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How to choose the best pet insurance plan

Ask yourself these questions to help you make the right decision for you and your pet


What do you and your pet need? Are you able to customize your coverage and premiums to meet those needs?


Can you file claims easily or the way you want? How long does it take for claims to be approved?


How much do you feel comfortable paying for pet insurance? Do you prioritize lower premiums or higher payouts?

How Lemonade pet insurance compares

Lemonade Pet was designed by vets and pet-obsessed people. See how our best-in-class coverage and opportunities to save stack up to the competition.

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Fully customizable coverages
Comprehensive preventative plans
Option to cover spaying / neutering
Bundle discount
Annual payment discount
Multi-pet discount
Instant claim handling
Ability to submit claims through the app
App store rating
Trustpilot rating

Pet parents love Lemonade

Customizable coverage, seamless claims, and compassionate customer support —it's no wonder why hundreds of thousands of pet parents choose Lemonade pet insurance to help cover their vet bills

Good to know...

Here are a few important things to note about your pet health insurance plan. If you still have questions, you can check out pet insurance explained.

How can I change the cost of my pet insurance?

With Lemonade, you can select your annual deductible, co-insurance, and annual limit. This allows you to decide how much you pay in premiums and receive in future reimbursements. Lemonade also offers discounts for multiple pets, annual payments, and bundling.

How can I customize my Lemonade pet insurance policy?

We offer several routine care packages that help cover things like vaccines and wellness visits. We also offer additional coverages for: Vet visit fees, physical therapy, behavioral conditions, dental illness, and end-of-life and remembrance.

How do pet insurance claims work?

Lemonade Pet works on a reimbursement basis. You’ll pay the vet bill up front, and then you can immediately file a claim on the Lemonade app. Just about 50% of our claims are handled instantly. Once approved, we’ll issue a reimbursement directly to your bank account, keeping in mind your deductible and co-insurance.

What sets Lemonade apart from other pet insurers?

Lemonade offers a combination of customizability, affordability, and convenience that’s hard to beat. Coverages and add-ons can be tailored to your pet’s needs and your budget. Plus, you can manage your policy and file claims directly through the easy-to-use Lemonade app.

What are pre-existing conditions and are they covered?

Anything your pet has shown signs of before the policy’s waiting periods are up would be considered a pre-existing condition. But we’ve got your back in case of accidents and any new illnesses, as part of our base coverage.

How can I reach Lemonade customer support?

Our warm, efficient, and compassionate customer support is available through the Lemonade app, at [email protected], and you can always chat with a real person via phone at 1-844-733-8666.

Comparison information is provided using publicly available information as of May 2024 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing [email protected].This product information is for descriptive purposes only and does not provide a complete summary of any company’s coverage. Consult the applicable insurance policy for specific terms, conditions, limits, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.For the full terms of Lemonade pet Insurance policies visit Products and rates may vary and are subject to change. Discounts may vary and are subject to change.Residents of DE, LA, ME, MS, NE, NH, WA, will receive an Insurer Disclosure of Important Policyholder Provisions in the quote flow and policy documents.Property and casualty insurance is provided by Lemonade Insurance Company (LIC), 5 Crosby St., 3rd floor, New York, NY 10013 or Metromile Insurance Company (MIC), 3080 N. Civic Center Plaza, Scottsdale, AZ 85251.Lemonade Insurance Agency, LLC (LIA) and Metromile Insurance Services LLC (MIS) are licensed insurance agents and appointed by LIC and MIC and both LIA and MIS receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.