It’s a situation no pet owner ever wants to find themselves in, having to forgo life-saving medical care for their beloved companion due to overwhelming costs. That’s where pet insurance comes in. Pet insurance, much like human health insurance, offers a financial safety net so major procedures are more affordable. With its extensive coverage plans, Lemonade is the perfect partner to provide you peace of mind and give your dogs and/or cats the best life possible.
What Is Pet Insurance?
A pet insurance plan offers coverage for a wide range of medical needs. Some insurances are incredibly comprehensive, while some only cover specific costs and events. The right plan for you will be a balance of budget and coverage needs. Before selecting your pet insurance partner, make sure you understand what each plan covers, including any exemptions for specific breeds. Lemonade’s base accident and illness policy includes diagnostics (like bloodwork and X-rays), treatments (like emergency care and surgery), medications, and hospital stays. This coverage extends to accidents like broken bones, hereditary conditions, chronic diseases, and infections.
You should make sure any policy you’re looking for includes coverage for your fur-ball’s favorite vet. Lemonade ensures you can go to any vet you like, as long as they are located in the U.S. and licensed to provide veterinary care in the state where they operate.
Lemonade’s pet coverage is available in 39 U.S. states. Like most insurers, Lemonade has a waiting period. After you start your policy, there is a 14-day waiting period for illnesses and 30 days for orthopedic conditions. You will be covered for accidents and preventative care as soon as your policy is active. You can cancel your policy at any time, with a 30-day money back guarantee (except in NY and IN).
What Other Coverage Exists?
Many insurance providers offer additional coverage beyond basic policy options so you can tailor your policy to your pet’s needs and your budget. Lemonade offers optional add-ons: coverage for vet visit fees, physical therapy, dental illnesses, behavioral conditions, and remembrance.
There are also Preventive Care options to consider. This coverage manages and reduces out-of-pocket expenses for routine vet visits for everything from vaccinations to dental cleanings. The base Preventive Care package is recommended for all pet parents and includes coverage for an annual physical checkup, wellness testing for issues like heart worms, and three vaccines like rabies and bordetella.
For extra peace of mind, choose the Preventive+ Care package. This package includes everything mentioned above, along with coverage for flea, tick, and heartworm medication, as well as routine dental cleanings (including x-rays, anesthesia, and polishing).
Lemonade even has a special package for kittens and puppies to cover some of those initial costs including two wellness exams, two fecal tests, six vaccines, coverage for spay or neuter procedures, and microchip implantation and registration. Plus, unlike your main policy, there is no waiting period for these preventive care options. Your coverage will become active at 12:01 AM the next day.
Is My Pet Too Old For Insurance?
As your dog or cat ages, they will require more care and treatments. Unlike human health insurance, pet insurance does not cover pre-existing conditions. This means that waiting to sign up can open the door to areas of care that won’t be covered, including anything diagnoses your pet receives or symptoms that are treated. While the price of the policy won’t be affected, what is covered will be. The earlier you sign your pet up, the more likely your insurance plan will cover those down the line health issues including hereditary and congenital conditions.
Is Pet Insurance Right For Me?
If you would be unable to afford life-saving medical care for your pet as a lump sum (or would need to make considerable financial sacrifices to do so), pet insurance can be a great way to diffuse costs and make it much easier to say “yes” to expensive procedures that will improve your fluff’s quality of life. Get prices and find the right plan for you at Lemonade.
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