Lemonade earned 4.8 out of 5 stars in our review and our top pick for pet insurance in Oregon. The company is worth considering for pet owners looking for cheap coverage, especially for dogs. The average Lemonade pet insurance plan costs $28 per month in Oregon, compared to the state average of $50.
In addition to its competitive pricing, Lemonade offers tech-forward features that discerning consumers can appreciate. The company uses an online underwriting process that completes enrollment for most pet owners in under five minutes.
Lemonade sells a range of add-on options, such as physical therapy and dental care, that are included as standard coverage in some competitor policies. Customers looking for personal assistance may also not prefer Lemonde’s digital-forward service — the company uses artificial intelligence (AI) to offer customer support.
On average, a Lemonde pet insurance policy costs $28 per month in Oregon, based on quotes we gathered for several sample pets. Those pets include a 5-year-old medium, mixed-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat and a 2-year-old Siamese cat. You can adjust your monthly premium by changing your annual deductible, reimbursement rate and annual coverage limit.
| Accident and Sickness Coverage | Average Monthly Cost |
|---|---|
| Dogs | $39 |
| Cats | $18 |
To determine the annual savings with pet insurance, we compared the annual cost of premiums to the estimated annual costs of owning a pet in Oregon, including vet visits, emergencies, vaccines and medications. Based on this information, we determined that Lemonade policyholders could save $262 per year.
Lemonade’s accident and illness policy covers a relatively short list of conditions compared to other providers on our list. That means its plans don’t cover behavioral conditions, physical therapy and dental conditions unless you pay for additional coverage. Policies also exclude coverage for the following:
- Pre-existing conditions
- Bi-lateral conditions (including hip dysplasia)
- Preventive and routine care
- Alternative therapies and holistic treatments
- Veterinary exam fees
Lemonade offers the following add-on coverage options:
- Veterinarian visit fees
- Physical therapy
- Toothache
- Behavioral conditions
- End of life and memory
In addition, Lemonade sells two types of wellness plans, which help cover the cost of preventive care. The basic wellness plan costs about $17 per month for dogs and $11 for cats, while the advanced plan costs $27 for dogs and $18 for cats.
Learn more in our full Lemonade Pet Insurance review.
