Lemonade’s monthly premiums start at a remarkably low rate of $10, but the average cost tends to look more like $37 per month for dogs and $15 per month for cats based on quotes our team gathered.
When requesting a personalized quote, prospective policyholders will be asked to answer a few identifying questions regarding their location, as well as the species, breed, and age of the pet that needs coverage. Lemonade will then use these specifications to configure a custom premium that takes into account regional veterinary costs and the likelihood that your pet will need future medical care based on your profile.
Basically, a policy through Lemonade can be as cheap or expensive as you want; Ultimately, it depends on how much coverage you can comfortably afford. Opting out of the wellness plan add-ons and sticking with the base policy will result in a lower monthly premium, but at the cost of a much higher margin for claim denial in the event your pet is unexpectedly sick or injured.
Lemonade would rather its policyholders have a low-cost option for comprehensive coverage than have to make an all-or-nothing decision. That’s why she offers a total of three optional preventative care riders: two plans for adult pets that differ in scope of coverage, and a package designed specifically for kittens and puppies.
Here’s how those three wellness coverage options pan out, plus roughly what it’ll cost you each month:
Basic Preventive: $15+ per month for dogs, $10+ per month for cats
- An annual wellness exam
- a stool exam
- A heartworm test
- a blood test
- Up to three routine vaccinations
- Medical advice chat line
Preventive Plus: $17+ per month for dogs, $12+ per month for cats
- An annual wellness exam
- a stool exam
- A heartworm test
- a blood test
- Up to three routine vaccinations
- Medical advice chat line
- Flea/Tick/Heartworm Prevention
- Routine dental cleaning (dental x-rays, anesthesia, polishing, etc.)
Puppy/Kitten Preventive: $40+ per month for puppies, $34+ per month for kittens
- Two annual wellness exams
- Two tests for fecal or internal parasites
- A heartworm test
- a blood test
- Up to six routine vaccinations
- Medical advice chat line
- Flea/Tick/Heartworm Prevention
- Routine dental cleaning (dental x-rays, anesthesia, polishing, etc.)
- microchip implantation
- Castration
discounts available
Lemonade offers cumulative discounts of up to 20% in policy savings for its customers:
- Discount package: The company will take 10% of your total premium when you also sign up for homeowners or renters insurance through Lemonade.
- Multi-pet discount: Save 5% when you enroll more than one pet in a Lemonade pet health care policy.
- Annual discount: Members who keep Lemonade will receive an additional 5% off as a loyalty reward.
sample prices
To get a more realistic picture of how Lemonade’s monthly premiums fluctuate between species and breeds, we requested a sample of quotes for four common pet profiles to see how they compare.
Our direct quotes are based on a Wilmington, NC-based pet owner selecting Lemonade’s mid-range plan customizations with an 80% reimbursement rate, up to $20,000 in annual coverage, and a $250 per year deductible.