What the plan covers
Accidents, illnesses, hereditary conditions, cancer treatment, surgery, diagnostics, prescription medication, dental disease, behavioral therapy and holistic treatments such as acupuncture. Exam fees for covered sick visits are included rather than sold as an add-on.
Waiting periods to watch
Accident and illness coverage begins after a short waiting period, but certain orthopedic and knee conditions can carry a longer wait depending on your state. Read the schedule for your ZIP code before you assume a limp will be covered in month two.
Pricing and value
Quotes typically begin near $25 per month and land in the middle of the field for an adult dog. Because exam fees and dental disease are included, the effective value is often better than a cheaper policy that charges for both.
Who should skip it
If you want the lowest possible premium and are comfortable with a narrower policy, Lemonade will usually quote lower.