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 |
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| Exam fees in base | no |
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| Dental illness in base | no |
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| Prescription food | no |
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| Curable conditions can return to coverage | yes |
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| Illness waiting 14 days or less, waivable | yes |
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| Hereditary conditions in base | yes |
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| Direct vet pay | no |
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| No upper enrollment age | yes |
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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 | |
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| B. Age curve | 3.2 | |
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| C. Generosity (loss ratio) | 9.2 | |
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| D. Rate increases | 4.6 | |
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| E. Price structure | 9.0 | Monthly payment fee $3 in filing 26-034247 |
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| F. Customer treatment | no data | |
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| Coverage (separate) | 3.5 | |
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| Total | 6.1 | methodology |
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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 |
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| 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 |
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Rate filings
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
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| 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.