Lemonade Pet Insurance Review (2026): rates, increases, fine print Last updated 13 Oct 2026. Administrator: Lemonade Insurance Agency. Underwriter: Lemonade Insurance Company. Website
Where it operates Florida : active, rate filings analysedLemonade sells its own policies through Lemonade Insurance Company. There is no unlimited plan: the highest annual limit is $100,000.
What is the same everywhere
Age is re-rated at every renewal; the steepest step is from 8 to 9 years.
No tenure surcharge; multi-pet and partner discounts stack up to 20%.
Vet visit fees, dental illness and physical therapy are paid add-ons.
Curable conditions can return to coverage after 12 months without symptoms.
Pick your state Florida
Lemonade in Florida Underwriter Lemonade Insurance Company Waiting periods injury 0 days, illness 14 days, orthopedic 14 days Enrollment age from 8 weeks, no upper limit Status active Coverage flags used for the coverage score Unlimited annual limit available no Exam fees in base no Dental illness in base no Prescription food no Curable conditions can return to coverage yes Illness waiting 14 days or less, waivable yes Hereditary conditions in base yes Direct vet pay no No upper enrollment age yes
Maximum annual limit $100,000. Vet visit fees and dental illness are paid add-ons; the reference profile includes vet visit fees and medications.
Scores in Florida A. Lifetime cost 6.5 B. Age curve 3.2 C. Generosity (loss ratio) 9.2 D. Rate increases 4.6 E. Price structure 9.0 Monthly payment fee $3 in filing 26-034247 F. Customer treatment no data Coverage (separate) 3.5 Total 6.1 methodology
Price by age From filing 26-034247, effective 18 Nov 2026. 15-year total $51,222.
Lemonade: monthly premium by age, french bulldog, male, enrolled at 0, $1,000 deductible, 90%, $100,000 limit (highest available), filed rates effective 18 Nov 2026 Age $/month $/year 0 $136 $1,636 1 $116 $1,390 2 $116 $1,390 3 $116 $1,390 4 $128 $1,537 5 $152 $1,820 6 $179 $2,153 7 $214 $2,571 8 $257 $3,088 9 $359 $4,303 10 $425 $5,106 11 $489 $5,865 12 $527 $6,324 13 $527 $6,324 14 $527 $6,324 Total over 15 years $51,222
Rate filings Filing Effective Status Requested Approved Indicated Loss ratio Permissible LR Source 26-034247 18 Nov 2026 approved +22.0% +22.0% +23.7% 83% actual (2025) 65% source [1]
26-034247: Age factor for dogs under 1 year (1.20) is taken from the October 2026 calculation script, not yet verified against the manual's rate pages; ages 1–3 are 1.00 in the manual. History 13 Oct 2026 : Draft page from filing Lemonade 26-034247