One emergency vet visit can cost more than a full year of pet insurance.
In 2024, 37% of pet owners went into debt from unexpected vet bills. Don't let a medical emergency become a financial one.
Protect My Pet NowQuote takes 90 seconds • Coverage starts tomorrow
Average emergency surgery
$3,000–$7,000
What pet parents pay without insurance
These are real costs from veterinary clinics across the US. One bad day can wipe out months of savings.
Emergency exam + diagnostics
$800–$1,500
X-rays, MRI, CT scan
$1,000–$3,000
Foreign object surgery
$3,000–$5,000
ACL/ligament repair
$3,500–$7,000
Broken leg surgery
$2,000–$5,000
Bloat surgery (GDV)
$3,000–$7,500
Cancer treatment
$5,000–$10,000+
Overnight hospitalization
$1,000–$3,000
With Lemonade: Get 70-90% of these costs covered.
Average monthly premium: ~$35 for dogs, ~$20 for cats
Real emergencies. Real coverage.
These are actual scenarios Lemonade customers have faced
🐕 Max, 3-year-old Lab
Swallowed a sock, needed emergency surgery
🐈 Luna, 5-year-old tabby
Diagnosed with diabetes, ongoing treatment
🐕 Cooper, 7-year-old Golden
Torn ACL, required surgery + rehab
*Based on 80% reimbursement rate with $250 deductible
So you can say “yes” to the care they need
No pet parent should have to choose between their savings and their pet's health. With Lemonade, you can focus on what matters.
If the worst happens, here's how it works
Simple claims. Fast reimbursement. No runaround.
Emergency happens
Rush to any vet or emergency hospital — your choice
Get treatment
Focus on your pet. Pay the vet bill (keep the receipt)
File a claim
Open the app, snap a photo, submit in 2 minutes
Get reimbursed
Many claims paid instantly. Money to your bank
Emergency coverage questions
What you need to know before an emergency happens
Don't wait until after the first emergency.
The best time to get pet insurance is before you need it. Get covered in 90 seconds — accident coverage starts tomorrow.
Protect My Pet NowFree quote • No commitment • Cancel anytime