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Yahoo
11-06-2025
- Health
- Yahoo
Lemonade pet insurance review 2025
Lemonade rating: 3 out of 5 stars Lemonade pet insurance stands out for its great prices. If you're looking for a rather bare-bones pet insurance policy at a good price, check out Lemonade's pricing for your pet. Lemonade sells additional coverage as add-ons for extra cost, so you'll pay more if you want a pet insurance policy comparable to many competitors, which include broader coverage in their base plans. Learn more: How does pet insurance work? A complete guide. Pros Excellent prices Very high $100,000 annual coverage limit available Will cover temporary preexisting injuries and conditions Cons Extra cost if you want to add coverage for vet exam fees, dental illness, behavioral conditions, and more No 24/7 vet healthline, which many competitors include Lemonade pet insurance basics Annual maximum limit choices: $5,000, $10,000, $20,000, $50,000, $100,000 Deductible choices: $100, $250, $500, $750 Reimbursement choices: 70%, 80%, 90% Lemonade waiting periods For accident coverage: Begins at 12:01 a.m. the day after you buy a policy For illness coverage: 14 days Special waiting period: 6 months for cruciate ligament issues Lemonade age restrictions for buying a new policy Minimum pet age: 2 months Maximum pet age: Depends on pet breed Lemonade sells an accident and illness policy that offers the basic coverage below. There is no accident-only policy available. Hereditary and congenital conditions Cancer Diagnostics such as X-rays and ultrasounds Dental accidents Prescription drugs Learn more: Your guide to what pet insurance covers Lemonade offers three tiers of wellness plans that you can add to your base policy: Preventative Care, Preventative+ Care, and Preventative Care for Puppies and Kittens. Each plan reimburses you up to specified limits for routine care, with varying coverage based on your pet's needs. Preventative Care Covers basic wellness care costs including: Annual wellness exam Up to 3 vaccines, such as Bordetella, Rabies, and DHLPP Fecal or internal parasite test Wellness bloodwork for early disease detection Heartworm or FeLV/FIV test Preventative+ Care Includes everything in the Preventative Care plan, plus: Flea/tick or heartworm medication Routine dental cleaning Preventative Care for Puppies and Kittens Designed for younger pets (under 2 years old) with added benefits: Two wellness exams Up to six vaccines, such as Bordetella, Rabies, and DHLPP Fecal or internal parasite test Wellness bloodwork for early disease detection Heartworm or FeLV/FIV test Flea/tick or heartworm medication Spay/neuter procedure Microchip Learn more: Does pet insurance cover vaccines? No, Lemonade doesn't cover preexisting conditions, which it defines as 'any condition for which a veterinarian provided medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition prior to the start date of the first pet insurance policy issued . . . or during any waiting period.' That said, there's a little bit of flexibility in most states. Lemonade may cover certain curable preexisting conditions in the future, like diarrhea or roundworms as long as your pet has gone at least 12 months without symptoms or treatment. It's important to note that chronic conditions (such as asthma, cancer, allergies, etc.) and issues like knee or ligament problems are considered incurable. Therefore, these conditions won't qualify for coverage in the future. Learn more: Pet insurance that covers preexisting conditions No, Lemonade doesn't offer a 24/7 vet telehealth line. Many other pet insurance companies, like MetLife and Embrace, do provide round-the-clock access to licensed vet professionals who can give guidance for your pet's health concerns. Lemonade's base pet insurance policy doesn't cover: Preexisting conditions your pet had before coverage began Bilateral conditions (like cherry eye or hip dysplasia), if symptoms showed on one side before your policy started Prescription food Vitamins Microchipping Grooming and nail trimming Cosmetic procedures Anal gland expression Breeding and pregnancy Boarding and transportation Preventable issues, including injuries from abuse, neglect, fighting, or racing Exotic pets like iguanas, guinea pigs, and parakeets Some things aren't included in the base policy unless you add extra coverage. Lemonade's add-ons can cover: Preventive care for vaccinations and wellness visits Vet visit fees for exams Physical therapy, like acupuncture and hydrotherapy Dental illness treatments, such as tooth extractions and care for gum disease Behavioral conditions, like vet-recommended therapy and medication for issues such as anxiety or aggression End-of-life care, including euthanasia, cremation, and memorial items for your pet Increases: You can increase your coverage, like adding a wellness plan or raising your coverage limits, within 14 days of buying your policy. After that, you'll have to wait until your policy renews in 12 months to make any other upgrades. Decreases: You can lower your coverage at any time by using the Lemonade app. Any policy changes may have to be reviewed and approved by the underwriting team. Lemonade's base plan is very budget-friendly, but it also has slim coverage compared to many competitors. In our evaluation, Lemonade came in as