How Much Could Pet Insurance Save You This Year?

You might be spending more on vet care than you need to. Find out what a year of care could cost for your specific pet, and how much Lemonade could put back in your pocket. Your premium is what makes that savings possible, and it’s more affordable than most people expect.

See What Vet Care Could Cost You

Vet bills add up faster than most people expect. Enter your pet’s details to see what a year of care could actually cost, and how much you could save with Lemonade.

The right coverage makes the difference. The earlier you get started, the better your rate and the broader your coverage.

What Makes Your Premium Go Up (Or Down)

No two pets are the same, and no two premiums are either. Here’s what moves the needle:

• Species: Cats are generally cheaper to insure than dogs. They tend to stay indoors, face fewer accident risks, and vet care runs lower overall.
• Age: Older pets need more care, and premiums reflect that. But even a higher premium is a fraction of what a single specialist visit costs.
• Breed: Some breeds are predisposed to conditions that factor into your rate. A hereditary predisposition isn’t automatically a pre-existing condition, but it does play a role.
• Where you live: Vet costs vary significantly by state and city. Your premium is priced to reflect what care actually costs where you are.

What Your Premium Actually Covers

A base Lemonade policy covers accidents and illnesses: the things that show up without warning and send you straight to the vet.

• Diagnostics: Blood work, X-rays, MRIs, CT scans
• Procedures: Emergency care, surgery, hospitalization, specialist visits
• Medications: Prescription drugs and injections

Need more? Lemonade offers five add-ons covering visit fees, physical therapy, dental illness, behavioral conditions, and end-of-life care. Preventative Care packages help offset the cost of wellness visits, vaccines, and routine tests. Your deductible, reimbursement rate, and annual limit are all yours to adjust to find the premium, and coverage, that works best for you.

The Bottom Line

Pet insurance from Lemonade starts at rates that fit a real budget. The earlier you get started, the better your rate and the broader your coverage. Your pet doesn’t know what insurance is, but they know when you show up for them.