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Yahoo
10 hours ago
- 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
22-05-2025
- Health
- Yahoo
Does pet insurance cover vaccines?
Vaccinating your pet is part of keeping them healthy, but those vet visits can be ruff on your budget. While pet insurance usually doesn't cover routine care services like vaccines, many of the best pet insurance companies offer optional wellness plan add-ons that can help cover the cost of vaccines and other preventive care services. Understanding how this vaccination coverage works can help you decide if a wellness plan is worth it. Learn more: How does pet insurance work? A complete guide. Vaccines are typically only covered if you have purchased a wellness or routine care plan along with your pet insurance policy. Wellness plans are typically an add-on to comprehensive pet insurance (an accident and illness policy). They reimburse you for preventive care costs like annual checkups, flea and tick treatments, deworming, spay/neuter procedures, and vaccines. By adding a wellness plan to your pet policy, you can be reimbursed for some of these routine services — as long as they're included in the plan's coverage. It's important to point out that there's a difference between vaccinations and shots used to treat medical conditions: Vaccinations are considered preventive since they help protect your pet from diseases like rabies, Bordetella, and parvovirus. These are typically covered by a pet wellness plan. Treatment-related shots are used to manage or treat a diagnosed illness or injury, which can include antibiotic injections, allergy shots, and pain relief injections. These shots would be covered under the main pet insurance policy as long as the associated condition is covered. Learn more: Pet insurance that pays the vet directly: How does it work? There are two primary types of pet vaccines: core and non-core. Core vaccines are recommended for all pets, and some, like the rabies shot, may be required by state law. Non-core vaccines depend on your pet's lifestyle and risk of exposure. For example, if your dog goes to day care or spends time around other animals, your vet may recommend non-core vaccines like Bordetella, which helps protect against kennel cough. In addition to covering vaccines, most pet wellness plans reimburse you for routine care to keep your pet healthy all year. Although coverage details vary depending on your plan, common expenses covered include: Annual checkups Flea, tick, and heartworm prevention Blood, urine, and stool tests Microchipping Spay/neuter Dental cleanings Deworming Some pet insurance plans may also include extra benefits such as cremation services, nutritional supplements, and teeth cleaning. Learn more: Your guide to what pet insurance covers Paying for preventive care can take a bite out of your budget. A wellness plan may help you save some money on these costs, especially if your pet needs multiple routine services each year. But a wellness plan might not be the right fit for every pet parent or every budget. Here are a few pros and cons to consider before adding one to your pet insurance policy. Pros Helps budget for routine services like checkups, parasite prevention, and vaccines Encourages regular vet visits, which can help catch serious health problems early Can save money if you keep up with yearly preventive care Cons You might pay more for the wellness plan if you're not using all the services Plans usually include caps for each service and may not cover the full cost It's important to note that wellness plans don't always save you money. The cost of the plan might be the same — or even more — than what you'd normally pay out of pocket. That's why it's a good idea to look at the reimbursement amounts, find out what your vet charges, and see if a wellness plan makes sense for your pet's needs. If you stay on top of your pet's preventive care or your pet needs yearly vaccines, a wellness plan could be worth it. But if you have a healthy adult pet that only needs occasional vet visits, it might be more cost-effective to pay as you go. Learn more: Pets Best pet insurance review 2025 Here are a few other ways you can cut down on vaccination costs for your furry friend. Talk to your vet about what your pet really needs. Some vaccines are legally required or protect against serious diseases, while others are optional based on your pet's lifestyle. Ask your vet for advice and work together to create a vaccination plan that keeps your pet healthy — without breaking your budget. Check for low-cost options. Local shelters, nonprofits, mobile vet clinics, pet stores, and vet schools sometimes offer free or low-cost vaccines. You can also use sites like Pet Help Finder to find affordable vet services in your area. Ask your vet about savings. Some vets offer discounts, payment plans, or charity care. It's worth asking what options are available to you. Amy Danise and Tim Manni edited this article.
