How to Cancel Lemonade Pet Insurance in 2026 — Before You Lose Coverage

Last updated: February 2026 • Difficulty: Easy

⚠️ Critical warning: Canceling pet insurance creates a permanent problem. Any condition your pet was treated for becomes a "pre-existing condition" with a new insurer. If your dog had knee surgery under Lemonade and you cancel, no new policy will cover knee issues. Think carefully before canceling — switching is safer than dropping.

Before You Cancel: The Pre-Existing Condition Trap

Any diagnosed condition becomes pre-existing: Allergies, joint issues, dental disease, digestive problems — all excluded by new insurers
Waiting periods restart: New policies have 14-day illness and 6-month orthopedic waiting periods
Age increases premiums: Your pet is older now — new policy will cost more
Some breeds become uninsurable: Older dogs of certain breeds may be declined entirely
Consider switching instead: If you're unhappy with Lemonade, get a new policy BEFORE canceling the old one

How to Cancel Lemonade Pet Insurance

Open the Lemonade app
Go to your pet's policy → Policy Details
Tap Cancel Policy
Or chat with the AI assistant (Maya) and say "I want to cancel my pet insurance"
Or email help@lemonade.com with your policy number
Cancellation is immediate or end-of-billing-period depending on timing

💡 Refund policy: If you cancel within 30 days of purchase and haven't filed a claim, you typically get a full refund. After 30 days, you may get a prorated refund for unused time on annual plans.

Lemonade Pet Insurance Pricing

Basic accident + illness: $15-50/month depending on breed, age, location
With wellness add-on: Additional $20-30/month for routine care
Average annual cost: $300-600/year for a healthy young dog
Price increases: Premiums increase annually as your pet ages — expect 10-20% yearly increases

When Canceling Makes Sense

Your pet is very young and healthy: You can switch to a better-rated insurer with no pre-existing conditions
You can self-insure: Put $100/month into a dedicated savings account instead (only works if you have financial discipline)
Your pet is elderly: Premiums may exceed expected claims — do the math on remaining life expectancy
Lemonade denied your claims: If they're routinely denying valid claims, switching makes sense

Better Alternatives (If Switching)

Trupanion: No payout limits, 90% reimbursement, direct vet payment — premium but comprehensive
Healthy Paws: Consistently top-rated, no caps on payouts, fast claim processing
Embrace: Good for wellness coverage, diminishing deductible feature
Fetch (formerly Petplan): Covers exam fees, dental illness — broader coverage
Self-insurance fund: $100/month into a HYSA = $1,200/year earning 5% interest

The Math: Insurance vs Self-Insurance

Lemonade at $35/month for 10 years = $4,200 in premiums. Average lifetime vet costs for a dog: $15,000-20,000. A single ACL surgery: $3,000-5,000. If your pet needs one major procedure, insurance pays for itself. If they stay healthy, you paid $4,200 for peace of mind. The self-insurance approach ($100/month) builds $14,000+ over 10 years with interest — but only works if you don't raid the fund.

🔍 Find All Your Insurance + Pet Subscriptions

Pet insurance is one of many recurring charges. Upload your bank statement to JustCancel and we'll find every subscription hiding on your statement.

Scan Your Statement — $5 One-Time

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Quick Cancel Guide: Lemonade Pet Insurance

Direct cancel link + step-by-step instructions