Lemonade Pet Insurance

Lemonade Pet Insurance will not pay for costs associated with or resulting from the following: Pre-Existing Conditions

• Conditions for which clinical signs or symptoms were present before the original start date, or during any waiting period

• Conditions directly related to or caused by a pre-existing condition

• Congenital conditions, hereditary conditions, and bilateral conditions for which clinical signs or symptoms were present prior to the original start date, or before the end of any waiting period

Conditions Not Covered

• Dental illnesses

• Behavioral conditions

• Breeding or pregnancy

• Complications caused by conditions not covered by the policy

• Commercial guarding, herding, law enforcement, search, rescue, or participating in an organized competitive sports activity

• Conditions relating to riots, terrorism, war, or nuclear or biological disaster

• Preventable conditions, if you fail to follow vet recommendations, vaccine schedule, and other preventative medications

Treatments Not Covered

• Physical therapy, unless covered by optional add-on

• Any treatment or service not related to an accident or illness, including elective or cosmetic procedures, microchipping, and genetic testing

• Grooming, even when performed by a vet

• Spay/Neuter, unless covered by optional add-on for puppy and kitten preventative care or recommended by a vet as a treatment for an eligible accident or illness

• Preventative care

• Euthanasia if not recommended by a vet

• Cremation, funeral, burial, taxidermy, or necropsy

• Alternative, holistic, and experimental treatments

• Any treatment not recommended by a vet for your pet

• General or obedience training, and any training equipment

• The following dental care items and treatment: toothbrushes, toothpaste, dental food, or chews

• Treatment for supernumerary teeth, absent teeth, deciduous teeth, or malocclusion, unless covered by optional add-on

Other Exclusions

• Cost of visit fees, house call fees, or administrative charges

• Cost of taxes, medical waste, or biohazard disposal

• Cost of membership or subscription fees for third-party plans, products, or services

• Cost of food, even if prescribed by a vet to treat a condition

• Routine cost of care including treats, routine supplements, or vitamins

• Pet supplies, including but not limited to bedding, crates, kennels, cages, ramps, feeding bowls, pill guns, toys, clothing, leashes, collars, or muzzles

• Expenses related to boarding, transport, or housing

• Pet cloning