Lemonade’s monthly premiums start at an impressive $10, but average costs tend to be $37 a month for dogs and $15 a month for cats, based on quotes our team collected.
When requesting a custom quote, prospective policy owners are asked to answer a few questions about their location and the breed, breed, and age of pets they need coverage for. Lemon uses these details to set up personalized premiums for regional veterinary costs and your pet’s future medical needs based on its profile.
A policy through Lemon can be as cheap or as expensive as you want it to be – ultimately it depends on how much cover you can comfortably afford. Opting out of any health plan add-ons and sticking with the basic policy will result in a lower monthly premium, but at a much larger margin of claim rejection if your pet suddenly becomes ill or injured.
Lemon prefers that policyholders have a lower-cost option for comprehensive coverage rather than being left to make an all-or-nothing decision. That’s why it offers a total of three optional protection riders – two adult pet plans that vary in coverage and one package specifically designed for cats and puppies.
Here’s how those three health coverage options break down, in addition to the estimated monthly cost:
Basic coverage: $15+ per month for dogs, $10+ per month for cats
- An annual health exam
- A stool test
- A heartworm test
- A blood test
- Up to three regular vaccinations
- Medical advice chat line
Preventative Plus: $17+ per month for dogs, $12+ per month for cats
- An annual health exam
- A stool test
- A heartworm test
- A blood test
- Up to three regular vaccinations
- Medical advice chat line
- Flea/tick/heartworm prevention
- Routine dental cleanings (dental x-rays, anesthesia, polishing, etc.)
Puppy/Cat Protection: $40+ per month for puppies, $34+ per month for cats
- Two annual health exams
- Two stool or internal parasite tests
- A heartworm test
- A blood test
- Up to six regular vaccinations
- Medical advice chat line
- Flea/tick/heartworm prevention
- Routine dental cleanings (dental x-rays, anesthesia, polishing, etc.)
- Microchip implantation
- Spay/neuter
Discounts are available
Lemon offers its customers up to 20% discounts on policy savings:
- Package Discount: When you sign up for homeowners or renters insurance through Lemonade, the company takes 10% of your total premium.
- Multi-pet discount: Save 5% when you enroll more than one pet in a Lemonade pet health care policy.
- Annual discount: Policyholders who stick with Lemon will get an additional 5% discount as a loyalty reward.
Sample price
To get a more accurate picture of how Lemon’s monthly premium fluctuates between breeds and breeds, we sampled quotes for four common pet profiles to see how they stack up.
Our direct quotes are based on a pet owner in Wilmington, NC, who customizes Lemonade’s most moderate plan with an 80% return rate, up to $20,000 in annual coverage and a $250 annual deductible.