Lemonade's Pet Insurance Add-Ons, Explained

Your pet deserves more coverage, as a treat.

You’ve taken the time to customize your pet’s collar, their water bowl, even their haircut—so why not customize their pet insurance coverage? 

A basic accident & illness pet health insurance policy with Lemonade Pet will help cover the costs of diagnostics, procedures, and medications to treat your dog or cat’s eligible accidents and illnesses, but Lemonade also offers lots of additional ways to tailor your pet’s coverage to meet their needs —and your budget. 

Let’s get into it. 

What’s an add-on? 

Add-ons are optional coverages that help cover the costs of specific veterinary care and pet-related expenses not otherwise covered by the base accident & illness Lemonade Pet policy. 

Currently, Lemonade offers a vet visit fee add-on, a physical therapy add-on, a dental illness add-on, and an end-of-life add-on, each of which provides additional coverage in case of an accident or illness. 

We’ll break down what our add-ons cover—and what they don’t.

Here’s what we’ll discuss: 

Vet Visit Fees 

What it covers

With the vet visit add-on, we’ll help pay for vet visit fees that are charged for eligible accidents and illnesses. This is the fee some vets charge for their time and labor, in addition to the actual cost of the treatment, which is covered by a base accident & illness policy.

If your Tabby breaks their leg while enthusiastically hunting a fly, he’ll need to be examined by the vet before getting an x-ray, a cast, and pain medicine. Your base policy would cover the treatments your vet recommends except for the vet examination, but with this add-on, you’d be covered for the examination as well. 

Lemonade’s vet visit fee add-on is subject to your base policy’s co-insurance and annual deductible. 

What it doesn’t

This add-on will not cover your pet’s annual wellness exam or other preventative care (more on that in a minute), or vet visit fees related to pre-existing conditions. 

Can I get coverage for my pet’s routine care?

You sure can! 

If you’re looking to get coverage for your pet’s routine care, adding the Preventative package, Preventative+ package, or our Preventative package for puppies and kittens to your base policy will help cover things you’re probably already paying for towards your pet’s health, like your pet’s annual wellness exam, vaccinations, a heartworm test, routine dental cleaning, blood and fecal tests, spaying and neutering (if you have a puppy or kitten), and more! 

Physical Therapy 

What it covers

If you add our physical therapy add-on to your base policy we’ll be able to reimburse you for treatments related to functionality issues as a result of an unexpected illness or an accident.

What does that mean? Let’s say your energetic Pomeranian sprains her knee while running to greet you at the door. Your base policy covers necessary X-rays and surgery. With the physical therapy add-on, she’ll be able to recover in style—including perks like acupuncture and hydrotherapy. 

Lemonade’s vet physical therapy add-on is subject to your base policy’s co-insurance and annual deductible. 

What it doesn’t

“Alternative medicines”, like CBD or aromatherapy treatments, as well as treatments related to pre-existing conditions.

Dental Illness 

What it covers 

The dental illness add-on can help cover the cost of treatments, procedures, diagnostics, and medications related to dental illness. This includes: crowns, extractions, root canals, dental surgeries, and treatments for gum disease like gingivitis and periodontal disease. 

Lemonade’s dental illness add-on is subject to your base policy’s co-insurance and annual deductible, and has a $1,000 annual limit. 

We recommend this coverage for dogs under five and cats under three. 

What it doesn’t

Dental illness related to a pre-existing condition, orthodontics, preventative items (like your dog’s toothbrush and toothpaste), and routine dental cleaning—but routine cleaning could be covered by Lemonade’s Preventative+ package

End-of-life and Remembrance

What it covers

If you opt for Lemonade Pet’s end-of-life and remembrance add-on, you can get coverage for costs related to vet-recommended euthanasia, cremation, or to help pay for commemorative items like an urn, framed pictures or paw prints, digital photo storage, or even a tattoo to help you memorialize and remember your pet.

Notably, Lemonade’s end-of-life and remembrance add-on still offers coverage if your vet recommends euthanasia as the result of a pre-existing condition. 

Lemonade’s end-of-life and remembrance add-on is not subject to your base policy’s co-insurance and annual deductible, and has a up to $500 limit.

What it doesn’t

Funeral or burial costs like coffins, headstones, cemetery fees, or burial permits. This coverage also doesn’t cover preservation services like taxidermy, mausoleums, cloning, mummification, or cryonics. The end-of-life and remembrance add-on is also subject to Lemonade Pet’s accident & illness waiting period (2 and 14 days, respectively). 

How do I “add” an add-on to my policy? 

We thought you’d never ask. 

If you currently have a Lemonade Pet policy, we’ll be able to review your options with you the next time you renew your policy (don’t worry, you’ll get a reminder email from us). If you happen to be new to Lemonade Pet Insurance, you can update your policy within the first 14 days after purchase. 

If you don’t have a Lemonade Pet insurance policy (yet), you can include add-ons as you finalize and customize your policy after receiving your quote. 

Eliana Sagarin

Eliana Sagarin is an Editorial Strategist at Lemonade.


Please Note: These definitions don’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade. They are intended for educational purposes only - they’re not meant to be used in lieu of professional legal or financial advice. We’ll do our best to keep them updated, but they may not always reflect current industry developments. Feel free to use the terms with attribution (friends don’t let friends plagiarize!)

Property and casualty insurance provided by Lemonade Insurance Company, 5 Crosby St., 3rd floor, New York, NY 10013. Life Insurance provided by North American Company for Life and Health Insurance®, Administrative Office, One Sammons Plaza, Sioux Falls, SD 57193.

Lemonade Insurance Agency, LLC (LIA) is acting as the agent of Lemonade Insurance Company and Lemonade Life Insurance Agency, LLC (LLIA) is acting as the agent of North American Company for Life and Health Insurance®. Both LIA and LLIA receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

LLIA is a sub-producer of Bestow Agency, LLC. Life insurance quotes are provided by Bestow Agency, LLC dba Bestow Insurance Services in CA, who is the licensed agent. Term Life insurance policies are issued on North American Company for Life and Health Insurance® policy form LS181 and LS182, or state version including all applicable endorsements and riders. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. Not available in New York. Our application asks about your lifestyle and health; your answers allow us to save you time and avoid offline medical exams.