the cheapest pick. Lemonade has the cheapest policy for $5,000 in annual coverage, among the policies we evaluated. It was also 31% less than the overall average cost. Learn more: Is pet insurance worth it? How to decide. Lemonade's cost was also the cheapest among pet insurance companies offering very high or unlimited annual coverage. While Lemonade does not offer an unlimited plan, we compared the cost of its $100,000 policy to competitors. In this category, Lemonade came in 36% less than the overall average. Yes, if you're insuring more than one dog or cat, Lemonade offers 5% or 10% off each policy, depending on your state. The discount applies to the base accident and illness policy and add-ons for the vet exam fee and physical therapy. Discounts don't apply to the wellness add-on. No, Lemonade doesn't have a system for paying vets directly. If you're looking for a pet insurer with direct vet payments, check out ASPCA, Healthy Paws, Pets Best, or Trupanion. If your pet insurer doesn't offer direct pay and you're facing a large bill, such as a surgery, ask your vet ahead of time if they're willing to set up a payment plan. Your vet may offer payment options like weekly or monthly installments. Learn more: Pet insurance that pays the vet directly Before you file a pet insurance claim with Lemonade, make sure you have provided all medical records for your pet from the past 12 months. Lemonade won't move forward with processing a claim without reviewing records first. Here are the next steps in the Lemonade claims process: Submit the claim: Log in to the Lemonade app and file your claim as soon as you can. Even though Lemonade gives you up to 180 days after your pet's treatment to submit a claim (or 90 days if you live in Texas), filing right away can help streamline the process and make it easier to gather all the info you need while it's still fresh in your mind. Provide claim details: You'll need to include details about what happened, what treatment your pet received, a photo of the receipt or paid invoice, and what you're asking to be reimbursed for. Lemonade will also ask you to record a short, private video explaining the situation instead of typing out the information. Receive reimbursement: Once your claim is approved, the money will go straight to your bank (minus your deductible). Lemonade sends reimbursements through wire transfer, so make sure your bank info is set up in your account. With Lemonade pet insurance, you have up to 180 days to file a claim or 90 days if you live in Texas. Lemonade says it aims to pay approved claims instantly. This means that in some cases, you could get reimbursed the same day you file. But if anything is missing or they need to take a closer look, it could take longer to process. Lemonade primarily manages all of its policies and services through its website and mobile app. Lemonade's mobile app gets good reviews for its ease of use and convenience. You can get a quote, manage your policy, file a claim, and check your claim status. Lemonade uses AI technology to speed up the claims process, and in some cases, claims may be approved right away. As a policyholder, you must download the app to access and manage your Lemonade pet insurance policy. Lemonade mobile app ratings: App Apple Store: 4.9 out of 5 stars Google Play Store: 4.1 out of 5 stars Learn more: The best pet insurance companies Lemonade offers pet insurance in 38 states and Washington, D.C. Coverage is available in these states: Alabama Arizona Arkansas California Colorado Connecticut Florida Georgia Illinois Indiana Iowa Louisiana Maryland Massachusetts Michigan Minnesota Mississippi Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina Tennessee Texas Utah Virginia Washington Wisconsin Yes, Lemonade will help pay for neutering costs, but only if you add the Preventative Care Package for Puppies and Kittens to your policy. This is an optional add-on that includes spaying or neutering procedures, but it's not part of the base accident and illness policy. You'll need to purchase it separately for the coverage to apply. Lemonade doesn't require a vet exam to sign up, but you will need to provide recent medical records before you file a claim. Your pet must have had a vet visit in the past 12 months before the policy or up to 14 days after the policy start date. For pets under a year old, records from birth are required. If medical records aren't on file, Lemonade won't reimburse you for any claims. You can contact Lemonade through its mobile app or by phone or email: Contact Lemonade at 844-733-8666, Monday to Friday, 9 a.m. to 8 p.m. ET The email is help@ Lemonade lets you cancel any time through the app, with a refund on a pro-rata basis if you cancel before your policy renews. If you cancel, you'll lose your Giveback funds (Lemonade's program that donates leftover money to charities each year). If you decide to reenroll later, your rate could change, and any conditions your pet developed during your previous policy term will be considered preexisting and won't be covered. Amy Danise and Tim Manni edited this article. We researched the coverage details and prices for 15 pet insurance plans. We then weighted categories, and each pet insurer was scored relative to the others to find the best pet insurance companies. Here are the factors we incorporated. Coverage types: 