Yahoo
12-05-2025
- General
- Yahoo
How to Prepare Your Dog for Overnight Boarding: Ray Joseph of In My Paws Shares Insights with HelloNation on What to Bring When Boarding Your Dog for the First Time
WATCHUNG, N.J., May 12, 2025 (GLOBE NEWSWIRE) -- Pet owners often wonder how to make the experience of overnight boarding a positive one when bringing their dog to a facility for the first time. According to Ray Joseph of In My Paws in Watchung, New Jersey, thoughtful preparation is key to reducing stress and ensuring a smooth transition for both pets and their owners. A good first step is easing a dog into the experience through short daycare visits or an initial overnight trial. This helps acclimate the dog to the facility's environment, including the presence of new people, other animals, and unfamiliar surroundings. Joseph emphasizes the value of gradual exposure, which can help prevent stress and behavioral issues during longer stays. Owners should confirm that all vaccinations, particularly for illnesses such as Bordetella, are current. Not only is this required by most reputable boarding facilities, but it also contributes to a safe and healthy space for all pets. Additionally, packing familiar items, such as a toy, blanket, or item carrying the owner's scent, can help comfort the dog and reduce feelings of separation anxiety. Clear communication with staff about feeding schedules and any specific dietary needs is essential. Keeping routines consistent can help a dog feel secure, even when away from home. Joseph also notes the importance of an owner's demeanor at drop-off; dogs are perceptive and often reflect the emotions of their humans. Staying calm and confident can have a direct, reassuring effect on a pet's behavior. These practices, combined with a reliable and compassionate boarding team, can transform what might be an anxious situation into a pleasant and enriching experience for dogs. The article, How Do I Prepare My Dog for Boarding for the First Time?, shares practical tips from In My Paws in Watchung, New Jersey, and outlines what to bring when boarding your dog for the first time. About HelloNationHelloNation is a premier media platform that connects readers with trusted professionals and businesses across various industries. Through its innovative 'edvertising' approach that blends educational content and storytelling, HelloNation delivers expert-driven articles that inform, inspire, and empower. Covering topics from home improvement and health to business strategy and lifestyle, HelloNation highlights leaders making a meaningful impact in their communities. Staff Writerinfo@ photo accompanying this announcement is available at in to access your portfolio
Yahoo
22-04-2025
- Health
- Yahoo
Pasco County Animal Services suspends dog adoptions after respiratory disease outbreak
The Brief Pasco County Animal Services has suspended dog adoptions after a respiratory disease broke out among several of the dogs. Some dogs are exhibiting a dry, hacking cough, which is a common symptom of canine pneumovirus. For the next two weeks, Pasco County Animal Services will not accept any new dogs. Their hope is to resume normal operations May 3. LAND O' LAKES, Fla. - Dog adoptions at Pasco County Animal Services have been temporarily suspended after reported cases of canine pneumovirus, a highly contagious respiratory disease. "We got a couple of tests back that were positive for canine pneumovirus. And so, we are running additional tests," Pasco County Animal Services Assistant Director Spencer Conover told FOX 13. Employees are wearing extra protection as they work to separate dogs in the shelter as best they can. Some dogs are exhibiting a dry, hacking cough, which is a common symptom of canine pneumovirus. Canine pneumovirus is one example of a canine infectious respiratory disease or CIRD: "Short for that is kennel cough," Encinosa added. Just last week, Hernando County Animal Services posted on Facebook that their shelter has seen an increase in canine infectious respiratory diseases (CIRD). We've reached out to them for comment and will let you know when we hear back. Last month, the Hillsborough County Pet Resource Center confirmed it had an outbreak of canine pneumovirus. However, as of Monday, officials said their dog operations are currently back to normal. What they're saying "This is not the first time that our organization has dealt with canine pneumovirus, nor are we the only organization in our community dealing with it," Conover said. "This is something that is in our community." What's next For the next two weeks, Pasco County Animal Services will not accept any new dogs. Their hope is to resume normal operations May 3. Veterinarians suggest keeping your furry friends away from any dogs who are coughing. "Other than that, try to keep up to date on the other vaccinations. We don't have a vaccine for this one. But it's certainly helpful if the dog is protected against canine Bordetella and distemper and some of the other diseases that make up this canine infectious respiratory syndrome," Encinosa said. Experts told FOX 13 that canine pneumovirus doesn't spread to cats or humans. So cat operations will continue at Pasco County Animal Services for the time being. CLICK HERE:>>>Follow FOX 13 on YouTube The Source Information for this story was gathered by FOX 13's Ariel Plasencia. STAY CONNECTED WITH FOX 13 TAMPA: Download the FOX Local app for your smart TV Download FOX Local mobile app: Apple | Android Download the FOX 13 News app for breaking news alerts, latest headlines Download the SkyTower Radar app Sign up for FOX 13's daily newsletter
