How to File a Pet Insurance Claim

It's so simple, your dog could probably do it. (Don't let your dog do it.)

Team LemonadeTeam Lemonade
pet insurance claim

So your cat or dog is covered with Lemonade Pet—great choice, by the way—and now you’re ready to make your first claim for a vet visit or other treatment.

Any issue with your pet’s health can be stressful, so we made sure that our claims process is as easy as possible.

Now, without any further ado, let’s walk you through everything nice and slow. Let’s do it!

Before your start, keep in mind:

Waiting periods

Your pet isn’t eligible for reimbursement the moment you buy your policy. Your new policy has different waiting periods, that vary by state, before you can file a claim. 

Medical records 

At Lemonade, we require a medical record that includes info from a visit that took place within 12 months of your policy’s start date (also called SOAP medical records). Once we have these records, you’re all set to file your first claim.

File your claim on time

In order to be eligible for coverage, you’ll need to file a claim through our app within 180 days of treatment, and provide all necessary information that’s requested during that process. If you have a Lemonade Pet policy in Texas, you have 90 days to file a claim.

Lemonade works on a reimbursement basis

You pay treatment costs up front, before you file a claim. After your claim is approved, your deductible is subtracted, and your co-insurance is applied—and then the resulting amount goes back in your bank account. 

Here’s what you need to get started

  • Get a copy of the vet invoice and/or a paid receipt, and take a pic of it 
  • Get a copy of your medical records or notes from that specific vet visit

Step 1: Head to the Lemonade app

Open the app on your phone. If you don’t have the app yet, download it and sign in with the email you used when getting your Lemonade policy.

Once in the Lemonade app, hit the pink ‘File a Claim’ button in the top right-hand corner.

Step 2: Meet AI Jim

Meet our claims expert, AI Jim. He doesn’t bite! He’ll start off by asking you to sign a pledge to verify everything you tell us about your claim is truthful and honest. 

Step 3: Tell us what happened to your furry friend

Select the reason for this claim to let us know what happened. Has Fluffy been in an accident? Is she sick? Is this just a routine vet visit? Be as specific as you can. Share basic info as well as your vet visit details. 

Step 4: Record and submit a short video

Explain exactly what happened in a short video recording. It should only take about a minute (and it’s a lot easier than typing out all that info). Pretend you’re talking to a friend, and let us know the details of the incident or treatment you’re submitting a claim for, such as what, when, and how it happened. 

Don’t worry, your video is completely confidential; we’ll only use it in order to review your claim. 

Step 5: Upload documents and submit!

Tell us what you’re claiming for, exactly. Provide an invoice and receipt, and let us know what you’d like to be reimbursed for. For example, has Luna been in an accident and now needs medication that you’d like us to help cover? The more details we have, the easier it will be to process your claim.

Step 6: Get paid

We’ll review and handle it. Our team will review your claim and wire funds to your account, if it’s approved.

And that’s it! We hope you find the process painless, stress-free, and very, very simple. If so, spread the word and tell a friend about Lemonade Pet so they can get in on some of the fun (and you can earn some cash to spend on Amazon too, as a thank you). 


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.