40% of score. We examined the coverage provided by the base policy without the extra cost of add-ons. This encompassed coverage for alternative therapy, behavioral therapy, dental illness, euthanasia or end-of-life expenses, exotic pets, hereditary and congenital conditions, preexisting conditions, prescription food and supplements, veterinary exam fees, and advertising/reward for lost/stolen pets. Average cost: 30% of score. We evaluated costs in five states for $5,000 and unlimited coverage for a mixed-breed dog (age 1), a French bulldog (age 5), and a Labrador retriever (age 8). Unlimited coverage option: 10% of score. We gave points when pet insurers offered an unlimited annual limit (or a $100,000 limit), which gives pet owners the most robust financial protection possible in the event of a catastrophic pet medical issue. Direct payments to the veterinarian: 5% of score. We gave points to pet insurers that state on their websites that they accommodate direct vet payments. No special waiting periods for special conditions: 5% of score. We gave points when pet insurers have no waiting periods for special conditions, such as cruciate ligament conditions. Routine wellness plan: 5% of score. Companies that offer a routine wellness plan in addition to pet insurance received points. Multi-pet discount: 5% of score. We gave points when pet insurers offered a discount for insuring multiple pets.
Yahoo
09-06-2025
- Health
- Yahoo
Influx of kittens prompts plea to neuter cats
An animal rescue charity is urging people to neuter their cats because of a rise in the number of kittens needing rehoming. Suffolk Animal Rescue, which is based in Stowmarket, said they had been inundated with kittens and have had to make an urgent appeal for donations to fund food and medication. Staff say the most concerning aspects are the risk of an immunodeficiency virus and the number of pregnant kittens they are dealing with. Emma Floyd, a kennel maid for the charity, said: "People that let their female cats out too soon are running at a high risk of their cat becoming pregnant." The Suffolk based charity specialises in taking in feral cats and "taming them". They said it was becoming "extremely concerning" after they started to see kittens having their own babies. Ms Floyd, who lives in Pettistree, said: "I think last year we were around the 50-kitten mark. "It takes a long time getting through the kittens and mums. It is not just the care, but it is the medication." Due to the influx of kittens arriving at the rehoming centre, the charity said they had been working to maximise space. "It is thinking about if we have older kittens who can move on to the older area, it frees up our spaces," Ms Floyd added. She raised concerns about domestic cats not being neutered and also contracting Feline Immunodeficiency Virus (FIV). According to the RSPCA, FIV is a viral infection that results in cats having a weakened immune system. Ms Floyd said people could be "running a high risk" of their cat mating with an FIV-positive tom if they are not neutered. "There are so many schemes set up for people to get help with neutering their cat," she added. An online wishlist was set up by the rescue centre after it "went through supplies at a very fast pace". Follow Suffolk news on BBC Sounds, Facebook, Instagram and X. 'We've been rescuing and rehoming cats for 100 years' Animal shelter that was set to close could stay open 'We're rehoming more dogs due to cost of living' Suffolk Animal Rescue
BBC News
09-06-2025
- Health
- BBC News
Stowmarket animal charity urges owners to neuter cats
An animal rescue charity is urging people to neuter their cats because of a rise in the number of kittens needing Animal Rescue, which is based in Stowmarket, said they had been inundated with kittens and have had to make an urgent appeal for donations to fund food and say the most concerning aspects are the risk of an immunodeficiency virus and the number of pregnant kittens they are dealing Floyd, a kennel maid for the charity, said: "People that let their female cats out too soon are running at a high risk of their cat becoming pregnant." The Suffolk based charity specialises in taking in feral cats and "taming them". They said it was becoming "extremely concerning" after they started to see kittens having their own babies. Ms Floyd, who lives in Pettistree, said: "I think last year we were around the 50-kitten mark."It takes a long time getting through the kittens and mums. It is not just the care, but it is the medication."Due to the influx of kittens arriving at the rehoming centre, the charity said they had been working to maximise space."It is thinking about if we have older kittens who can move on to the older area, it frees up our spaces," Ms Floyd added. She raised concerns about domestic cats not being neutered and also contracting Feline Immunodeficiency Virus (FIV).According to the RSPCA, FIV is a viral infection that results in cats having a weakened immune Floyd said people could be "running a high risk" of their cat mating with an FIV-positive tom if they are not neutered. "There are so many schemes set up for people to get help with neutering their cat," she online wishlist was set up by the rescue centre after it "went through supplies at a very fast pace". Follow Suffolk news on BBC Sounds, Facebook, Instagram and X.
