Lemonade scored 4.6 out of 5 stars in our assessment, taking the highest spot in our rating for pets in Washington. The firm makes use of synthetic intelligence (AI) to offer quotes and shut claims rapidly, with some policyholders receiving immediate approval and reimbursement.
The firm’s base plan covers accidents and diseases however lacks different advantages you would possibly discover with completely different suppliers, comparable to protection for pet behavioral therapies. Customers can decide into add-ons to spherical out their pet’s protection or keep on with the bottom plan for a extra reasonably priced month-to-month premium.
However, Lemonade’s enrollment age restrict is determined by breed, so purebred pets could not qualify for protection. Like all pet insurance coverage, Lemonade excludes protection for pre-existing circumstances.
To estimate pricing, we collected pattern quotes for 4 pets: a 5-year-old medium, mixed-breed canine, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. Based on our analysis, the common cost for a Lemonade pet insurance coverage plan in Washington is $25 per thirty days.
| Accident and Illness Coverage | Monthly Cost |
| Dogs | $31 |
| Cats | $18 |
When we in contrast annual premiums to estimated pet possession prices in Washington, together with vet visits, emergencies, vaccines and medicines, we decided Lemonade policyholders may save $616 per yr.
Because Lemonade’s base plan is fairly commonplace, some policyholders could need to tack on further protection for a month-to-month payment. Optional coverages embrace:
- Exam charges: $4–$6 per thirty days
- Dental sickness: $13 per thirty days for dogs and never available for cats
- Behavioral circumstances: $3–$4 per thirty days
- Physical remedy: $1–$3 per thirty days
- End-of-life remembrance: $2–$4 per thirty days
Lemonade additionally provides add-on wellness plans in two tiers, which cowl routine veterinary providers. Wellness plans cost a mean of $18 to $27 per thirty days for dogs and $11 to $18 for cats.
