What to Do After Getting Your Pet Insurance Policy

School yourself on waiting periods, medical records, and more.

Team LemonadeTeam Lemonade

It’s official: You got insurance for your pet, and you’re now the most responsible pet parent ever. Congrats! 

But now that you’ve signed up, you might have some basic questions about your policy. Your policy becomes effective the day after you purchase it, but then what? Don’t worry… we’re here to unpack all the things you need to now to get the most out of your new insurance.

Here’s what we’ll cover:

GET YOUR PET COVERED

Waiting periods

Health insurance policies always have waiting periods, and your pet’s policy is no exception. That means your pet isn’t eligible for reimbursement the moment you buy your policy. Here’s an example of different waiting periods that could go into effect after you sign up—but it’s important to check your policy details, as you might have different waiting periods, depending on your state.

  • 2 days for accidents 
  • 14 days for illnesses 
  • 6 months for cruciate ligament events (a scary-sounding term for a common knee injury)

Once these periods are up you’ll be able to file a claim. Why do they exist? Waiting periods are designed to protect our Lemonade community from someone who buys a policy just to cover one procedure—and then drops out. You can learn more about waiting periods here.

Pet medical records

Before you can file a claim we need a medical record that includes info that covers the last 12 and a half months of your pet’s life (this includes the 14-day illness waiting period on your policy). If your pet is less than a year old, the medical record should include info from birth through the illness waiting period. We don’t need your medical records to activate your insurance, but we do need them to help contribute on claims.

Your pet’s medical record is a confidential record of their health history that’s helpful for both care providers and your pet health insurance company. A complete record will include a history of every visit at that vet’s office, and several other variables vets consider when deciding what kind of care your pet needs in the future. 

Knowing all about your pet’s medical history isn’t just essential to you as their parent. These records are also vital for your vet to be able to determine exactly the type of care or treatment your pet might require. We don’t cover pre-existing conditions (more on that below), and your pet’s medical record will be vital to determining which conditions, if any, are considered pre-existing. 

cat health insurance

So how do you get these records? Your vet should be able to easily provide these to you. If you’ve just taken in a pup or kitten, bring them to the vet for a medical exam to find out what the status of their health is, and start what we hope will become a long record of a healthy life. If you’ve adopted your pet from a shelter, they should hand over a copy of your new pet’s medical history that you can pass along to your new vet.

Has your pet seen more than one vet? It’s not uncommon for your pet’s former veterinarian’s office to mail, email, or fax your pet’s medical history to a new vet. If you’re switching vets you can also request a copy for yourself and bring it along to your pet’s first appointment with their new doctor. Vets are legally required to release your pet’s records to you, so you shouldn’t have any problem obtaining a complete record. You can learn more about your pet medical records here.

Pre-existing conditions

A pre-existing condition is determined by your pet’s medical record. A condition is any signs or diagnoses of a disease, disorder, sickness, illness, injury, abnormality or syndrome. If any of this shows up before your policy waiting periods are up, it would count as a pre-existing condition. 

It doesn’t mean we won’t insure your pet, it just means your plan won’t cover costs that directly relate to any ailment they had before they signed up.

Your policy explains that any diagnoses, treatments, or symptoms of a Condition listed in your pet’s medical record before they were actively insured can indicate a Pre-Existing Condition. This is a standard practice with most insurance companies. Since Pre-Existing Conditions are excluded from a pet health insurance policy, you won’t be able to receive reimbursement for care relating to anything caused by or related to that initial finding. 

You can learn more about Pre-Existing Conditions here.

Here are some common examples of Pre-Existing Conditions: 

  • Your Pomeranian experiences a bout of vomiting and diarrhea before you sign up for pet insurance—they go to the vet and receive treatment for their symptoms, but no formal diagnosis. Three months later (after you’ve purchased a pet policy), your Pom starts experiencing the same symptoms and eventually is diagnosed with Irritable Bowel Disease, and receives treatment. Since the underlying condition was undiagnosed the first time around, the medical records would determine this as Pre-Existing, and wouldn’t cover treatment. 
  • Your English Bulldog is scratching their ears and goes to the Vet to investigate the cause during the Illness Waiting Period. The Vet treats your pet with some topical ear medication. A few weeks later, your English Bulldog is back to scratching at his ears, and now he’s licking his paws and has red spots on his belly. The Vet now says that these symptoms are due to allergies, and recommends several medications to manage his symptoms. Because the first clinical sign of his allergies (an ear infection) occurred during the Illness Waiting Period, allergies are determined to be a Pre-Existing Condition, and aren’t eligible for coverage. 
  • Your Siamese cat starts limping on her hind limbs one day before you sign up for pet insurance, so you take her to the vet, where the diagnosis is inconclusive. Your vet sends you home with some anti-inflammatories, and the limping temporarily stops. A few months later, after you’ve hooked up your cat with pet insurance, the limping resumes. You rush your cat to the vet where they confirm that she’s suffering from arthritis. Because the limping started before the end of your cat’s Waiting Periods, the medical records would determine this Condition as Pre-Existing, and wouldn’t cover treatment. 

However, there is an exception when it comes to Pre-Existing Conditions: In most states, Lemonade is able to cover temporary Pre-Existing Conditions or injuries that resolve without recurrent symptoms or continued treatment for at least 12 months. These are called “curable pre-existing conditions”.

Note that knee or ligament conditions and chronic conditions (like diabetes and allergies) cannot be cured, and therefore could not be covered as a curable Pre-Existing Condition.

How billing works

It’s automatic and monthly, like Netflix! In other words, we’ll automatically charge your card on the same day each month—beginning on the date your policy becomes active. So if your policy activates on November 6th, we’ll charge you automatically on December 6th, January 6th, and so on.

Btw, all of our insurance policies last for one year. When it’s approaching time for renewal, we take a look to make sure everything is okay and your price is still right. If anything needs adjusting, we’ll reach out to you well in advance to let you know.

What’s Giveback?

Unlike all other insurance companies, we’re a certified B-Corp! That means social good is baked into our business model, and we’re legally committed to the public good.

Introducing: the Lemonade Giveback program.

Our business model is structured so that if there’s money leftover at the end of the year after all claims have been paid out, we donate the excess $$ to charities you—our Lemonaders—choose. Dive deeper into the Giveback program here.

To clarify, this doesn’t mean you have to donate any extra money. After choosing a cause you believe in, we take your leftover premium and donate it directly to the charity. If you don’t choose a cause, your unclaimed premium will stay with Lemonade, and we’ll donate it on your behalf… so be impactful and choose a charity you’d like to support!

FYI, as Lemonade grows, so does the potential of our Giveback. In 2020, we donated over a million dollars to amazing charities. We now have a total of 74 charity partners! If you’d like to suggest a charity for Lemonade to work with, email us at [email protected]. We’re constantly updating our list of Giveback partners to reflect what our community is passionate about.

What do I have to do now?

That’s it! Go give a well-deserved belly rub to the newly insured member of your fur fam. We hope you loved getting your policy as much as we loved welcoming you to our community.

It should be smooth sailing from now, and whenever you need to file an insurance claim, just open the Lemonade app, tap ‘File a Claim’ on the top right corner, and we’ll handle it asap (just make sure to file a claim within 180 days of treatment—or 90 if you’re in Texas).

Btw, did you know Lemonade also offers homeowners, renters, and term life insurance?

Tell your friends and family about Lemonade’s pet health insurance, and let ’em know how easy, fast, and fun insurance can be.

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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.