, so nothing surprises you.
Lemonade Pet Insurance at a glance
| Accident and Illness plan | |
|---|---|
| Typical monthly premium | Dogs from about $12 to $44+, cats from about $12 to $23+, varies widely |
| Reimbursement options | 70%, 80%, or 90% |
| Annual deductible | $100, $250, $500, or $750 |
| Annual payout limit | $5,000 up to $100,000 |
| Waiting periods | Accident 0 to 2 days, illness 14 days, orthopedic 6 months (waivable) |
| Wellness / preventive | Optional add-on, not included |
| Key exclusions | Pre-existing conditions; routine care unless add-on purchased |
| Cancellation | Self-serve in-app, pro-rated refund, no fee |
Researched July 2026. Premiums vary by species, breed, age, and ZIP - these are honest ranges, not a quote. Get a real quote before deciding.
What you get
The Lemonade Pet Insurance Accident and Illness (customizable) plan
Included · 6
Accident and illness coverage with diagnostics, procedures, surgeries, and prescription medications for covered conditions
Reimbursement you choose at 70, 80, or 90 percent after your annual deductible
An annual deductible from $100 to $750 and an annual limit from $5,000 to $100,000
Claims filed and often paid through the app, with some simple claims reimbursed in minutes
Optional add-ons for vet-visit fees, wellness and preventive care, dental illness, physical therapy, and behavioral care
Self-serve cancellation in the app, with a pro-rated refund and no cancellation fee
Worth knowing
Pre-existing conditions - anything your pet showed signs of before coverage or during a waiting period is excluded, as it is with every carrier
Routine and wellness care in the base plan - annual exams, vaccines, and dental cleanings need the optional wellness add-on
Coverage during waiting periods - illness has a 14-day wait, and orthopedic and cruciate conditions have a 6-month wait for dogs unless an early vet exam waives it
A guaranteed flat premium - your rate generally rises as your pet ages and with local vet-cost inflation
Some add-ons in some states - which optional coverages are sold varies by where you live
The honest data
By the numbers
- Pricing
- Lemonade is a monthly pet insurance membership, not a free trial, so there is a premium from day one and a card is required. Premiums vary a lot by your pet's species, breed, age, and your ZIP code, so treat any number as a starting point and get a real quote. Researched July 2026: advertised entry premiums start around $12 to $15 a month, with a common real-world example landing near $44 a month for a mixed-breed dog and $23 a month for a cat at a $20,000 annual limit, a $250 deductible, and 80 percent reimbursement. You choose your reimbursement rate (70, 80, or 90 percent), your annual deductible ($100 to $750), and your annual limit ($5,000 to $100,000). Premiums generally rise as your pet ages. Wellness and vet-visit-fee coverage are optional add-ons, not part of the base plan.
- Card required
- Yes
- Cancellation
- Easy
- Time to cancel
- ~5 min
Around the web
What others say about Lemonade Pet Insurance
Curated outside takes. We don't edit them, we just point at them.
At a glance
3 reviews from 3 sources
Topline: Polarized
1 positive1 mixed1 factual
Our read across dimensions
- Product quality
- Value
- Cancellation
- Honest billing
- Customer support
Reviewer
Forbes Advisor
Lemonade Pet Insurance Review 2026
“Highlights low starting premiums, fast app-based claims, and flexible reimbursement, deductible, and limit choices, while noting wellness is an add-on and availability of some options varies by state.”
Independent editorial review; details summarized from the piece, which is updated over time.
Read on forbes.comReviewer
Pawlicy Advisor
Lemonade Pet Insurance Review, Costs, and Ratings
“Notes strong value and a slick app alongside more mixed claims-experience feedback than some boutique carriers, and that premiums rise with a pet's age.”
Independent editorial review; sentiment summarized from the piece.
Read on pawlicy.comReviewer
Insurify
How to Cancel Your Lemonade Pet Insurance Policy
“Confirms cancellation is self-serve in the app via a Cancel policy button, with no cancellation fee and a pro-rated refund, plus phone and email alternatives.”
Third-party how-to guide corroborating the self-serve cancel path behind our Exit Grade.
Read on insurify.com
What’s new with Lemonade Pet Insurance
- Feature changeSep 22, 2026
Lemonade Pet Insurance expands to Kentucky, now in 44 states
Lemonade announced on September 22, 2026 that it launched Lemonade Pet Insurance in Kentucky, bringing its pet coverage to 44 states plus Washington, D.C. Kentucky customers can get a quote, customize coverage, and file claims through the Lemonade app.
Cancellation guide
How to cancel Lemonade Pet Insurance
Documented · ~5 min
- 01
Open the Lemonade app and go to your pet policy
- 02
Tap the policy, then choose Cancel policy
- 03
Pick an effective date and confirm - there is no fee, and you get a pro-rated refund for the unused time you already paid for
- 04
If you prefer not to use the app, you can call (844) 733-8666 or email help@lemonade.com to cancel instead
Full guide: how to cancel Lemonade Pet Insurance
Lemonade Pet Insurance free trial - frequently asked
- How much does Lemonade Pet Insurance cost?
- Lemonade is a monthly pet insurance membership, not a free trial, so there is a premium from day one and a card is required. Premiums vary a lot by your pet's species, breed, age, and your ZIP code, so treat any number as a starting point and get a real quote. Researched July 2026: advertised entry premiums start around $12 to $15 a month, with a common real-world example landing near $44 a month for a mixed-breed dog and $23 a month for a cat at a $20,000 annual limit, a $250 deductible, and 80 percent reimbursement. You choose your reimbursement rate (70, 80, or 90 percent), your annual deductible ($100 to $750), and your annual limit ($5,000 to $100,000). Premiums generally rise as your pet ages. Wellness and vet-visit-fee coverage are optional add-ons, not part of the base plan.
- How do I cancel Lemonade Pet Insurance?
- To cancel Lemonade Pet Insurance: 1. Open the Lemonade app and go to your pet policy; 2. Tap the policy, then choose Cancel policy; 3. Pick an effective date and confirm - there is no fee, and you get a pro-rated refund for the unused time you already paid for; 4. If you prefer not to use the app, you can call (844) 733-8666 or email help@lemonade.com to cancel instead. It takes about 5 minutes and is rated easy to cancel.
- Do I need a credit card for the Lemonade Pet Insurance trial?
- Yes - Lemonade Pet Insurance requires a credit card to start the free trial, so note when it converts to a paid plan.
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