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From $10/mo· #5
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Lemonade Pet

Health & insurance

Best for: Best for app claims

Lemonade

Lemonade Pet

Pet Standings score

7.2/ 10 · editorial, when research is finished

Accident & illness from $10/month on Lemonade’s site, with add-ons and 50% of eligible claims paid instantly per Lemonade.

From $10/mo

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Why it is listed

Lemonade Pet is an app-first accident-and-illness policy with a published $10/month starting price and optional wellness and extra riders. Lemonade says half of eligible claims pay instantly. It is not available in every state, and the base policy is thinner than Embrace or Fetch until you buy add-ons.

Editor note

Best for: Best for app claims in best pet insurance plans.

7.2/10

Pros & cons

Pros

  • Official cost page: policies start at $10/month for basic accident & illness (actual price varies).
  • Lemonade says it pays 50% of eligible claims instantly in the app, with the rest averaging within 5 days.
  • Optional add-ons: wellness/preventive, vet visit fees, dental, behavioral, physical therapy, end-of-life.

Cons

  • NerdWallet 2026: not sold in every state (42 states + D.C. in that review). Confirm availability for your ZIP on Lemonade.
  • Same review: no unlimited annual option; limits described as $5,000–$100,000. Exam fees and several extras are add-ons.
  • WSJ/Buy Side notes Lemonade applies coinsurance before the deductible, which can reduce the payout versus some rivals.

Score breakdown

Safety
6.0
Value
9.0
Ease
9.0
Quality
6.0

Overall

7.2

Specifications

Plan TypeAccident & illness plus optional add-ons
Annual LimitCustomizable; unlimited not offered (NerdWallet 2026)
ReimbursementCustomizable; coinsurance-then-deductible order noted by WSJ/Buy Side
Advertised Start$10/month (Lemonade pet-insurance-cost page)
AvailabilityNot all states (NerdWallet 2026: 42 + D.C.)
Score Notesquality 6 = 3 A&I + 2 illness (cancer/diabetes in 2026 NerdWallet) + 0 unlimited + 0 exam base + 1 wellness option + 0 extras in base. safety 6 = 7−1 not all states. value 9 = customizable (+4) + official $10 start (+3) + wellness/add-ons (+2). ease 9 = instant 50% claims in app.

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