Lemonade Pet Insurance California Review
Lemonade is underwritten in California by Lemonade Insurance Company. At filed rates the French Bulldog costs $75 a month at age 2 and $330 at age 12; the 15-year total is $32,610.[1] The last approved increase was +14.0%, against +16.6% requested, effective 24 Nov 2024.[1]
Coverage
An unlimited annual limit is available (filing 23-3248). The upper enrollment age depends on breed group: younger than 6 years for group A up to younger than 14 for groups I to L; the French Bulldog is in group E, younger than 10. Prescription medication (x1.20) is part of the base premium; vet visit fees (+20%) and physical therapy (+6.5%) are optional factors; dental illness, behavioral conditions and end-of-life care are optional fixed premiums. Monthly installment fee $2.00. Rates are from the May 2024 manual in filing 23-3248, effective 24 November 2024; the CDI list shows no later California rate filing as of 13 October 2026. No waiting periods or coverage score: we have not read a California policy form.
Scores in California [sort by any column · click a brand for the breakdown]
| 1 | 10.0 | 3.3 | 7.9 | 7.5 | 10.0 | n/d | 7.6 | $32,610 | n/d | |
No tenure factor and no claims-based factor; age re-rated +1 at renewal and flat from 12 for breed group E; $2.00 per monthly installment; discounts stack up to 20%; multi-pet 5% (filing 23-3248) | ||||||||||
F (customer treatment) has no data yet for California, so its weight changes nothing until that data is in. Coverage is scored separately and never counted in the total.
Why these scores
- D. Rate increases 7.5
- Filing 23-3248 raised California rates 14.0% overall (accident and illness +18.38%) from 24 November 2024 against an indicated 16.6%, with individual changes from -17.2% to +78.7%.
- E. Price structure 10.0
- Filing 23-3248 has no tenure factor and no claims-based discount or surcharge; discounts are capped at 20%, multi-pet is 5% and the monthly installment fee is $2.00.
- F. Customer treatment no data
- No regulator penalty or mass non-renewal was found; in filing 23-3248 Lemonade disclosed that it had charged and then refunded an unfiled $1.00 monthly installment fee, which the regulator handled through objections, not a penalty.
Price by age
From filing 23-3248, effective 24 Nov 2024, priced at the unlimited limit. 15-year total $32,610 at today's filed rates.[1]
All numbers: Lemonade, monthly premium by age
| Age | $/month | $/year |
|---|---|---|
| 0 | $86 | $1,031 |
| 1 | $77 | $925 |
| 2 | $75 | $898 |
| 3 | $75 | $901 |
| 4 | $85 | $1,015 |
| 5 | $102 | $1,218 |
| 6 | $120 | $1,440 |
| 7 | $148 | $1,779 |
| 8 | $179 | $2,146 |
| 9 | $217 | $2,601 |
| 10 | $258 | $3,100 |
| 11 | $306 | $3,669 |
| 12 | $330 | $3,962 |
| 13 | $330 | $3,962 |
| 14 | $330 | $3,962 |
| Total over 15 years | $32,610 | |
Compared with other brands in California
Monthly premium for the French Bulldog in California at filed rates, before any future increases. Drag the slider to see what you pay at each birthday.
Filed rates: ASPCA, Pumpkin, Spot 25-613 · Embrace 26-812 · Fetch 25-2417 · Lemonade 23-3248 · MetLife 25-2234 · Trupanion 25-2461. Dashed: proposed, filed but not yet approved (Embrace, effective 1 Feb 2027). No rate pages read yet: Figo, Healthy Paws, Nationwide.
All numbers: monthly premium by age, French Bulldog, none (filed rates)
| Age | ASPCA | Embrace | Fetch | Lemonade | MetLife | Pumpkin | Spot | Trupanion |
|---|---|---|---|---|---|---|---|---|
| 0 | $122 | $195 | $126 | $86 | $273 | $122 | $122 | $196 |
| 1 | $122 | $137 | $128 | $77 | $248 | $122 | $122 | $196 |
| 2 | $122 | $158 | $145 | $75 | $248 | $122 | $122 | $196 |
| 3 | $122 | $181 | $164 | $75 | $248 | $122 | $122 | $196 |
| 4 | $127 | $209 | $196 | $85 | $251 | $127 | $127 | $196 |
| 5 | $157 | $240 | $233 | $102 | $315 | $157 | $157 | $196 |
| 6 | $181 | $276 | $277 | $120 | $379 | $181 | $181 | $196 |
| 7 | $213 | $317 | $327 | $148 | $472 | $213 | $213 | $196 |
| 8 | $268 | $364 | $386 | $179 | $584 | $268 | $268 | $196 |
| 9 | $305 | $418 | $455 | $217 | $667 | $305 | $305 | $196 |
| 10 | $364 | $482 | $535 | $258 | $774 | $364 | $364 | $196 |
| 11 | $417 | $554 | $627 | $306 | $897 | $417 | $417 | $196 |
| 12 | $481 | $637 | $734 | $330 | $1,039 | $481 | $481 | $196 |
| 13 | $481 | $732 | $857 | $330 | $1,091 | $481 | $481 | $196 |
| 14 | $529 | $842 | $998 | $330 | $1,143 | $529 | $529 | $196 |
Rate filings
Lemonade's own figures where one filing sets different increases for different brands; the California page lists each filing's headline figures.
| Filing | Effective | Status | Requested | Approved | Indicated | Loss ratio | Permissible LR | Source |
|---|---|---|---|---|---|---|---|---|
| 23-3248 | 24 Nov 2024 | approved | +16.6% | +14.0% | +16.6% | 71% actual (2023) | 64% | source [1] |
Notes on these filings (1)
References
- 1.↑California Department of Insurance, WARFF. Lemonade Insurance Company, Pet Insurance, rate filing 23-3248. Effective 24 Nov 2024. Requested +16.6%, approved +14.0%, indicated +16.6%. source
- 2.↑Pet Insurance Wiki, Rating methodology, version 1. methodology
History
- Corrected the Florida trend: the 12% a year is the net trend, claim costs growing faster than premium, not total cost growth
- Corrected from the filing texts: the approved Florida manual rates an unlimited limit (the online quote offered at most $100,000); the Florida age increase applies from age 9 and only at renewal; age ceilings by breed group; sources for the cured-condition rule and the California loss figures; added BBB and Trustpilot ratings checked on 13 October 2026
- Full review: added California filing 23-3248, the Florida rate history from filing 26-034247 and the pending Metromile form filing 26-042253
- Draft page from filing Lemonade 26-034247