ITV News
07-06-2025
- General
- ITV News
Why rescue centres in the South West are still struggling to cope with a rise in abandoned kittens
Cat rescue centres across the South West say they are struggling to cope with 'huge' numbers of kittens being abandoned. It's thought an overhang from the pandemic five years ago is partly responsible, with fewer cats being neutered or spayed at the time. The Moggery Cat and Kitten Rehoming Centre in Bishopston received more than double their normal intake of abandoned kittens in 2024. They say volunteers rescued an additional 220 cats to what they'd expect during kitten season. Founder Christine Bayka told ITV West Country huge numbers of people adopted cats during the 2020 lockdown but later changed their mind about owning pets. She added that fewer cats were neutered or spayed too. 'During the Covid lockdown, the PDSA and RSPCA stopped doing neuters as normal because they could only have one vet in the operating theatre at a time,' said Bayka. 'We continued to neuter cats, but we were only able to do about a quarter of the amount we usually would,' she added. A lot of rescue centres and animal shelters are now facing a backlog of cases on neutering operations. This year At the beginning of this year, the Moggery Rehoming Centre rescued 50 cats and kittens from one flat in Weston-super-Mare. The cats and kittens filled the centre's capacity for the first three months of 2025, limiting their ability to help other cats. The issue is being felt in Gloucestershire too. At Cheltenham Animal Shelter, the team has received 34 kittens since the start of this year, while usually at this point they would have usually taken in two to four. At Bristol and Wales Cat Rescue, a campaign has allowed staff to neuter 50 cats, at no cost to their owners. A spokesperson for the organisation said the campaign has stopped them from receiving an excessive amount of kittens, reducing pressure on their service. Best practice - advice from Cats Protection Cats Protection says it's best to neuter cats at around four months old- the age female cats can get pregnant- to prevent them from having unwanted litters. It adds that neutering/spaying cats also has multiple health benefits for them. Neutering male cats prevents them from wandering far from home in search of a mate, which lowers the chance of them getting injured while roaming. It also reduces the chance of them contracting diseases like Feline AIDS (FIV) and prevents them from getting testicular cancer. Similarly, spaying female cats can also reduce the chances of them contracting FIV. It also eliminates risk of ovarian and uterine cancer.
Yahoo
06-06-2025
- General
- Yahoo
Bonded cats, rabbits and a sweet dog up for adoption in Lane County
Quail and Raven are two young rabbits looking for their forever home. They have the most charming personalities that will leave their family feeling all the love. These two were born at Greenhill and have grown up to become very friendly, social and well-mannered. Now, at 8 months old, they are big, beautiful bunnies with their own unique personalities. Raven is a bit reserved, while Quail is filled with sass. They have a very special bond and are looking to be adopted together. They are spayed/neutered, microchipped, litterbox trained and have a free vet exam certificate included in their adoption. They are looking for an inside-only home. If you don't know much about rabbits but think these two would be a great fit, Greenhill staff can provide plenty of resources to help you get started. Greenhill Humane Society is open seven days a week, 11 a.m. to 6 p.m., at 88530 Green Hill Road in Eugene. For more information, call 541-689-1503 or visit Shadow arrived at OCHS in "ruff" shape, but he's on the mend. He is a 3-year-old Labrador retriever mix who loves to hang out and receive pets. He would also be thrilled to be your next sunbathing partner. While he is somewhat of a couch potato, Shadow walks very well on a leash. Quiet and respectful, he would make the perfect roommate. If you're interested in Shadow, come meet him at 2840 Rhododendron Drive in Florence or complete an adoption application online at Got questions? Call 541-997-4277. Yoda and Han are 1-year-old kittens who are well-socialized, playful, energetic and affectionate. They are attention-seeking and cuddly and would do best being adopted together but could be adopted separately. They were born in foster care to a cat found abandoned and pregnant. Both Yoda and Han have been altered, vaccinated, microchipped, and are negative for FIV and FeLV. You can meet them at the cattery inside PetSmart in North Eugene at 2847 Chad Drive For more information, call 541-225-4955, option 1, or visit Haleigh Kochanski is a breaking news and public safety reporter for The Register-Guard. You may reach her at HKochanski@ This article originally appeared on Register-Guard: Lane County, Oregon, pets of the week: Animals up for adoption
